UMB金融 UMBF
$133.77 −$0.93 (-0.69%)
休市 · Nov 7, 9:50 pm ET · 最新盘后价 $133.77 0.00%
开盘$133.34
昨收$134.70
当日区间$133.34 – $136.25
成交量341.5K
市值$10.16B
市盈率（TTM）10.1
股息率1.34%
基本面
最新报告季度：Q3, ended Sep 2026
营收$716.71M+15.3% YoY
净利润$278.09M+47.7% YoY
摊薄每股收益$3.56+50.8% YoY
自由现金流$358.89M+39.2% YoY
经营现金流$370.44M
营收，近8个季度
净利润，近8个季度
各季度摊薄每股收益
各季度自由现金流
年度营收
盈利能力与资产负债表
净利率36.2%
净资产收益率13.7%
资产收益率1.4%
负债/资产比率89.2%
现金及投资$5.01B
总负债$109.57M
净现金（净负债）$4.90B
自由现金流/营收40.9%
营收构成
2026/Q2 季度
按业务线
利润表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 营业总收入 | $716.71M | $723.08M | $685.26M | $2.43B | $664.95M |
| 净利息收入 | $540.01M | $532.53M | $534.37M | $1.86B | $522.50M |
| -利息收入 | $895.40M | $871.37M | $867.07M | $3.35B | $886.88M |
| -利息支出 | $355.39M | $338.84M | $332.70M | $1.49B | $364.38M |
| 非利息收入 | $176.70M | $190.56M | $150.89M | $567.70M | $142.45M |
| -手续费及佣金 | $133.59M | $128.50M | $120.46M | $428.68M | $114.03M |
| -交易损益 | $5.27M | $5.31M | $7.74M | $25.31M | $6.20M |
| -其他非利息收入 | $26.83M | $29.66M | $19.64M | $82.75M | $20.07M |
| -资产出售损益 | $11.01M | $27.09M | $3.05M | $30.97M | $2.16M |
| 信用损失准备 | -$31.00M | -$28.00M | -$27.00M | -$154.50M | -$25.00M |
| 非利息支出 | $343.78M | $344.69M | $326.98M | $1.40B | $369.64M |
| 物业及设备费用 | $35.26M | $33.22M | $32.40M | $138.64M | $34.91M |
| 专业及外包服务费用 | $14.88M | $14.42M | $9.09M | $92.30M | $23.61M |
| 销售及管理费用 | $236.53M | $241.08M | $233.47M | $929.57M | $243.85M |
| -销售及营销费用 | $15.29M | $13.92M | $13.79M | $45.68M | $15.25M |
| -管理费用 | $221.24M | $227.16M | $219.68M | $883.88M | $228.61M |
| 折旧、摊销与折耗 | $23.24M | $23.46M | $23.46M | $93.52M | $25.45M |
| -折旧与摊销 | $23.24M | $23.46M | $23.46M | $93.52M | $25.45M |
| 其他非利息支出 | $33.86M | $32.52M | $28.57M | $146.42M | $41.81M |
| 税前利润 | $341.93M | $350.40M | $331.28M | $874.96M | $270.31M |
| 税费 | $63.85M | $72.83M | $69.84M | $172.56M | $54.95M |
| 净利润 | $278.09M | $277.57M | $261.44M | $702.40M | $215.36M |
| 持续经营利润 | $278.09M | $277.57M | $261.44M | $702.40M | $215.36M |
| 归属母公司净利润 | $278.09M | $277.57M | $261.44M | $702.40M | $215.36M |
| 优先股股息 | $5.81M | $5.81M | $5.81M | $17.78M | $5.81M |
| 归属普通股股东净利润 | $272.27M | $271.76M | $255.63M | $684.62M | $209.54M |
| 基本每股收益 | $3.58 | $3.58 | $3.36 | $9.35 | $2.76 |
| 摊薄每股收益 | $3.56 | $3.56 | $3.35 | $9.29 | $2.74 |
| 每股股息 | $0.50 | $0.43 | $0.43 | $1.63 | $0.43 |
资产负债表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 总资产 | $72.74B | $72.26B | $72.67B | $73.09B | $73.09B |
| 现金、现金等价物及联邦基金出售 | $5.96B | $6.66B | $7.92B | $9.44B | $9.44B |
| -现金及现金等价物 | $5.01B | $5.73B | $6.39B | $7.89B | $7.89B |
| -货币市场投资 | $953.85M | $928.44M | $1.52B | $1.55B | $1.55B |
| 证券投资 | $7.07B | $19.80B | $19.93B | $19.99B | $19.99B |
| -交易性证券 | $49.78M | $45.84M | $24.21M | $22.33M | $22.33M |
| -可供出售证券 | $612.79M | $4.92B | $13.43B | $5.47B | $5.47B |
| -持有至到期证券 | $5.70B | $5.71B | $5.70B | $5.72B | $5.72B |
| -短期投资 | $708.31M | $9.12B | $777.23M | $8.78B | $8.78B |
| 贷款净额 | $41.62B | $40.22B | $39.31B | $38.13B | $38.13B |
| -贷款总额 | $42.07B | $40.66B | $39.73B | $38.54B | $38.54B |
| -贷款及租赁损失准备 | $448.40M | $433.08M | $424.09M | $417.75M | $417.75M |
| 应收款 | $808.72M | $843.40M | $749.82M | $586.31M | $586.31M |
| -其他应收款 | $808.72M | $843.40M | $749.82M | $586.31M | $586.31M |
| 固定资产净值 | $398.42M | $397.35M | $391.02M | $387.88M | $387.88M |
| 商誉及其他无形资产 | $2.25B | $2.28B | $2.30B | $2.34B | $2.34B |
| -商誉 | $1.84B | $1.84B | $1.84B | $1.84B | $1.84B |
| -其他无形资产 | $416.71M | $439.95M | $463.41M | $497.26M | $497.26M |
| 联邦住房贷款银行股票 | $137.50M | $137.67M | $137.66M | $137.50M | $137.50M |
| 其他资产 | $14.48B | $1.91B | $1.94B | $2.09B | $2.09B |
| 负债合计 | $64.89B | $64.22B | $64.85B | $65.40B | $65.40B |
| 存款合计 | $60.17B | $59.77B | $59.98B | $60.66B | $60.66B |
| 联邦基金购入及回购协议下证券出售 | $3.24B | $3.08B | $3.55B | $3.32B | $3.32B |
| 一年内应计费用 | $403.16M | $360.69M | $309.93M | $435.35M | $435.35M |
| 长期债务及融资租赁负债 | $109.57M | $257.78M | $255.99M | $254.20M | $254.20M |
| -长期债务 | $109.57M | $257.78M | $255.99M | $254.20M | $254.20M |
| 可转换优先证券 | $223.54M | $222.35M | $221.18M | $220.03M | $220.03M |
| 其他负债 | $742.26M | $533.67M | $528.57M | $509.21M | $509.21M |
| 股东权益合计 | $7.85B | $8.03B | $7.83B | $7.69B | $7.69B |
| 股东权益 | $7.85B | $8.03B | $7.83B | $7.69B | $7.69B |
| 股本 | $372.73M | $372.73M | $372.73M | $372.73M | $372.73M |
| -普通股 | $78.67M | $78.67M | $78.67M | $78.67M | $78.67M |
| -优先股 | $294.07M | $294.07M | $294.07M | $294.07M | $294.07M |
| 资本公积 | $4.03B | $4.02B | $4.01B | $4.01B | $4.01B |
| 留存收益 | $4.43B | $4.20B | $3.96B | $3.74B | $3.74B |
| 减：库存股 | $184.01M | $184.28M | $179.72M | $165.10M | $165.10M |
| 不影响留存收益的损益 | -$793.25M | -$371.52M | -$331.35M | -$261.52M | -$261.52M |
| -固定资产原值 | – | – | – | $834.93M | $834.93M |
| -累计折旧 | – | – | – | -$447.05M | -$447.05M |
现金流量表
| 项目 | 2026 Q3 | 2026 Q2 | 2026 Q1 | 2025 ANNUAL | 2025 Q4 |
|---|---|---|---|---|---|
| 经营活动现金流 | $370.44M | $349.26M | $361.27M | $1.03B | $106.08M |
| 持续经营经营活动现金流净额 | $370.44M | $349.26M | $361.27M | $1.03B | $106.08M |
| 持续经营净利润 | $278.09M | $277.57M | $261.44M | $702.40M | $215.36M |
| 持续经营损益 | -$14.26M | -$49.35M | -$4.71M | -$27.40M | $10.63M |
| 折旧、折耗与摊销 | $34.68M | $35.13M | $35.09M | $141.77M | $37.40M |
| 递延税款 | -$16,000.00 | -$3.27M | $21.12M | $82.83M | $57.61M |
| 其他非现金项目 | $4.52M | -$1.39M | -$1.63M | $4.21M | $1.98M |
| 营运资金变动 | $59.02M | $88.11M | $57.65M | $80.16M | -$197.49M |
| -应收款变动 | $1.34M | -$4.76M | $6.95M | -$29.27M | -$17.99M |
| -应付账款及应计费用变动 | $40.47M | $50.76M | -$123.19M | $26.25M | -$16.09M |
| -Change in Other Working Capital | $17.21M | $42.11M | $173.88M | $83.18M | -$163.41M |
| 投资活动现金流净额 | -$1.74B | -$276.45M | -$1.35B | -$5.62B | -$2.14B |
| 持续经营投资活动现金流净额 | -$1.74B | -$276.45M | -$1.35B | -$5.62B | -$2.14B |
| 计息银行存款收付款 | -$286.47M | $8.93M | -$8.67M | $955.76M | $2.88M |
| 固定资产购置及出售净额 | -$11.55M | -$18.46M | -$4.52M | -$48.58M | -$10.76M |
| 业务购买及出售净额 | $0.00 | $0.00 | $0.00 | $169.26M | -$874,000.00 |
| 投资购置及出售净额 | -$53.15M | $136.88M | -$13.89M | -$2.41B | -$276.51M |
| 贷款净收益 | -$1.37B | -$1.00B | -$1.35B | -$3.25B | -$1.04B |
| 筹资活动现金流 | $363.02M | -$724.30M | -$522.21M | $3.92B | $966.96M |
| 持续经营筹资活动现金流净额 | $363.02M | -$724.30M | -$522.21M | $3.92B | $966.96M |
| 联邦基金及回购证券变动 | $153.71M | -$467.14M | $225.80M | $692.59M | $486.34M |
| 存款增减 | $402.66M | -$214.07M | -$676.03M | $3.16B | $520.95M |
| Net Issuance Payments of Debt | -$150.00M | $0.00 | $0.00 | -$200.00M | $0.00 |
| 普通股发行净额 | $0.00 | -$5.09M | -$32.81M | $217.51M | -$79,000.00 |
| 优先股发行净额 | $0.00 | – | – | $179.07M | $0.00 |
| 已付现金股利 | -$43.77M | -$38.50M | -$39.61M | -$135.62M | -$40.61M |
| 股票期权行使所得 | $422,000.00 | $498,000.00 | $452,000.00 | $1.31M | $366,000.00 |
| 期末现金余额 | $4.60B | $5.61B | $6.26B | $7.77B | $7.77B |
| 现金净变动 | -$1.01B | -$651.49M | -$1.51B | -$676.72M | -$1.07B |
| 期初现金余额 | $5.61B | $6.26B | $7.77B | $8.45B | $8.84B |
| 自由现金流 | $358.89M | $330.80M | $356.76M | $978.11M | $95.32M |
| 其他投资变动净额 | – | – | – | -$33.63M | -$35.97M |
| 其他筹资活动净额 | – | – | – | -$524,000.00 | $0.00 |
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