UMB Financial Corporation (UMBF) Revenue-to-Profit Sankey Flow & SEC XBRL Financials
UMB Financial Corporation (UMBF) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The underlying business is intact, so current owners don’t need to panic-sell—but mixed big-money flow or rich pricing means new buyers can afford to wait for either a pullback or a B-or-higher upgrade.
How UMBF Turns Every Dollar of Sales Into Real Bottom-Line Profit
Multi-Year SEC EDGAR XBRL Revenue, Net Profit & Free Cash Flow Trajectory
| Fiscal Year | Revenue | Gross Margin | Op Margin | Net Profit | Free Cash Flow | ROIC % |
|---|---|---|---|---|---|---|
| FY 2025 | $4.00B | 0% | 20.7% | $702.4M | $978.1M | 2.2% |
| FY 2024 | $4.00B | 0% | 13% | $441.2M | $205.3M | 2.5% |
| FY 2023 | $4.00B | 0% | 10.3% | $350.0M | $472.6M | 9.5% |
Red-Light Warning Desk: How Pros Profit When Overhyped Stocks Crack (Featuring UMBF)
- ✓Live walkthrough of UMBF's RQD Radar, SEC cash-conversion gap & downside levels
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UMBF Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +7.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on UMBF today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for UMBF. Explore sector supply chains on /butterfly.
UMBF Investor FAQ & Complete 8-Part Research Index
100% OPEN ACCESS • SEC EDGAR × CBOE × FREDHow profitable is UMB Financial Corporation (UMBF)?
In FY 2025 (10-K), UMBF converted $4.0B of revenue into a 0% gross margin, 0% operating margin, and $978.1M in free cash flow (24.5% FCF margin).