Umb Financial annual debt-to-equity ratio
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2025
Umb Financial Debt-to-Equity Ratio Growth & History (UMBF)
Umb Financial's debt-to-equity ratio was 0.07 for fiscal 2025.
View full Umb Financial company overviewUmb Financial annual debt-to-equity ratio history
| Fiscal year | Period ended | Debt-to-equity ratio | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | 0.07 | −0.06 | −44.05% |
| 2024 | 2024-12-31 | 0.13 | −0.60 | −82.43% |
| 2023 | 2023-12-31 | 0.72 | 0.56 | +333.62% |
| 2022 | 2022-12-31 | 0.17 | 0.06 | +56.06% |
| 2021 | 2021-12-31 | 0.11 | −0.01 | −5.53% |
| 2020 | 2020-12-31 | 0.11 | 0.06 | +105.66% |
| 2019 | 2019-12-31 | 0.06 | 0.02 | +48.28% |
| 2018 | 2018-12-31 | 0.04 | 0.00 | +2.08% |
| 2017 | 2017-12-31 | 0.04 | −0.00 | −7.11% |
| 2016 | 2016-12-31 | 0.04 | −0.01 | −18.66% |
| 2015 | 2015-12-31 | 0.05 | 0.04 | +797.37% |
| 2014 | 2014-12-31 | 0.01 | 0.00 | +56.37% |
| 2013 | 2013-12-31 | 0.00 | −0.00 | −25.41% |
| 2012 | 2012-12-31 | 0.00 | −0.01 | −70.46% |
| 2011 | 2011-12-31 | 0.02 | −0.03 | −62.58% |
| 2010 | 2010-12-31 | 0.04 | −0.01 | −23.20% |
| 2009 | 2009-12-31 | 0.05 | — | — |
Umb Financial quarterly debt-to-equity ratio
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Q2.25
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Q2.26
| Fiscal quarter | Period ended | Debt-to-equity ratio | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | 0.06 | −0.03 | −33.73% |
| Q1 2026 | 2026-03-31 | 0.06 | −0.04 | −37.13% |
| Q4 2025 | 2025-12-31 | 0.07 | −0.06 | −44.05% |
| Q3 2025 | 2025-09-30 | 0.06 | −0.34 | −84.40% |
| Q2 2025 | 2025-06-30 | 0.09 | −0.43 | −82.71% |
| Q1 2025 | 2025-03-31 | 0.10 | −0.60 | −86.00% |
| Q4 2024 | 2024-12-31 | 0.13 | −0.60 | −82.43% |
| Q3 2024 | 2024-09-30 | 0.41 | −0.55 | −57.54% |
| Q2 2024 | 2024-06-30 | 0.52 | −0.25 | −32.28% |
| Q1 2024 | 2024-03-31 | 0.69 | −0.44 | −38.73% |
| Q4 2023 | 2023-12-31 | 0.72 | 0.56 | +333.62% |
| Q3 2023 | 2023-09-30 | 0.96 | 0.80 | +532.21% |
| Q2 2023 | 2023-06-30 | 0.77 | 0.67 | +647.44% |
| Q1 2023 | 2023-03-31 | 1.13 | 1.03 | +1042.09% |
| Q4 2022 | 2022-12-31 | 0.17 | 0.06 | +56.06% |
| Q3 2022 | 2022-09-30 | 0.15 | 0.06 | +73.64% |
| Q2 2022 | 2022-06-30 | 0.10 | 0.02 | +17.77% |
| Q1 2022 | 2022-03-31 | 0.10 | 0.01 | +8.42% |
| Q4 2021 | 2021-12-31 | 0.11 | −0.01 | −5.53% |
| Q3 2021 | 2021-09-30 | 0.09 | −0.01 | −12.50% |
| Q2 2021 | 2021-06-30 | 0.09 | 0.06 | +182.77% |
| Q1 2021 | 2021-03-31 | 0.09 | 0.04 | +78.03% |
| Q4 2020 | 2020-12-31 | 0.11 | 0.06 | +105.66% |
| Q3 2020 | 2020-09-30 | 0.10 | 0.04 | +57.92% |
| Q2 2020 | 2020-06-30 | 0.03 | −0.03 | −51.76% |
| Q1 2020 | 2020-03-31 | 0.05 | −0.01 | −20.30% |
| Q4 2019 | 2019-12-31 | 0.06 | 0.02 | +48.28% |
| Q3 2019 | 2019-09-30 | 0.06 | 0.03 | +76.84% |
| Q2 2019 | 2019-06-30 | 0.06 | 0.03 | +79.61% |
| Q1 2019 | 2019-03-31 | 0.06 | 0.03 | +77.22% |
| Q4 2018 | 2018-12-31 | 0.04 | 0.00 | +2.08% |
| Q3 2018 | 2018-09-30 | 0.04 | −0.00 | −1.55% |
| Q2 2018 | 2018-06-30 | 0.04 | −0.00 | −2.71% |
| Q1 2018 | 2018-03-31 | 0.04 | −0.00 | −4.07% |
| Q4 2017 | 2017-12-31 | 0.04 | −0.00 | −7.11% |
| Q3 2017 | 2017-09-30 | 0.04 | −0.00 | −2.83% |
| Q2 2017 | 2017-06-30 | 0.04 | −0.01 | −18.53% |
| Q1 2017 | 2017-03-31 | 0.04 | −0.01 | −18.29% |
| Q4 2016 | 2016-12-31 | 0.04 | −0.01 | −18.66% |
| Q3 2016 | 2016-09-30 | 0.04 | −0.01 | −20.02% |
| Q2 2016 | 2016-06-30 | 0.05 | −0.00 | −5.22% |
| Q1 2016 | 2016-03-31 | 0.05 | 0.04 | +925.33% |
| Q4 2015 | 2015-12-31 | 0.05 | 0.04 | +797.37% |
| Q3 2015 | 2015-09-30 | 0.05 | 0.04 | +964.61% |
| Q2 2015 | 2015-06-30 | 0.05 | 0.04 | +1226.04% |
| Q1 2015 | 2015-03-31 | 0.00 | 0.00 | +19.81% |
| Q4 2014 | 2014-12-31 | 0.01 | 0.00 | +56.37% |
| Q3 2014 | 2014-09-30 | 0.00 | 0.00 | +19.89% |
| Q2 2014 | 2014-06-30 | 0.00 | −0.00 | −3.86% |
| Q1 2014 | 2014-03-31 | 0.00 | 0.00 | +0.82% |
| Q4 2013 | 2013-12-31 | 0.00 | −0.00 | −25.41% |
| Q3 2013 | 2013-09-30 | 0.00 | −0.00 | −16.15% |
| Q2 2013 | 2013-06-30 | 0.00 | −0.01 | −69.38% |
| Q1 2013 | 2013-03-31 | 0.00 | −0.01 | −70.59% |
| Q4 2012 | 2012-12-31 | 0.00 | −0.01 | −70.46% |
| Q3 2012 | 2012-09-30 | 0.00 | −0.03 | −86.78% |
| Q2 2012 | 2012-06-30 | 0.01 | −0.02 | −55.84% |
| Q1 2012 | 2012-03-31 | 0.01 | −0.02 | −56.55% |
| Q4 2011 | 2011-12-31 | 0.02 | −0.03 | −62.58% |
| Q3 2011 | 2011-09-30 | 0.03 | −0.00 | −2.70% |
| Q2 2011 | 2011-06-30 | 0.03 | −0.01 | −22.27% |
| Q1 2011 | 2011-03-31 | 0.03 | −0.02 | −34.62% |
| Q4 2010 | 2010-12-31 | 0.04 | −0.01 | −23.20% |
| Q3 2010 | 2010-09-30 | 0.03 | — | — |
| Q2 2010 | 2010-06-30 | 0.04 | — | — |
| Q1 2010 | 2010-03-31 | 0.04 | — | — |
| Q4 2009 | 2009-12-31 | 0.05 | — | — |
Umb Financial debt-to-equity ratio trends
Over the last five fiscal years, Umb Financial's debt-to-equity ratio decreased from 0.11 to 0.07, a change of −0.04. The latest reported quarter, Q2 2026, shows 0.06.
About the metric
What the debt-to-equity ratio means
The debt-to-equity ratio compares interest-bearing debt with shareholders’ equity. It helps show how much debt financing a company uses relative to its accounting equity, but useful comparison levels vary by industry.
Calculation and source
How debt-to-equity is calculated
TickerStat calculates debt-to-equity as total interest-bearing debt divided by SEC-reported shareholders’ equity for the same balance-sheet date. Total liabilities are not treated as debt, and periods with non-positive equity are omitted. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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