UMB FINANCIAL CORPUMBF

Market cap

$8.3B

P/E ratio

	Dec 31, 2010	Dec 31, 2011	Dec 31, 2012	Dec 31, 2013	Dec 31, 2014	Dec 31, 2015	Dec 31, 2016	Dec 31, 2017	Dec 31, 2018	Dec 31, 2019	Dec 31, 2020	Dec 31, 2021	Dec 31, 2022	Dec 31, 2023	Dec 31, 2024
Loans	222	-	217	230	245	308	386	461	559	638	586	619	810	1,400	1,613
Taxable interest	90	-	-	75	76	75	74	73	83	106	106	128	192	215	258
Tax-exempt interest	28	-	-	37	39	44	58	73	74	90	100	98	97	102	99
Total securities income	120	-	119	116	115	119	131	147	158	196	206	226	289	317	357
Federal funds and resell agreements	0	-	0	0	0	1	3	4	5	14	12	10	19	18	18
Interest-bearing due from banks	4	-	2	2	3	2	2	4	8	13	4	5	19	103	182
Trading securities	-	-	-	-	-	-	-	-	-	2	1	1	1	1	1
Total interest income	347	-	340	348	364	431	523	617	732	863	808	862	1,138	1,839	2,171
Deposits	33	-	17	13	12	14	18	36	92	154	58	26	168	704	982
Federal funds and repurchase agreements	2	-	2	2	2	2	7	18	25	33	12	7	41	93	107
Other	-	-	-	-	-	-3	-3	-4	-5	-5	-7	-13	-15	-121	-81
Total interest expense	-	-	-	-	-	-	-	-	-	-	-	-	-	-	1,170
Net interest income	311	-	320	333	350	412	495	559	610	671	731	816	914	920	1,001
Provision for credit losses	-	-	-	-	-	-	-	-	-	-	131	20	38	41	61
Net interest income after provision for credit losses	279	-	303	316	333	397	463	518	540	638	601	796	876	879	940
Trust and securities processing	-	-	-	-	-	-	-	-	-	-	195	224	237	257	291
Trading and investment banking	29	-	30	21	19	20	21	23	16	23	33	31	23	20	24
Service charges on deposit accounts	-	-	-	-	-	-	-	-	-	-	84	86	85	85	85
Insurance fees and commissions	6	-	4	4	3	3	4	2	-	-	1	1	1	1	1
Brokerage fees	-	-	-	-	-	-	-	-	-	-	24	12	43	54	62
Bankcard fees	-	-	-	-	-	-	-	-	-	-	61	65	73	75	88
Gain (Loss) on Investments	-	-	-	-	-	-	-	-	1	-	-	5	58	-3	11
Other	18	-	28	16	17	16	26	35	33	41	42	43	32	53	67
Total noninterest income	360	-	458	492	499	466	476	424	402	427	560	467	554	542	628
Labor and Related Expense	267	-	320	340	359	406	433	414	419	461	495	504	524	553	594
Occupancy, net	36	-	38	39	40	44	45	44	45	48	47	47	49	49	48
Equipment	45	-	43	49	54	64	67	72	75	79	86	78	74	69	63
Supplies Expense	19	-	21	20	20	19	19	17	16	19	16	15	14	17	15
Marketing and Advertising Expense	18	-	25	23	24	24	22	21	24	26	15	19	26	26	28
Processing fees	46	-	51	58	56	51	45	42	47	52	54	68	82	103	118
Legal Fees	14	-	18	19	20	26	21	23	30	32	30	32	39	30	46
Bankcard	17	-	18	18	20	20	21	19	18	18	19	19	26	33	44
Amortization of Intangible Assets	11	-	15	13	12	12	12	7	6	6	7	5	5	9	8
Regulatory fees	13	-	9	9	10	12	14	16	13	11	10	12	15	77	32
Other	26	-	32	36	31	25	32	28	25	27	43	34	43	34	31
Total noninterest expense	513	-	590	624	667	704	732	705	718	779	822	834	898	999	1,027
Income before income taxes	-	-	-	-	-	159	207	236	224	286	339	429	532	422	541
Income tax expense	36	-	48	49	44	43	48	53	27	42	52	76	100	72	100
NET INCOME	91	-	123	134	121	116	159	247	196	244	287	353	432	350	441
Net income – basic	2.27	-	3.07	3.25	2.69	2.46	3.25	5.02	3.97	4.99	5.95	7.31	8.93	7.22	9.05
Net income – diluted	2.26	-	3.04	3.2	2.65	2.44	3.22	4.96	3.93	4.96	5.93	7.24	8.86	7.18	8.99
Dividends	0.75	0.79	0.83	0.87	0.91	0.95	0.99	1.04	1.17	1.21	1.25	1.38	1.49	1.53	1.57