UMB Financial (UMBF)
Combines commercial and personal banking with fund servicing, custody, trust, and healthcare payments.
$134.18
vs last close−0.03 (−0.02%)
In millions of USD, except per-share figures
| In millions | Q3 FY23Sep 2023 | Q4 FY23Dec 2023 | Q1 FY24Mar 2024 | Q2 FY24Jun 2024 | Q3 FY24Sep 2024 | Q4 FY24Dec 2024 | Q1 FY25Mar 2025 | Q2 FY25Jun 2025 | Q3 FY25Sep 2025 | Q4 FY25Dec 2025 | Q1 FY26Mar 2026 | Q2 FY26Jun 2026 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 570 | 601 | 641 | 642 | 674 | 680 | 851 | 1,017 | 1,491 | 1,085 | 867 | 1,117 |
| Cost of revenue | 255 | 266 | 291 | 307 | 328 | 305 | 426 | 405 | 831 | 364 | 333 | 367 |
| Gross profit | 316 | 335 | 350 | 334 | 346 | 375 | 424 | 612 | 660 | 721 | 534 | 750 |
| 197 | 254 | 216 | 208 | 210 | 230 | 331 | 337 | 424 | 426 | 408 | 398 | |
| 140 | 141 | 149 | 149 | 154 | 170 | 229 | 225 | 446 | 244 | 357 | 260 | |
| Selling & marketing | 7 | 7 | 6 | 7 | 7 | 9 | 8 | 11 | 11 | 15 | 0 | 0 |
| General & administrative | 133 | 134 | 143 | 143 | 147 | 161 | 221 | 214 | 435 | 229 | 357 | 260 |
| Other expenses | 57 | 113 | 67 | 58 | 56 | 60 | 102 | 112 | −22 | 182 | 50 | 138 |
| Operating income | 119 | 81 | 134 | 127 | 136 | 145 | 93 | 275 | 237 | 295 | 126 | 350 |
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | −25 | 205 | 0 | |
| Interest income | 472 | 497 | 520 | 538 | 558 | 555 | 738 | 851 | 1,589 | 887 | 867 | 871 |
| Interest expense | 250 | 266 | 281 | 293 | 310 | 286 | 340 | 384 | 404 | 364 | 333 | 339 |
| Income before tax | 119 | 81 | 134 | 127 | 136 | 145 | 93 | 275 | 237 | 270 | 331 | 350 |
| Income tax expense | 23 | 10 | 24 | 26 | 26 | 25 | 12 | 58 | 48 | 55 | 70 | 73 |
| Net income from continuing operations | 97 | 71 | 110 | 101 | 110 | 120 | 81 | 217 | 188 | 215 | 261 | 278 |
| Net income | 97 | 71 | 110 | 101 | 110 | 120 | 81 | 217 | 188 | 215 | 261 | 278 |
| EPS, basic | $1.99 | $1.46 | $2.27 | $2.08 | $2.25 | $2.46 | $1.22 | $2.84 | $2.38 | $2.76 | $3.36 | $3.58 |
| EPS, diluted | $1.98 | $1.45 | $2.25 | $2.07 | $2.23 | $2.44 | $1.21 | $2.82 | $2.36 | $2.74 | $3.35 | $3.56 |
| Weighted average shares, basic | 49 | 49 | 49 | 49 | 49 | 49 | 65 | 76 | 75 | 76 | 76 | 76 |
| Weighted average shares, diluted | 49 | 49 | 49 | 49 | 49 | 49 | 65 | 76 | 75 | 76 | 76 | 76 |
| EBITDA | 134 | 95 | 148 | 140 | 149 | 158 | 122 | 313 | 304 | 321 | 150 | 386 |
| Depreciation & amortization | 15 | 14 | 14 | 13 | 13 | 13 | 29 | 38 | 67 | 25 | 23 | 35 |
| EBIT | 119 | 81 | 134 | 127 | 136 | 145 | 93 | 275 | 237 | 295 | 126 | 350 |