UMB Financial Corporation (UMBF) — Tangible Net Worth Ratio
UMB Financial Corporation (UMBF) has a Tangible Net Worth Ratio of 93.7% as of December 2025. This metric is calculated by deducting intangible assets ($486.87 Million) from net assets ($7.69 Billion) and expressing it as a percentage of total net assets. A higher ratio means that more of the company's equity is backed by tangible, balance-sheet-verifiable assets rather than goodwill, patents, or brand value. See working capital to net assets of UMB Financial Corporation to evaluate short-term liquidity relative to the company's equity base.
Tangible NW Ratio
Net Assets (Equity)
Intangible Assets
Total Assets
UMB Financial Corporation Tangible Net Worth Ratio (1989–2025)
This chart shows how UMB Financial Corporation's Tangible Net Worth Ratio has changed across 37 annual periods from 1989 to 2025. As of December 2025, the ratio stands at 93.7%, reflecting net assets of $7.69 Billion with intangible assets of $486.87 Million USD. See operational self-sufficiency of UMB Financial Corporation to measure how many days the company can operate on defensive assets alone.
Annual Tangible Net Worth Ratio for UMB Financial Corporation (1989–2025)
The table below presents the year-by-year Tangible Net Worth Ratio for UMB Financial Corporation from 1989 to 2025, covering 37 annual filings. Each row shows net assets, intangible assets, total assets, the tangible net worth ratio, and the change in percentage points versus the prior year. For the full company profile including market capitalisation, see UMBF market cap overview.
| Year | Tangible NW Ratio | Net Assets (USD) | Intangible Assets | Total Assets | Change (pp) |
|---|---|---|---|---|---|
| 2025 | 93.7% | $7.69 Billion | $486.87 Million | $73.09 Billion | ▼ -4.0 pp |
| 2024 | 97.7% | $3.47 Billion | $80.78 Million | $50.41 Billion | ▲ +0.9 pp |
| 2023 | 96.7% | $3.10 Billion | $101.42 Million | $44.01 Billion | ▼ -3.1 pp |
| 2022 | 99.8% | $38.13 Billion | $78.72 Million | $38.51 Billion | ▼ -0.2 pp |
| 2021 | 100.0% | $42.42 Billion | $14.42 Million | $42.69 Billion | ▲ +0.0 pp |
| 2020 | 99.9% | $32.86 Billion | $21.06 Million | $33.13 Billion | ▲ +0.0 pp |
| 2019 | 99.9% | $26.46 Billion | $27.60 Million | $26.56 Billion | ▲ +0.6 pp |
| 2018 | 99.3% | $2.23 Billion | $15.00 Million | $23.35 Billion | ▲ +0.3 pp |
| 2017 | 99.1% | $2.18 Billion | $20.26 Million | $21.77 Billion | ▲ +0.8 pp |
| 2016 | 98.2% | $1.96 Billion | $34.49 Million | $20.68 Billion | ▲ +3.3 pp |
| 2015 | 95.0% | $1.89 Billion | $95.57 Million | $19.09 Billion | ▼ -2.4 pp |
| 2014 | 97.3% | $1.64 Billion | $43.99 Million | $17.50 Billion | ▲ +2.8 pp |
| 2013 | 94.5% | $1.51 Billion | $82.89 Million | $16.91 Billion | ▲ +1.4 pp |
| 2012 | 93.1% | $1.28 Billion | $87.75 Million | $14.93 Billion | ▲ +1.6 pp |
| 2011 | 91.5% | $1.19 Billion | $101.21 Million | $13.54 Billion | ▲ +0.2 pp |
| 2010 | 91.3% | $1.06 Billion | $92.30 Million | $12.40 Billion | ▼ -4.0 pp |
| 2009 | 95.3% | $1.02 Billion | $47.46 Million | $11.66 Billion | ▼ -2.8 pp |
| 2008 | 98.1% | $974.81 Million | $18.10 Million | $10.98 Billion | ▼ 0.0 pp |
| 2007 | 98.2% | $890.57 Million | $16.46 Million | $9.34 Billion | ▲ +0.4 pp |
| 2006 | 97.7% | $848.88 Million | $19.31 Million | $8.92 Billion | ▼ -1.8 pp |
| 2005 | 99.5% | $833.46 Million | $4.08 Million | $8.25 Billion | ▲ +0.1 pp |
| 2004 | 99.4% | $819.18 Million | $4.86 Million | $7.81 Billion | ▲ +0.1 pp |
| 2003 | 99.3% | $811.92 Million | $5.60 Million | $7.75 Billion | ▲ +0.2 pp |
| 2002 | 99.2% | $802.80 Million | $6.82 Million | $8.04 Billion | ▲ +7.2 pp |
| 2001 | 92.0% | $768.58 Million | $61.83 Million | $8.73 Billion | ▲ +2.1 pp |
| 2000 | 89.8% | $702.93 Million | $71.64 Million | $7.87 Billion | ▲ +1.2 pp |
| 1999 | 88.6% | $654.99 Million | $74.36 Million | $8.13 Billion | ▼ -0.8 pp |
| 1998 | 89.4% | $662.80 Million | $70.00 Million | $7.65 Billion | ▲ +1.1 pp |
| 1997 | 88.4% | $624.20 Million | $72.60 Million | $7.05 Billion | ▲ +0.8 pp |
| 1996 | 87.5% | $582.50 Million | $72.70 Million | $6.51 Billion | ▲ +0.2 pp |
| 1995 | 87.3% | $622.50 Million | $79.10 Million | $6.28 Billion | ▲ +1.9 pp |
| 1994 | 85.4% | $557.30 Million | $81.20 Million | $6.60 Billion | ▼ -2.2 pp |
| 1993 | 87.6% | $586.60 Million | $72.60 Million | $6.53 Billion | ▲ +1.1 pp |
| 1992 | 86.5% | $399.70 Million | $53.90 Million | $5.00 Billion | ▼ -13.5 pp |
| 1991 | 100.0% | $372.70 Million | $0.00 | $4.69 Billion | ▲ +0.0 pp |
| 1990 | 100.0% | $343.10 Million | $0.00 | $4.27 Billion | ▲ +0.0 pp |
| 1989 | 100.0% | $316.00 Million | $0.00 | $4.04 Billion | — |