Income Statement Snapshot

UMB FINANCIAL CORP’s top-line, gross profit, pretax income, and bottom-line conversion. Values are shown in USD millions.

Revenue

FY2025

40.5% CAGR

$3.4B

CAGR 40.5% (FY2021 to FY2025)

Gross Profit

FY2025

180.7% CAGR

$1.7B

CAGR 180.7% (FY2021 to FY2025)

Pretax Income

FY2025

19.5% CAGR

$875M

CAGR 19.5% (FY2021 to FY2025)

Net Income

FY2025

18.8% CAGR

$702.4M

CAGR 18.8% (FY2021 to FY2025)

All values shown in USD millions unless noted otherwise.

Expanded Line Items

The full annual income statement layer for UMB FINANCIAL CORP.
Values are displayed in USD millions, except per-share and share-count rows.

Line Item	2025	2024	2023	2022	2021
Total Revenue	$3,354	$2,171	$1,839	$1,138	$862
Gross Profit	$1,731	$1,144	$840	$239	$28
Operating Expenses	$1,623	$1,027	$999	$898	$834
Pretax Income	$875	$541	$422	$532	$429
Interest Income	$3,354	$2,171	$1,839	$1,138	$862
Interest Expense	N/A	N/A	$919	$224	$46
Income Tax Expense (Benefit)	$173	$100	$72	$100	$76
Net Income	$702	$441	$350	$432	$353
Basic EPS	$9.35	$9.05	$7.22	$8.93	$7.31
Diluted EPS	$9.29	$8.99	$7.18	$8.86	$7.24
Basic Average Shares	73.3M	48.7M	48.5M	48.3M	48.3M
Diluted Average Shares	73.7M	49.1M	48.8M	48.7M	48.7M
Filing	10-K	10-K	10-K	10-K	10-K

Expanded annual statement lines sourced from SEC Edgar Database for UMB FINANCIAL CORP

Margins

Profitability Conversion

Track how much of revenue survives through gross profit,pretax income, and net income across the annual reporting window.

Gross Margin

FY2025

vs FY2021

51.6%

Change vs FY2021: +4838 bps

Pretax Margin

FY2025

vs FY2021

26.1%

Change vs FY2021: -2372 bps

Net Margin

FY2025

vs FY2021

20.9%

Change vs FY2021: -2004 bps

Observation Window

FY2021 to FY2025

5 years

5 Years

Profitability profile tracked across FY2021 through FY2025.

Margin Table

Side-by-side read of gross, operating, and net margin.

Margin Trends

Read the shape of profitability with either a discrete bar view or a cleaner line trajectory.

Margins are calculated from annual SEC facts using reported revenue as the denominator.

YoY Change

Annual Momentum

Compare the latest fiscal year against the immediately prior period across every headline income statement line.

Revenue YoY

FY2025 vs FY2024

YoY change

+54.5%

FY2025 versus FY2024

Gross Profit YoY

FY2025 vs FY2024

YoY change

+51.3%

FY2025 versus FY2024

Pretax Income YoY

FY2025 vs FY2024

YoY change

+61.6%

FY2025 versus FY2024

Net Income YoY

FY2025 vs FY2024

YoY change

+59.2%

FY2025 versus FY2024

YoY Table

Negative values are highlighted to make slowdowns obvious.

Metric	2025	2024	2023	2022	2021
Revenue Growth %	+54.5%	+18.1%	+61.6%	+32.0%	N/A
Gross Profit Growth %	+51.3%	+36.3%	+250.7%	+758.5%	N/A
Pretax Income Growth %	+61.6%	+28.4%	-20.8%	+24.0%	N/A
Net Income Growth %	+59.2%	+26.1%	-18.9%	+22.3%	N/A
Filing	10-K	10-K	10-K	10-K	10-K

Momentum Chart

The most direct way to see whether the business is accelerating or rolling over.

YoY change compares each annual period against the immediately prior year inside the selected window.

CAGR

Through-Cycle Growth

Compounded annual growth rate from FY2021 to FY2025, useful for filtering out one-year noise.

Revenue CAGR

FY2021 to FY2025

4-yr CAGR

40.5%

Compounded annual growth across FY2021 to FY2025.

Gross Profit CAGR

FY2021 to FY2025

4-yr CAGR

180.7%

Compounded annual growth across FY2021 to FY2025.

Pretax Income CAGR

FY2021 to FY2025

4-yr CAGR

19.5%

Compounded annual growth across FY2021 to FY2025.

Net Income CAGR

FY2021 to FY2025

4-yr CAGR

18.8%

Compounded annual growth across FY2021 to FY2025.

Doing some research...

Income Statement Snapshot

UMB FINANCIAL CORP’s top-line, gross profit, pretax income, and bottom-line conversion. Values are shown in USD millions.

Revenue

FY2025

40.5% CAGR

$3.4B

CAGR 40.5% (FY2021 to FY2025)

Gross Profit

FY2025

180.7% CAGR

$1.7B

CAGR 180.7% (FY2021 to FY2025)

Pretax Income

FY2025

19.5% CAGR

$875M

CAGR 19.5% (FY2021 to FY2025)

Net Income

FY2025

18.8% CAGR

$702.4M

CAGR 18.8% (FY2021 to FY2025)

All values shown in USD millions unless noted otherwise.

Expanded Line Items

The full annual income statement layer for UMB FINANCIAL CORP.
Values are displayed in USD millions, except per-share and share-count rows.

Line Item	2025	2024	2023	2022	2021
Total Revenue	$3,354	$2,171	$1,839	$1,138	$862
Gross Profit	$1,731	$1,144	$840	$239	$28
Operating Expenses	$1,623	$1,027	$999	$898	$834
Pretax Income	$875	$541	$422	$532	$429
Interest Income	$3,354	$2,171	$1,839	$1,138	$862
Interest Expense	N/A	N/A	$919	$224	$46
Income Tax Expense (Benefit)	$173	$100	$72	$100	$76
Net Income	$702	$441	$350	$432	$353
Basic EPS	$9.35	$9.05	$7.22	$8.93	$7.31
Diluted EPS	$9.29	$8.99	$7.18	$8.86	$7.24
Basic Average Shares	73.3M	48.7M	48.5M	48.3M	48.3M
Diluted Average Shares	73.7M	49.1M	48.8M	48.7M	48.7M
Filing	10-K	10-K	10-K	10-K	10-K

Expanded annual statement lines sourced from SEC Edgar Database for UMB FINANCIAL CORP

Margins

Profitability Conversion

Track how much of revenue survives through gross profit,pretax income, and net income across the annual reporting window.

Gross Margin

FY2025

vs FY2021

51.6%

Change vs FY2021: +4838 bps

Pretax Margin

FY2025

vs FY2021

26.1%

Change vs FY2021: -2372 bps

Net Margin

FY2025

vs FY2021

20.9%

Change vs FY2021: -2004 bps

Observation Window

FY2021 to FY2025

5 years

5 Years

Profitability profile tracked across FY2021 through FY2025.

Margin Table

Side-by-side read of gross, operating, and net margin.

Margin Trends

Read the shape of profitability with either a discrete bar view or a cleaner line trajectory.

Margins are calculated from annual SEC facts using reported revenue as the denominator.

YoY Change

Annual Momentum

Compare the latest fiscal year against the immediately prior period across every headline income statement line.

Revenue YoY

FY2025 vs FY2024

YoY change

+54.5%

FY2025 versus FY2024

Gross Profit YoY

FY2025 vs FY2024

YoY change

+51.3%

FY2025 versus FY2024

Pretax Income YoY

FY2025 vs FY2024

YoY change

+61.6%

FY2025 versus FY2024

Net Income YoY

FY2025 vs FY2024

YoY change

+59.2%

FY2025 versus FY2024

YoY Table

Negative values are highlighted to make slowdowns obvious.

Metric	2025	2024	2023	2022	2021
Revenue Growth %	+54.5%	+18.1%	+61.6%	+32.0%	N/A
Gross Profit Growth %	+51.3%	+36.3%	+250.7%	+758.5%	N/A
Pretax Income Growth %	+61.6%	+28.4%	-20.8%	+24.0%	N/A
Net Income Growth %	+59.2%	+26.1%	-18.9%	+22.3%	N/A
Filing	10-K	10-K	10-K	10-K	10-K

Momentum Chart

The most direct way to see whether the business is accelerating or rolling over.

YoY change compares each annual period against the immediately prior year inside the selected window.

CAGR

Through-Cycle Growth

Compounded annual growth rate from FY2021 to FY2025, useful for filtering out one-year noise.

Revenue CAGR

FY2021 to FY2025

4-yr CAGR

40.5%

Compounded annual growth across FY2021 to FY2025.

Gross Profit CAGR

FY2021 to FY2025

4-yr CAGR

180.7%

Compounded annual growth across FY2021 to FY2025.

Pretax Income CAGR

FY2021 to FY2025

4-yr CAGR

19.5%

Compounded annual growth across FY2021 to FY2025.

Net Income CAGR

FY2021 to FY2025

4-yr CAGR

18.8%

Compounded annual growth across FY2021 to FY2025.

Doing some research...

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