UMB Financial Corporation
UMB Financial Corporation operates as the bank holding company that provides banking services and asset servicing in the United States and internationally. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, mezzanine debt… Read more
UMB Financial Corporation (UMBF) - Net Assets
Latest net assets as of December 2025: $7.69 Billion USD
Based on the latest financial reports, UMB Financial Corporation (UMBF) has net assets worth $7.69 Billion USD as of December 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($73.09 Billion) and total liabilities ($65.40 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $7.69 Billion |
| % of Total Assets | 10.53% |
| Annual Growth Rate | 9.27% |
| 5-Year Change | -81.86% |
| 10-Year Change | 292.05% |
| Growth Volatility | 179.38 |
UMB Financial Corporation - Net Assets Trend (1989–2025)
This chart illustrates how UMB Financial Corporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for UMB Financial Corporation (1989–2025)
The table below shows the annual net assets of UMB Financial Corporation from 1989 to 2025.
| Year | Net Assets | Change |
|---|---|---|
| 2025-12-31 | $7.69 Billion | +121.94% |
| 2024-12-31 | $3.47 Billion | +11.81% |
| 2023-12-31 | $3.10 Billion | -91.87% |
| 2022-12-31 | $38.13 Billion | -10.11% |
| 2021-12-31 | $42.42 Billion | +29.11% |
| 2020-12-31 | $32.86 Billion | +24.16% |
| 2019-12-31 | $26.46 Billion | +1087.54% |
| 2018-12-31 | $2.23 Billion | +2.15% |
| 2017-12-31 | $2.18 Billion | +11.17% |
| 2016-12-31 | $1.96 Billion | +3.63% |
| 2015-12-31 | $1.89 Billion | +15.21% |
| 2014-12-31 | $1.64 Billion | +9.14% |
| 2013-12-31 | $1.51 Billion | +17.72% |
| 2012-12-31 | $1.28 Billion | +7.41% |
| 2011-12-31 | $1.19 Billion | +12.28% |
| 2010-12-31 | $1.06 Billion | +4.46% |
| 2009-12-31 | $1.02 Billion | +4.18% |
| 2008-12-31 | $974.81 Million | +9.46% |
| 2007-12-31 | $890.57 Million | +4.91% |
| 2006-12-31 | $848.88 Million | +1.85% |
| 2005-12-31 | $833.46 Million | +1.74% |
| 2004-12-31 | $819.18 Million | +0.89% |
| 2003-12-31 | $811.92 Million | +1.14% |
| 2002-12-31 | $802.80 Million | +4.45% |
| 2001-12-31 | $768.58 Million | +9.34% |
| 2000-12-31 | $702.93 Million | +7.32% |
| 1999-12-31 | $654.99 Million | -1.18% |
| 1998-12-31 | $662.80 Million | +6.18% |
| 1997-12-31 | $624.20 Million | +7.16% |
| 1996-12-31 | $582.50 Million | -6.43% |
| 1995-12-31 | $622.50 Million | +11.70% |
| 1994-12-31 | $557.30 Million | -4.99% |
| 1993-12-31 | $586.60 Million | +46.76% |
| 1992-12-31 | $399.70 Million | +7.24% |
| 1991-12-31 | $372.70 Million | +8.63% |
| 1990-12-31 | $343.10 Million | +8.58% |
| 1989-12-31 | $316.00 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to UMB Financial Corporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 2584.2% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2025)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $3.74 Billion | 48.57% |
| Common Stock | $78.67 Million | 1.02% |
| Other Comprehensive Income | $-261.52 Million | -3.40% |
| Other Components | $4.14 Billion | 53.81% |
| Total Equity | $7.69 Billion | 100.00% |
UMB Financial Corporation Competitors by Market Cap
The table below lists competitors of UMB Financial Corporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Samsung Biologics Co Ltd
KO:207940
|
$8.08 Billion |
|
NWOEF
PINK:NWOEF
|
$8.08 Billion |
|
Shandong Hualu Hengsheng Chemical Co Ltd
SHG:600426
|
$8.09 Billion |
|
Cullen/Frost Bankers Inc
NYSE:CFR
|
$8.09 Billion |
|
Sanrio Company Ltd
PINK:SNROF
|
$8.07 Billion |
|
National Fuel Gas Company
NYSE:NFG
|
$8.07 Billion |
|
AltaGas Ltd
PINK:ATGFF
|
$8.06 Billion |
|
BizLink Holding Inc
TW:3665
|
$8.04 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in UMB Financial Corporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2024 to 2025, total equity changed from 3,466,541,000 to 7,693,568,000, a change of 4,227,027,000 (121.9%).
- Net income of 702,398,000 contributed positively to equity growth.
- Other comprehensive income increased equity by 311,530,000.
- Other factors increased equity by 3,213,099,000.
Equity Change Factors (2024 to 2025)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $702.40 Million | +9.13% |
| Other Comprehensive Income | $311.53 Million | +4.05% |
| Other Changes | $3.21 Billion | +41.76% |
| Total Change | $- | 121.94% |
Book Value vs Market Value Analysis
This analysis compares UMB Financial Corporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.10x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 14.90x to 1.10x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1989-12-31 | $7.43 | $110.71 | x |
| 1990-12-31 | $8.07 | $110.71 | x |
| 1991-12-31 | $8.75 | $110.71 | x |
| 1992-12-31 | $9.40 | $110.71 | x |
| 1993-12-31 | $10.78 | $110.71 | x |
| 1994-12-31 | $10.36 | $110.71 | x |
| 1995-12-31 | $11.62 | $110.71 | x |
| 1996-12-31 | $11.96 | $110.71 | x |
| 1997-12-31 | $13.02 | $110.71 | x |
| 1998-12-31 | $13.97 | $110.71 | x |
| 1999-12-31 | $14.33 | $110.71 | x |
| 2000-12-31 | $14.99 | $110.71 | x |
| 2001-12-31 | $17.35 | $110.71 | x |
| 2002-12-31 | $18.11 | $110.71 | x |
| 2003-12-31 | $18.62 | $110.71 | x |
| 2004-12-31 | $18.84 | $110.71 | x |
| 2005-12-31 | $19.27 | $110.71 | x |
| 2006-12-31 | $19.93 | $110.71 | x |
| 2007-12-31 | $21.24 | $110.71 | x |
| 2008-12-31 | $23.66 | $110.71 | x |
| 2009-12-31 | $24.97 | $110.71 | x |
| 2010-12-31 | $26.35 | $110.71 | x |
| 2011-12-31 | $29.53 | $110.71 | x |
| 2012-12-31 | $31.96 | $110.71 | x |
| 2013-12-31 | $36.49 | $110.71 | x |
| 2014-12-31 | $36.10 | $110.71 | x |
| 2015-12-31 | $39.80 | $110.71 | x |
| 2016-12-31 | $39.82 | $110.71 | x |
| 2017-12-31 | $43.77 | $110.71 | x |
| 2018-12-31 | $44.77 | $110.71 | x |
| 2019-12-31 | $53.10 | $110.71 | x |
| 2020-12-31 | $62.41 | $110.71 | x |
| 2021-12-31 | $64.54 | $110.71 | x |
| 2022-12-31 | $54.71 | $110.71 | x |
| 2023-12-31 | $63.58 | $110.71 | x |
| 2024-12-31 | $70.66 | $110.71 | x |
| 2025-12-31 | $100.60 | $110.71 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently UMB Financial Corporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 9.13%
- The company has moderate efficiency in generating returns from equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.81%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 9.50x
- Recent ROE (9.13%) is below the historical average (9.22%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1989 | 12.69% | 10.42% | 0.10x | 12.78x | $8.50 Million |
| 1990 | 10.84% | 9.13% | 0.10x | 12.45x | $2.89 Million |
| 1991 | 10.60% | 9.95% | 0.08x | 12.59x | $2.23 Million |
| 1992 | 9.86% | 10.74% | 0.07x | 12.52x | $-570.00K |
| 1993 | 7.01% | 9.90% | 0.06x | 11.13x | $-17.56 Million |
| 1994 | 8.58% | 10.24% | 0.07x | 11.84x | $-7.93 Million |
| 1995 | 8.39% | 11.01% | 0.08x | 10.09x | $-10.05 Million |
| 1996 | 9.87% | 11.49% | 0.08x | 11.18x | $-750.00K |
| 1997 | 9.88% | 11.58% | 0.08x | 11.30x | $-720.00K |
| 1998 | 8.18% | 9.45% | 0.08x | 11.54x | $-12.08 Million |
| 1999 | 9.78% | 10.83% | 0.07x | 12.41x | $-1.42 Million |
| 2000 | 9.26% | 10.38% | 0.08x | 11.19x | $-5.18 Million |
| 2001 | 8.49% | 10.72% | 0.07x | 11.36x | $-11.63 Million |
| 2002 | 7.12% | 10.86% | 0.07x | 10.01x | $-23.11 Million |
| 2003 | 7.25% | 12.21% | 0.06x | 9.54x | $-22.31 Million |
| 2004 | 5.23% | 9.57% | 0.06x | 9.53x | $-39.08 Million |
| 2005 | 6.76% | 10.75% | 0.06x | 9.90x | $-27.03 Million |
| 2006 | 7.04% | 9.58% | 0.07x | 10.51x | $-25.12 Million |
| 2007 | 8.33% | 10.55% | 0.08x | 10.49x | $-14.84 Million |
| 2008 | 10.06% | 14.00% | 0.06x | 11.26x | $593.90K |
| 2009 | 8.81% | 13.43% | 0.06x | 11.48x | $-12.07 Million |
| 2010 | 8.58% | 14.12% | 0.05x | 11.69x | $-15.08 Million |
| 2011 | 8.94% | 15.38% | 0.05x | 11.37x | $-12.64 Million |
| 2012 | 9.59% | 16.85% | 0.05x | 11.67x | $-5.22 Million |
| 2013 | 8.90% | 16.59% | 0.05x | 11.23x | $-16.64 Million |
| 2014 | 7.34% | 15.33% | 0.04x | 10.65x | $-43.72 Million |
| 2015 | 6.13% | 15.58% | 0.04x | 10.08x | $-73.30 Million |
| 2016 | 8.09% | 18.28% | 0.04x | 10.54x | $-37.44 Million |
| 2017 | 11.33% | 25.25% | 0.04x | 9.98x | $28.95 Million |
| 2018 | 8.77% | 18.29% | 0.05x | 10.48x | $-27.33 Million |
| 2019 | 9.35% | 19.97% | 0.05x | 10.19x | $-17.04 Million |
| 2020 | 9.50% | 22.12% | 0.04x | 10.98x | $-15.19 Million |
| 2021 | 11.22% | 28.42% | 0.03x | 13.57x | $38.48 Million |
| 2022 | 16.19% | 27.27% | 0.04x | 14.44x | $164.97 Million |
| 2023 | 11.29% | 15.59% | 0.05x | 14.20x | $39.98 Million |
| 2024 | 12.73% | 16.73% | 0.05x | 14.54x | $94.59 Million |
| 2025 | 9.13% | 15.81% | 0.06x | 9.50x | $-66.96 Million |
Industry Comparison
This section compares UMB Financial Corporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $25,670,820,700
- Average return on equity (ROE) among peers: 9.44%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| UMB Financial Corporation (UMBF) | $7.69 Billion | 12.69% | 8.50x | $8.07 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $4.91 Billion |
| ACNB Corporation (ACNB) | $2.75 Billion | 1.01% | 0.01x | $462.57 Million |
| Addiko Bank AG (ADBKF) | $839.50 Million | 5.41% | 6.63x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $120.97 Million | 6.26% | 5.51x | $79.94 Million |
| Absa Group Limited (AGRPF) | $19.52 Billion | 23.08% | 14.72x | $6.72 Billion |
| AIB Group plc (AIBGY) | $14.46 Billion | -16.17% | 8.45x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $211.22 Billion | 31.48% | 8.02x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $7.32 Billion | 8.44% | 8.89x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $9.19 Million | 7.09% | 8.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |