Pulling SEC filings + quote and writing the call…
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net income | $159M | $247M | $196M | $244M | $287M | $353M | $432M | $350M | $441M | $702M |
| EPS (diluted) | $3.22 | $4.96 | $3.93 | $4.96 | $5.93 | $7.24 | $8.86 | $7.18 | $8.99 | $9.29 |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | $296M | $327M | $296M | $340M | $374M | $534M | $770M | $473M | $225M | $1.03B |
| Capital expenditures | $50.8M | $36.4M | $57.9M | $72.3M | $60.2M | $33.7M | $51.7M | $23.1M | $20.0M | $48.6M |
| Free cash flow | $246M | $290M | $238M | $268M | $313M | $500M | $718M | $450M | $205M | $978M |
| Share buybacks | $16.4M | $15.3M | $76.5M | $4.50M | $63.8M | $5.51M | $32.0M | $8.37M | $7.74M | $17.6M |
| Dividends paid | $49.0M | $51.9M | $58.3M | $59.4M | $60.3M | $66.8M | $72.0M | $74.2M | $77.1M | $136M |
| Fiscal year | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & equivalents | $1.06B | $1.72B | $1.67B | $1.67B | $3.50B | $9.21B | $1.56B | $5.53B | $8.45B | $7.77B |
| Total assets | $20.7B | $21.8B | $23.4B | $26.6B | $33.1B | $42.7B | $38.5B | $44.0B | $50.4B | $73.1B |
| Total liabilities | $18.7B | $19.6B | $21.1B | $24.0B | $30.1B | $39.5B | $35.8B | $40.9B | $46.9B | $65.4B |
| Long-term debt | $76.8M | $79.3M | $82.7M | $70.4M | $270M | $272M | $381M | $383M | $385M | $474M |
| Shareholders' equity | $1.96B | $2.18B | $2.23B | $2.61B | $3.02B | $3.15B | $2.67B | $3.10B | $3.47B | $7.69B |
| Retained earnings | $1.14B | $1.34B | $1.49B | $1.67B | $1.89B | $2.18B | $2.54B | $2.81B | $3.17B | $3.74B |
| Shares (wtd avg diluted) | 49.3M | 49.8M | 49.8M | 49.1M | 48.3M | 48.7M | 48.7M | 48.8M | 49.1M | 73.7M |
Every figure is extracted from UMB FINANCIAL CORP’s annual reports as filed with the SEC (XBRL company facts) — no third-party estimates. Fiscal years are labeled by period end; filers occasionally re-tag concepts, so a sparse cell means the company didn’t report that concept for that year. Free cash flow = operating cash flow − capital expenditures.
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