UMBF UMB FINANCIAL CORP
FY2025 10-K
UMB FINANCIAL CORP (UMBF) filed its fiscal year 2025 10-K annual report with the SEC on Feb 26, 2026. This page provides AI-powered analysis of the filing, including business overview, management discussion, risk factors, and key financial metrics from XBRL data.
AI Filing AnalysisFY2025 10-K
Business Overview
- • Core business focused on financial services including investment management, asset servicing, commercial lending
- • Emphasis on talent retention and challenges amid intensified competition and scrutiny of compensation practices
Management Discussion & Analysis
- • Revenue $2.65B in 2025, up 62.8% YoY driven by HTLF acquisition adding $16.1B assets and $9.7B loans
- • Net interest income $1.9B, up 86.1% YoY; net interest margin 3.10% vs 2.51% in 2024, net interest spread +84 bps
Risk Factors
- • No specific or timely regulatory or legal risks detailed in text
- • Macroeconomic risk from interest rate volatility impacting net interest margin amid changing Federal Reserve policies
Financial SummaryXBRL
Revenue
$3.4B
Net Income
$702M
Net Margin
20.9%
ROE
9.1%
Total Assets
$73.1B
EPS (Diluted)
$9.29
Operating Cash Flow
$1.0B
Source: XBRL data from UMB FINANCIAL CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
Get deeper insights on UMB FINANCIAL CORP
Access full AI analysis, insider trading data, fund holdings, and cross-signal detection on SignalX.