UMBF FINANCIAL STATEMENTS

UMB Financial Corporation — balance sheet, income statement and cash flow trends

UMBFUMB Financial Corporation

🇺🇸 USA · NASDAQ · Financial Services · Banks - Regional

Value it Duel

Income Statement

Quarterly progression — trailing-twelve-month values

RevenueNet Income

Profit Funnel

Q1 2026 · TTM

Percentages are relative to revenue.

Key Figures

YoY change

Revenue4.5 B $+56.7%

Gross Profit2.5 B $+70.8%

Operating Income933.4 M $+86.5%

EBITDA1.1 B $+91.2%

Net Income882.5 M $+114.0%

Peer Comparison· Banks - Regional

Company	Rev. Growth	Gross Margin	EBITDA Margin	Net Margin
UMBF	—	—	—	19.8%
GARAN	—	—	—	31.2%
UNI	—	—	—	22.8%
AKBNK	—	—	—	27.4%
ISCTR	—	—	—	28.1%
BKT	—	—	—	23.8%
Industry median	—	67.2%	20.4%	20.6%

Balance Sheet

Quarterly period-end values

Total AssetsTotal LiabilitiesEquity

Capital Structure

Q1 2026

Equity7.8 B $11%
Current Liabilities3.6 B $5%
Long-term Liabilities61.3 B $84%

Key Figures

YoY change

Total Assets72.7 B $+4.8%

Total Liabilities64.8 B $+3.6%

Total Equity7.8 B $+16.0%

Cash & ST Investments735.8 M $-96.6%

Total Debt4 B $+25.3%

Net Debt3.3 B $—

Peer Comparison· Banks - Regional

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
UMBF	0.21	51.5%	3.03	10.8%
GARAN	—	0.0%	-4.60	11.2%
UNI	0.07	126.7%	3.46	7.1%
AKBNK	—	0.0%	-7.12	8.8%
ISCTR	—	0.0%	-28.33	8.5%
BKT	0.16	153.4%	-4.70	4.8%
Industry median	0.31	38.0%	-0.58	11.0%

Company	Current Ratio	Debt/Equity	NetDebt/EBITDA	Equity/Assets
UMBF	0.21	51.5%	3.03	10.8%
WTFC	0.27	58.9%	-7.65	10.2%
BPOP	0.39	20.0%	-22.79	8.3%
ZION	0.28	32.1%	-14.15	8.3%
ONB	0.04	91.9%	4.90	11.7%
SSB	11.08	14.8%	-4.30	13.3%
Industry median	0.31	38.0%	-0.58	11.0%

Cash Flow Statement

Quarterly progression — trailing-twelve-month values

Operating Cash FlowCapital ExpendituresFree Cash Flow

Cash Flow Bridge

Q1 2026 · TTM

Key Figures

YoY change

Operating Cash Flow1 B $+92.6%

Capital Expenditures44.3 M $+44.4%

Free Cash Flow980.7 M $+95.5%

Dividends Paid-145.1 M $-264.5%

Peer Comparison· Banks - Regional

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
UMBF	23.0%	22.0%	1.0%	116.1%
GARAN	31.2%	30.5%	0.7%	100.0%
UNI	—	—	0.0%	—
AKBNK	27.4%	24.4%	2.9%	100.0%
ISCTR	28.1%	33.1%	5.0%	100.0%
BKT	—	—	0.0%	—
Industry median	23.6%	22.1%	1.5%	111.4%

Company	CF Margin	FCF Margin	CapEx Ratio	CF/Net Income
UMBF	23.0%	22.0%	1.0%	116.1%
WTFC	40.1%	39.2%	1.2%	199.2%
BPOP	20.4%	16.2%	4.1%	99.6%
ZION	26.1%	23.7%	2.4%	133.8%
ONB	19.6%	18.8%	1.5%	102.8%
SSB	15.8%	15.2%	2.3%	63.7%
Industry median	23.6%	22.1%	1.5%	111.4%

Amounts are in the company’s reporting currency. Peer comparison tables use ratio-based metrics so currency differences do not distort the picture.

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Data on this page refreshes once per day. Price data as of Jul 8, 26. This content is for informational purposes only and is not investment advice.