UMB FINANCIAL CORP (UMBF) FY2025 10-K Annual Report
UMB FINANCIAL CORP (UMBF) 10-K annual report for fiscal year 2025, filed with SEC EDGAR on Feb 26, 2026. This page provides AI-powered analysis including business overview, management discussion & analysis (MD&A), risk factors, and key financial data such as revenue, net income, gross margin, operating margin, and return on equity (ROE) extracted from XBRL.
UMB FINANCIAL CORP FY2025 10-K Analysis
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
UMB FINANCIAL CORP FY2025 Key Financial MetricsXBRL
Revenue
$3.4B
▲ +54.5% YoY
Net Income
$702M
▲ +59.2% YoY
Net Margin
20.9%
▲ +62bp YoY
ROE
9.1%
▼ -360bp YoY
Total Assets
$73.1B
▲ +45.0% YoY
EPS (Diluted)
$9.29
▲ +3.3% YoY
Operating Cash Flow
$1.0B
▲ +355.7% YoY
Source: XBRL data from UMB FINANCIAL CORP FY2025 10-K filing on SEC EDGAR. All figures in USD.
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