UMB Financial Annual Income Statement (NASDAQ:UMBF)

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$78.49 $0.18 (0.23%) UMBF stock closing price Dec 07, 2016 (Closing)

Fundamental analysis of UMBF stock involves analyzing its financial statements, apart from checking the UMB Financial stock price In the income statement, an investor can check for important parameters like the topline, the bottomline, the EPS basic, dividends etc. The income statement is always for an accounting period, typically for a year or quarter, and affects the stock. In this case, the UMBF stock is bound to reflect the impact of the YoY growth of $34.58M. One also needs to look at UMB Financial assets, operating expenses and UMB Financial free cash flow. The profit and loss statement shows revenue of $897.13M for 2015. Revenue has grown by $34.58M YoY for UMBF stock. UMB Financial revenue for 2015 is $897.13M. View revenue and profit details for latest and last 10 financial years.

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Annual
Quarterly
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Fiscal year is Jan - Dec. 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006
UMB Financial Net Sales or Revenues
897.13M862.55M840.17M797.8M757.98M706.87M666.39M700.75M703.2M624.02M
Cost Of Goods Sold (COGS)14.26M12.24M13.18M17.41M24.62M33.44M49.91M89.74M120.21M96.88M
UMB Financial Gross Profit
882.86M850.31M826.99M780.39M733.35M673.42M616.47M611.01M582.98M527.13M
Research & Development Expense----------
Selling General & Admin Expense707.14M671.73M628.46M593.17M568.84M532.99M486.51M444.89M413.55M388.55M
Income Before Depreciation Depletion Amortization175.72M178.58M198.53M187.21M164.51M140.43M129.95M166.11M169.43M138.58M
Depreciation Depletion Amortization12.09M12.19M13.21M14.77M16.1M11.14M6.16M3.1M2.94M1.6M
Non Operating Income----------
Interest Expense4.34M1.57M1.88M2.21M2.05M2.44M3.31M23.17M61.51M54.97M
UMB Financial Pretax Income
159.28M164.81M183.42M170.22M146.35M126.85M120.47M139.83M104.97M82.01M
Provision for Income Taxes43.21M44.16M49.45M47.5M39.88M35.84M30.99M41.75M30.76M22.25M
Minority Interest----------
Investment Gains Losses----------
Other Income----------
Income Before Extraordinaries & Disc Operations116.07M120.65M133.96M122.71M106.47M91M89.48M98.07M74.21M59.76M
Extraordinary Items & Discontinued Operations----------
UMB Financial Net Income (Profit/Loss)
116.07M120.65M133.96M122.71M106.47M91M89.48M98.07M74.21M59.76M
Average Shares used to compute Diluted EPS47.58M44.85M41.28M40.03M40.03M40.07M40.32M40.74M41.71M42.59M
Average Shares used to compute Basic EPS47.13M44.85M41.28M40.03M40.03M40.07M40.32M40.74M41.71M42.59M
Income Before Nonrecurring Items116.07M120.66M133.97M122.72M111.54M91M89.48M89.82M76.71M59.77M
Income from Nonrecurring Items-----5.07M--8.26M-2.5M-
UMB Financial Earnings Per Share Basic Net
2.462.693.253.072.662.272.222.411.781.40
UMB Financial Earnings Per Share Diluted Net
2.442.653.203.042.642.262.202.381.781.40
EPS Diluted Before Nonrecurring Items2.442.653.203.042.772.262.202.181.841.40
Preferred Dividends Acc Pd----------
Dividends Common----------
Dividend Per Share Common0.950.910.870.830.790.750.710.660.570.52
All figures in USD. M: Millions of USD, B: Billions of USD.
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The key things to look for in an income statement while doing UMB Financial stock analysis are:
  • Topline: A growing topline, as seen from the UMB Financial revenue chart, as is the case with UMB Financial indicates a growing business. One needs to compare the QoQ or YoY topline growth of UMBF stock with its peers like CBSH stock and PVTB stock to see if the growth compares well with what can be expected for a company in that industry.
  • Bottom line: The Bottomline or the net income figure is arrived at by deducting all expenses from the topline which in this case is $897.13M - other expenses = $116.07M for UMBF stock. An improving bottomline implies that the company is growing profits.
The income statement is also called statement of revenue and expense. The financials along with UMB Financial historical stock prices provides a lot of details about the firm. .

UMB Financial Income Statement - Key Financial Ratios

PE ratio (price earnings ratio)
26.6070
PS ratio (
price sales ratio
)
3.9286
Operating margin
22.3
Net profit margin
16.5
Dividend yield
1.27%