UMB FINANCIAL CORP
Nasdaq: UMBFNational Commercial Banks · Entity-resolved by Clous
Key financials
AI business summary — latest 10-K
Summary
The annual report describes a company with durable hardware franchises and a fast-growing, high-margin services segment. Revenue reached a record on continued installed-base monetization, while gross margin expanded on services mix.
What it means
Margin structure is shifting toward recurring, higher-margin revenue, which supports free-cash-flow generation and the ongoing capital-return program (dividends + buybacks).
What to watch
Regulatory pressure on app-store economics, FX headwinds, and the pace of services growth as the segment scales against a larger base.
Generated from public filings · not investment advice
| Concept | FY2022-12-31 | FY2023-12-31 | FY2024-12-31 | FY2025-12-31 | YoY | % rev |
|---|---|---|---|---|---|---|
| Net Income | $431.68M | $350.02M | $441.24M | $702.4M | +59.2% | — |
| Total Assets | $38.51B | $44.01B | $50.41B | $73.09B | +45.0% | — |
| Equity | $2.67B | $3.1B | $3.47B | $7.69B | +121.9% | — |
| Operating Cash Flow | $769.55M | $472.6M | $225.29M | $1.03B | +355.7% | — |
| Shares Outstanding | — | — | — | 76.14M | — | — |
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