UMB Financial Corporation (UMBF) - Net Assets
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. Check UMB Financial Corporation asset resilience ratio to evaluate the company's liquid asset resilience ratio.
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. Also explore UMBF total assets for the complete picture of this company's asset base.
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. For live valuation and market cap data, see UMBF market cap.
| 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 |
|---|---|
|
Spic Yuanda Environmental Protection Co Ltd
SHG:600292
|
$9.82 Billion |
|
KOC HOLDING ADR/5 TN 1
F:KRKA
|
$9.84 Billion |
|
Raytron Technology Co Ltd
SHG:688002
|
$9.84 Billion |
|
Anker Innovations Technology Co Ltd
SHE:300866
|
$9.84 Billion |
|
Symrise AG
F:SY1
|
$9.81 Billion |
|
D'Ieteren Group SA
BR:DIE
|
$9.80 Billion |
|
Advantech Co Ltd
TW:2395
|
$9.80 Billion |
|
CICT Mobile Communication Technology Co. Ltd. A
SHG:688387
|
$9.80 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: 1.28x
- 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 17.40x to 1.28x 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 | $129.24 | x |
| 1990-12-31 | $8.07 | $129.24 | x |
| 1991-12-31 | $8.75 | $129.24 | x |
| 1992-12-31 | $9.40 | $129.24 | x |
| 1993-12-31 | $10.78 | $129.24 | x |
| 1994-12-31 | $10.36 | $129.24 | x |
| 1995-12-31 | $11.62 | $129.24 | x |
| 1996-12-31 | $11.96 | $129.24 | x |
| 1997-12-31 | $13.02 | $129.24 | x |
| 1998-12-31 | $13.97 | $129.24 | x |
| 1999-12-31 | $14.33 | $129.24 | x |
| 2000-12-31 | $14.99 | $129.24 | x |
| 2001-12-31 | $17.35 | $129.24 | x |
| 2002-12-31 | $18.11 | $129.24 | x |
| 2003-12-31 | $18.62 | $129.24 | x |
| 2004-12-31 | $18.84 | $129.24 | x |
| 2005-12-31 | $19.27 | $129.24 | x |
| 2006-12-31 | $19.93 | $129.24 | x |
| 2007-12-31 | $21.24 | $129.24 | x |
| 2008-12-31 | $23.66 | $129.24 | x |
| 2009-12-31 | $24.97 | $129.24 | x |
| 2010-12-31 | $26.35 | $129.24 | x |
| 2011-12-31 | $29.53 | $129.24 | x |
| 2012-12-31 | $31.96 | $129.24 | x |
| 2013-12-31 | $36.49 | $129.24 | x |
| 2014-12-31 | $36.10 | $129.24 | x |
| 2015-12-31 | $39.80 | $129.24 | x |
| 2016-12-31 | $39.82 | $129.24 | x |
| 2017-12-31 | $43.77 | $129.24 | x |
| 2018-12-31 | $44.77 | $129.24 | x |
| 2019-12-31 | $53.10 | $129.24 | x |
| 2020-12-31 | $62.41 | $129.24 | x |
| 2021-12-31 | $64.54 | $129.24 | x |
| 2022-12-31 | $54.71 | $129.24 | x |
| 2023-12-31 | $63.58 | $129.24 | x |
| 2024-12-31 | $70.66 | $129.24 | x |
| 2025-12-31 | $100.60 | $129.24 | 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: $552,557,300
- Average return on equity (ROE) among peers: 11.02%
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 | $9.82 Billion |
| Ameris Bancorp (ABCB) | $1.46 Billion | 8.31% | 6.86x | $4.95 Billion |
| Ameris Bancorp (ABCB) | $120.94 Million | 10.83% | 9.48x | $5.70 Billion |
| ACNB Corporation (ACNB) | $74.01 Million | 9.97% | 11.77x | $483.21 Million |
| Affinity Bancshares Inc (AFBI) | $129.12 Million | 4.21% | 5.71x | $135.98 Million |
| Alerus Financial Corp (ALRS) | $153.31 Million | 13.22% | 8.01x | $647.19 Million |
| Amalgamated Bank (AMAL) | $535.82 Million | 8.62% | 10.16x | $1.14 Billion |
| Amerant Bancorp Inc. (AMTB) | $901.22 Million | 12.53% | 7.48x | $962.39 Million |
| Arrow Financial Corporation (AROW) | $72.29 Million | 17.85% | 12.85x | $601.02 Million |
| Associated Banc-Corp (ASB) | $2.02 Billion | 12.80% | 9.17x | $5.20 Billion |
| AmeriServ Financial Inc (ASRV) | $65.10 Million | 11.83% | 10.90x | $62.60 Million |
About 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