Umb Financial annual return on equity
2009
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2025
Umb Financial Return on Equity (ROE) Growth & History (UMBF)
Umb Financial's return on equity was 12.59% for fiscal 2025.
View full Umb Financial company overviewUmb Financial annual return on equity history
| Fiscal year | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| 2025 | 2025-12-31 | 12.59% | −0.85 pp |
| 2024 | 2024-12-31 | 13.44% | +1.30 pp |
| 2023 | 2023-12-31 | 12.14% | −2.72 pp |
| 2022 | 2022-12-31 | 14.85% | +3.40 pp |
| 2021 | 2021-12-31 | 11.46% | +1.27 pp |
| 2020 | 2020-12-31 | 10.19% | +0.11 pp |
| 2019 | 2019-12-31 | 10.08% | +1.21 pp |
| 2018 | 2018-12-31 | 8.87% | −3.06 pp |
| 2017 | 2017-12-31 | 11.93% | +3.69 pp |
| 2016 | 2016-12-31 | 8.24% | +1.67 pp |
| 2015 | 2015-12-31 | 6.56% | −1.10 pp |
| 2014 | 2014-12-31 | 7.66% | −1.96 pp |
| 2013 | 2013-12-31 | 9.62% | −0.32 pp |
| 2012 | 2012-12-31 | 9.93% | +0.48 pp |
| 2011 | 2011-12-31 | 9.46% | +0.69 pp |
| 2010 | 2010-12-31 | 8.77% | −0.23 pp |
| 2009 | 2009-12-31 | 8.99% | — |
Umb Financial quarterly return on equity
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Q1.26
Q2.26
| Fiscal quarter | Period ended | Return on equity | Change (percentage points) |
|---|---|---|---|
| Q2 2026 | 2026-06-30 | 3.50% | +0.40 pp |
| Q1 2026 | 2026-03-31 | 3.37% | +1.78 pp |
| Q4 2025 | 2025-12-31 | 2.85% | −0.58 pp |
| Q3 2025 | 2025-09-30 | 2.56% | −0.69 pp |
| Q2 2025 | 2025-06-30 | 3.10% | −0.08 pp |
| Q1 2025 | 2025-03-31 | 1.59% | −1.93 pp |
| Q4 2024 | 2024-12-31 | 3.43% | +1.03 pp |
| Q3 2024 | 2024-09-30 | 3.24% | −0.18 pp |
| Q2 2024 | 2024-06-30 | 3.18% | −0.01 pp |
| Q1 2024 | 2024-03-31 | 3.53% | +0.15 pp |
| Q4 2023 | 2023-12-31 | 2.40% | −1.46 pp |
| Q3 2023 | 2023-09-30 | 3.42% | +0.02 pp |
| Q2 2023 | 2023-06-30 | 3.19% | −1.91 pp |
| Q1 2023 | 2023-03-31 | 3.37% | −0.22 pp |
| Q4 2022 | 2022-12-31 | 3.86% | +1.35 pp |
| Q3 2022 | 2022-09-30 | 3.41% | +0.36 pp |
| Q2 2022 | 2022-06-30 | 5.10% | +2.21 pp |
| Q1 2022 | 2022-03-31 | 3.60% | +0.49 pp |
| Q4 2021 | 2021-12-31 | 2.51% | −2.82 pp |
| Q3 2021 | 2021-09-30 | 3.05% | +0.45 pp |
| Q2 2021 | 2021-06-30 | 2.89% | +0.67 pp |
| Q1 2021 | 2021-03-31 | 3.10% | +3.23 pp |
| Q4 2020 | 2020-12-31 | 5.33% | +2.75 pp |
| Q3 2020 | 2020-09-30 | 2.60% | +0.12 pp |
| Q2 2020 | 2020-06-30 | 2.22% | −0.13 pp |
| Q1 2020 | 2020-03-31 | −0.13% | −2.65 pp |
| Q4 2019 | 2019-12-31 | 2.57% | +1.42 pp |
| Q3 2019 | 2019-09-30 | 2.47% | −0.15 pp |
| Q2 2019 | 2019-06-30 | 2.36% | −0.18 pp |
| Q1 2019 | 2019-03-31 | 2.52% | −0.09 pp |
| Q4 2018 | 2018-12-31 | 1.15% | −4.08 pp |
| Q3 2018 | 2018-09-30 | 2.63% | +0.32 pp |
| Q2 2018 | 2018-06-30 | 2.54% | +0.44 pp |
| Q1 2018 | 2018-03-31 | 2.61% | +0.39 pp |
| Q4 2017 | 2017-12-31 | 5.23% | +3.07 pp |
| Q3 2017 | 2017-09-30 | 2.31% | +0.22 pp |
| Q2 2017 | 2017-06-30 | 2.10% | +0.20 pp |
| Q1 2017 | 2017-03-31 | 2.22% | +0.33 pp |
| Q4 2016 | 2016-12-31 | 2.15% | +0.59 pp |
| Q3 2016 | 2016-09-30 | 2.08% | +0.89 pp |
| Q2 2016 | 2016-06-30 | 1.90% | +0.19 pp |
| Q1 2016 | 2016-03-31 | 1.89% | −0.14 pp |
| Q4 2015 | 2015-12-31 | 1.56% | −0.09 pp |
| Q3 2015 | 2015-09-30 | 1.19% | −1.02 pp |
| Q2 2015 | 2015-06-30 | 1.71% | −0.50 pp |
| Q1 2015 | 2015-03-31 | 2.03% | +0.49 pp |
| Q4 2014 | 2014-12-31 | 1.65% | −0.68 pp |
| Q3 2014 | 2014-09-30 | 2.22% | −0.34 pp |
| Q2 2014 | 2014-06-30 | 2.21% | −0.18 pp |
| Q1 2014 | 2014-03-31 | 1.54% | −1.19 pp |
| Q4 2013 | 2013-12-31 | 2.33% | +0.70 pp |
| Q3 2013 | 2013-09-30 | 2.56% | +0.51 pp |
| Q2 2013 | 2013-06-30 | 2.38% | +0.02 pp |
| Q1 2013 | 2013-03-31 | 2.72% | −1.13 pp |
| Q4 2012 | 2012-12-31 | 1.64% | −0.33 pp |
| Q3 2012 | 2012-09-30 | 2.05% | −0.21 pp |
| Q2 2012 | 2012-06-30 | 2.37% | −0.01 pp |
| Q1 2012 | 2012-03-31 | 3.86% | +0.97 pp |
| Q4 2011 | 2011-12-31 | 1.97% | +0.20 pp |
| Q3 2011 | 2011-09-30 | 2.26% | +0.15 pp |
| Q2 2011 | 2011-06-30 | 2.38% | +0.19 pp |
| Q1 2011 | 2011-03-31 | 2.89% | +0.32 pp |
| Q4 2010 | 2010-12-31 | 1.77% | −0.63 pp |
| Q3 2010 | 2010-09-30 | 2.11% | — |
| Q2 2010 | 2010-06-30 | 2.19% | — |
| Q1 2010 | 2010-03-31 | 2.56% | — |
| Q4 2009 | 2009-12-31 | 2.40% | — |
Umb Financial return on equity trends
Over the last five fiscal years, Umb Financial's return on equity increased from 10.19% to 12.59%, a change of +2.40 percentage points. The latest reported quarter, Q2 2026, shows 3.50%.
About the metric
What return on equity (ROE) means
Return on equity (ROE) measures how much net income a company generates relative to shareholders’ equity. It can help evaluate how efficiently equity capital is used, but unusually high or negative values may reflect leverage, losses, or a small equity base.
Calculation and source
How return on equity is calculated
TickerStat calculates ROE as SEC-reported net income divided by average stockholders’ equity at the beginning and end of the fiscal period. Periods with missing or non-positive average equity are omitted. Quarterly ROE uses quarterly net income and is not annualized. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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