UMB Historical Income Statement

UMBF Stock

USD 81.87 2.06 2.58%

Historical analysis of UMB Financial income statement accounts such as Interest Expense of 964.5 M, Other Operating Expenses of 2.1 B, Operating Income of 263.5 M or Ebit of 0.0 can show how well UMB Financial performed in making a profits. Evaluating UMB Financial income statement over time to spot trends is a great complementary tool to traditional technical analysis and can indicate the direction of UMB Financial's future profits or losses.

Cash Flow Balance Sheet Income Statement

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Financial Statement Analysis is much more than just reviewing and examining UMB Financial latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether UMB Financial is a good buy for the upcoming year.

Net Income Gross Profit

Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.

About UMB Income Statement Analysis

UMB Financial Income Statement consists of revenues and expenses along with the resulting net income or loss. It represents the profit for the accounting period attributable to UMB Financial shareholders. The income statement also shows UMB investors and management if the firm made money during the period reported. The result of an income statement is the net income that is calculated after subtracting the expenses from revenue. It is essential to investors both as an absolute measure as well as earnings per share (i.e., EPS).

UMB Financial Income Statement Chart

UMB Financial Income Statement is one of the three primary financial statements used for reporting UMB's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of UMB Financial revenue and expense. UMB Financial Income Statement primarily focuses on the company's revenues and expenses during a particular period.

At this time, UMB Financial's Total Operating Expenses is most likely to decrease significantly in the upcoming years. The UMB Financial's current Net Income is estimated to increase to about 367.5 M, while EBIT is projected to decrease to 0.00.

Operating Income Ebitda Net Income Selling General Administrative Selling And Marketing Expenses Net Interest Income

Operating Income

Operating Income is the amount of profit realized from UMB Financial operations after accounting for operating expenses such as cost of goods sold (COGS), wages and depreciation. Operating income takes the gross income and subtracts other operating expenses and then removes depreciation. Operating Income of UMB Financial is typically a synonym for earnings before interest and taxes (EBIT) and is also commonly referred to as operating profit or recurring profit. Earnings before interest and taxes (EBIT), representing the amount of profit a company generates from its operations.

Net Income

Net income is one of the most important fundamental items in finance. It plays a large role in UMB Financial financial statement analysis. It represents the amount of money remaining after all of UMB Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.

Net Interest Income

The difference between the revenue generated from a bank's interest-bearing assets and the expenses associated with paying its interest-bearing liabilities.

Most accounts from UMB Financial's income statement are interrelated and interconnected. However, analyzing income statement accounts one by one will only give a small insight into UMB Financial current financial condition. On the other hand, looking into the entire matrix of income statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in bureau of labor statistics.

For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.At this time, UMB Financial's Total Operating Expenses is most likely to decrease significantly in the upcoming years. The UMB Financial's current Net Income is estimated to increase to about 367.5 M, while EBIT is projected to decrease to 0.00.

	2021	2022	2023	2024 (projected)
Gross Profit	1.2B	221.9M	2.4B	2.5B
Total Revenue	1.2B	221.9M	2.4B	2.5B

Gross Profit Total Revenue

UMB Financial income statement Correlations

	Interest Expense	Other Operating Expenses	Operating Income	Ebit	Ebitda	Total Operating Expenses	Net Income	Income Tax Expense	Depreciation And Amortization	Selling General Administrative	Selling And Marketing Expenses	Total Revenue	Gross Profit	Income Before Tax	Total Other Income Expense Net	Cost Of Revenue	Net Income From Continuing Ops	Non Recurring	Non Operating Income Net Other	Discontinued Operations	Tax Provision	Net Interest Income	Interest Income	Extraordinary Items	Reconciled Depreciation
Interest Expense		0.87	0.31	-0.42	-0.43	0.43	0.61	0.42	0.07	0.13	0.17	0.87	0.87	0.61	0.68	0.4	0.44	0.2	-0.93	-0.38	0.45	0.63	0.78	-0.33	-0.12
Other Operating Expenses	0.87		0.11	-0.5	-0.5	0.5	0.3	0.17	0.19	-0.05	0.35	0.71	0.71	0.28	0.46	0.21	0.11	0.11	-0.81	-0.1	0.13	0.31	0.56	-0.06	0.13
Operating Income	0.31	0.11		0.68	0.68	-0.13	0.85	0.8	-0.69	0.75	0.44	0.15	0.15	0.84	0.12	0.39	0.88	0.54	-0.07	-0.25	0.86	0.82	0.7	-0.19	-0.6
Ebit	-0.42	-0.5	0.68		1.0	-0.49	0.4	0.44	-0.68	0.53	0.26	-0.5	-0.5	0.38	-0.38	0.15	0.49	0.35	0.53	-0.01	0.46	0.31	0.0	0.01	-0.56
Ebitda	-0.43	-0.5	0.68	1.0		-0.48	0.39	0.45	-0.67	0.54	0.27	-0.5	-0.5	0.38	-0.39	0.13	0.48	0.36	0.53	-0.01	0.45	0.3	-0.01	0.01	-0.55
Total Operating Expenses	0.43	0.5	-0.13	-0.49	-0.48		-0.15	0.05	0.72	-0.4	0.17	0.18	0.18	-0.08	-0.04	-0.38	-0.21	-0.25	-0.49	0.03	0.0	-0.18	0.09	0.0	0.05
Net Income	0.61	0.3	0.85	0.4	0.39	-0.15		0.82	-0.57	0.64	0.21	0.52	0.52	0.99	0.53	0.6	0.92	0.52	-0.46	-0.42	0.9	0.95	0.79	-0.34	-0.64
Income Tax Expense	0.42	0.17	0.8	0.44	0.45	0.05	0.82		-0.33	0.73	0.5	0.41	0.41	0.85	0.4	0.07	0.73	0.62	-0.33	-0.26	0.76	0.67	0.54	-0.22	-0.58
Depreciation And Amortization	0.07	0.19	-0.69	-0.68	-0.67	0.72	-0.57	-0.33		-0.7	-0.2	0.05	0.05	-0.52	-0.1	-0.62	-0.66	-0.55	-0.31	0.23	-0.5	-0.64	-0.46	0.17	0.35
Selling General Administrative	0.13	-0.05	0.75	0.53	0.54	-0.4	0.64	0.73	-0.7		0.56	0.27	0.27	0.63	0.3	0.14	0.67	0.77	0.1	-0.29	0.52	0.61	0.53	-0.25	-0.23
Selling And Marketing Expenses	0.17	0.35	0.44	0.26	0.27	0.17	0.21	0.5	-0.2	0.56		0.1	0.1	0.23	0.06	-0.26	0.17	0.59	0.0	-0.08	0.11	0.14	0.27	-0.07	-0.03
Total Revenue	0.87	0.71	0.15	-0.5	-0.5	0.18	0.52	0.41	0.05	0.27	0.1		1.0	0.51	0.83	0.27	0.32	0.33	-0.86	-0.32	0.27	0.51	0.64	-0.27	0.04
Gross Profit	0.87	0.71	0.15	-0.5	-0.5	0.18	0.52	0.41	0.05	0.27	0.1	1.0		0.51	0.83	0.27	0.32	0.33	-0.86	-0.32	0.27	0.51	0.64	-0.27	0.04
Income Before Tax	0.61	0.28	0.84	0.38	0.38	-0.08	0.99	0.85	-0.52	0.63	0.23	0.51	0.51		0.55	0.57	0.93	0.5	-0.47	-0.51	0.91	0.94	0.79	-0.44	-0.68
Total Other Income Expense Net	0.68	0.46	0.12	-0.38	-0.39	-0.04	0.53	0.4	-0.1	0.3	0.06	0.83	0.83	0.55		0.36	0.43	0.27	-0.65	-0.5	0.34	0.56	0.59	-0.45	-0.21
Cost Of Revenue	0.4	0.21	0.39	0.15	0.13	-0.38	0.6	0.07	-0.62	0.14	-0.26	0.27	0.27	0.57	0.36		0.59	0.17	-0.28	-0.49	0.52	0.74	0.59	-0.42	-0.37
Net Income From Continuing Ops	0.44	0.11	0.88	0.49	0.48	-0.21	0.92	0.73	-0.66	0.67	0.17	0.32	0.32	0.93	0.43	0.59		0.35	-0.22	-0.51	0.9	0.95	0.8	-0.45	-0.65
Non Recurring	0.2	0.11	0.54	0.35	0.36	-0.25	0.52	0.62	-0.55	0.77	0.59	0.33	0.33	0.5	0.27	0.17	0.35		-0.07	-0.17	0.34	0.43	0.38	-0.13	-0.14
Non Operating Income Net Other	-0.93	-0.81	-0.07	0.53	0.53	-0.49	-0.46	-0.33	-0.31	0.1	0.0	-0.86	-0.86	-0.47	-0.65	-0.28	-0.22	-0.07		0.28	-0.3	-0.42	-0.52	0.24	0.11
Discontinued Operations	-0.38	-0.1	-0.25	-0.01	-0.01	0.03	-0.42	-0.26	0.23	-0.29	-0.08	-0.32	-0.32	-0.51	-0.5	-0.49	-0.51	-0.17	0.28		-0.32	-0.54	-0.48	0.99	0.31
Tax Provision	0.45	0.13	0.86	0.46	0.45	0.0	0.9	0.76	-0.5	0.52	0.11	0.27	0.27	0.91	0.34	0.52	0.9	0.34	-0.3	-0.32		0.87	0.72	-0.27	-0.75
Net Interest Income	0.63	0.31	0.82	0.31	0.3	-0.18	0.95	0.67	-0.64	0.61	0.14	0.51	0.51	0.94	0.56	0.74	0.95	0.43	-0.42	-0.54	0.87		0.9	-0.47	-0.56
Interest Income	0.78	0.56	0.7	0.0	-0.01	0.09	0.79	0.54	-0.46	0.53	0.27	0.64	0.64	0.79	0.59	0.59	0.8	0.38	-0.52	-0.48	0.72	0.9		-0.41	-0.27
Extraordinary Items	-0.33	-0.06	-0.19	0.01	0.01	0.0	-0.34	-0.22	0.17	-0.25	-0.07	-0.27	-0.27	-0.44	-0.45	-0.42	-0.45	-0.13	0.24	0.99	-0.27	-0.47	-0.41		0.28
Reconciled Depreciation	-0.12	0.13	-0.6	-0.56	-0.55	0.05	-0.64	-0.58	0.35	-0.23	-0.03	0.04	0.04	-0.68	-0.21	-0.37	-0.65	-0.14	0.11	0.31	-0.75	-0.56	-0.27	0.28

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UMB Financial Account Relationship Matchups

UMB Financial income statement Accounts

	2019	2020	2021	2022	2023	2024 (projected)
Interest Expense	192.0M	77.3M	46.0M	223.7M	918.6M	964.5M
Other Operating Expenses	741.8M	(879.3M)	(766.9M)	25.7M	2.0B	2.1B
Operating Income	286.0M	338.9M	429.1M	750.7M	507.2M	263.5M
Ebit	391.7M	286.0M	338.9M	429.1M	750.7M	0.0
Ebitda	291.5M	345.4M	433.8M	755.7M	8.6M	8.2M
Total Operating Expenses	(741.8M)	(879.3M)	(766.9M)	25.7M	328.5M	344.9M
Net Income	243.6M	286.5M	353.0M	431.7M	350.0M	367.5M
Income Tax Expense	42.4M	52.4M	76.0M	100.3M	71.6M	75.2M
Depreciation And Amortization	5.5M	6.5M	4.8M	5.0M	8.6M	16.3M
Selling General Administrative	491.6M	521.3M	531.3M	524.4M	553.4M	301.6M
Selling And Marketing Expenses	26.3M	14.7M	18.5M	25.7M	25.7M	19.6M
Total Revenue	1.0B	1.2B	1.2B	221.9M	2.4B	2.5B
Gross Profit	1.0B	1.2B	1.2B	221.9M	2.4B	2.5B
Income Before Tax	286.0M	338.9M	429.1M	532.0M	421.6M	442.7M
Total Other Income Expense Net	286.0M	52.4M	429.1M	(218.7M)	421.6M	442.7M
Net Income Applicable To Common Shares	243.6M	286.5M	353.0M	431.7M	496.4M	521.3M
Net Income From Continuing Ops	243.6M	286.5M	353.0M	431.7M	350.0M	233.6M
Tax Provision	42.4M	52.4M	76.0M	100.3M	71.6M	61.5M
Net Interest Income	670.9M	731.2M	815.5M	913.8M	920.1M	749.0M
Interest Income	862.9M	808.5M	861.5M	1.1B	1.8B	954.8M
Reconciled Depreciation	56.3M	62.8M	4.8M	5.0M	58.7M	33.8M

UMB Financial Investors Sentiment

The influence of UMB Financial's investor sentiment on the probability of its price appreciation or decline could be a good factor in your decision-making process regarding taking a position in UMB. The overall investor sentiment generally increases the direction of a stock movement in a one-year investment horizon. However, the impact of investor sentiment on the entire stock market does not have solid backing from leading economists and market statisticians.

Investor biases related to UMB Financial's public news can be used to forecast risks associated with an investment in UMB. The trend in average sentiment can be used to explain how an investor holding UMB can time the market purely based on public headlines and social activities around UMB Financial. Please note that most equities that are difficult to arbitrage are affected by market sentiment the most.

UMB Financial's market sentiment shows the aggregated news analyzed to detect positive and negative mentions from the text and comments. The data is normalized to provide daily scores for UMB Financial's and other traded tickers. The bigger the bubble, the more accurate is the estimated score. Higher bars for a given day show more participation in the average UMB Financial's news discussions. The higher the estimated score, the more favorable is the investor's outlook on UMB Financial.

Some investors attempt to determine whether the market's mood is bullish or bearish by monitoring changes in market sentiment. Unlike more traditional methods such as technical analysis, investor sentiment usually refers to the aggregate attitude towards UMB Financial in the overall investment community. So, suppose investors can accurately measure the market's sentiment. In that case, they can use it for their benefit. For example, some tools to gauge market sentiment could be utilized using contrarian indexes, UMB Financial's short interest history, or implied volatility extrapolated from UMB Financial options trading.

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Analyzing currently trending equities could be an opportunity to develop a better portfolio based on different market momentums that they can trigger. Utilizing the top trending stocks is also useful when creating a market-neutral strategy or pair trading technique involving a short or a long position in a currently trending equity.

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When determining whether UMB Financial is a strong investment it is important to analyze UMB Financial's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact UMB Financial's future performance. For an informed investment choice regarding UMB Stock, refer to the following important reports:

How To Invest In UMB

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Is UMB Stock a good investment?

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What is UMB Financial's Net Worth?

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Largest Banks - Regional Companies

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For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.

Note that the UMB Financial information on this page should be used as a complementary analysis to other UMB Financial's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Earnings Calls module to check upcoming earnings announcements updated hourly across public exchanges.

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When running UMB Financial's price analysis, check to measure UMB Financial's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy UMB Financial is operating at the current time. Most of UMB Financial's value examination focuses on studying past and present price action to predict the probability of UMB Financial's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move UMB Financial's price. Additionally, you may evaluate how the addition of UMB Financial to your portfolios can decrease your overall portfolio volatility.

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Is UMB Financial's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UMB Financial. If investors know UMB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UMB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.

Quarterly Earnings Growth

0.184

Dividend Share

1.54

Earnings Share

7.53

Revenue Per Share

30.081

Quarterly Revenue Growth

0.115

The market value of UMB Financial is measured differently than its book value, which is the value of UMB that is recorded on the company's balance sheet. Investors also form their own opinion of UMB Financial's value that differs from its market value or its book value, called intrinsic value, which is UMB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UMB Financial's market value can be influenced by many factors that don't directly affect UMB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.

Please note, there is a significant difference between UMB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if UMB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UMB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.

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UMB Historical Income Statement

About UMB Income Statement Analysis

UMB Financial Income Statement Chart

Operating Income

Net Income

Net Interest Income

UMB Financial income statement Correlations

UMB Financial Account Relationship Matchups

High Positive Relationship

High Negative Relationship

UMB Financial income statement Accounts

UMB Financial Investors Sentiment

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COMMON DESTINATIONS

MAIN CATEGORIES

COMPANY

Ebitda	+ 1.0	Ebit
Gross Profit	+ 1.0	Total Revenue
Income Before Tax	+ 0.99	Net Income
Extraordinary Items	+ 0.99	Discontinued Operations
Net Interest Income	+ 0.95	Net Income
Net Interest Income	+ 0.95	Net Income From Continuing Ops

Non Operating Income Net Other	- 0.93	Interest Expense
Non Operating Income Net Other	- 0.86	Gross Profit
Non Operating Income Net Other	- 0.86	Total Revenue
Non Operating Income Net Other	- 0.81	Other Operating Expenses
Reconciled Depreciation	- 0.75	Tax Provision
Selling General Administrative	- 0.7	Depreciation And Amortization