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UMB Financial UMBF Bank — Interest Income Expense Net

Discontinued — last reported Q4 '17

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Other financials

Income statement

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Revenue$739.2M+31.1%
Net income$261.4M+221%
EPS (diluted)$3.35+177%

Balance sheet

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Total debt$477.2M-27.1%
Total equity$7.8B+16.0%
Total assets$72.7B+4.8%

Cash flow

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Operating cash flow$361.3M-0.5%
CapEx$4.5M-48.8%
Free cash flow$356.8M+0.7%

Valuation

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Market cap$10.11B+16.9%
P/E11.5×-9.5×
P/S3.6×-1.2×

Profitability

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Net margin31.2%+8.2pp
FCF margin34.7%

Returns & leverage

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Return on equity12.1%+3.8pp
Debt / equity0.1×0.0×

Where this comes from

Reported directly by UMB Financial in its filing.

Tagged under the XBRL concept us-gaap:InterestIncomeExpenseNet.

The official record: UMB Financial’s 10-K, filed February 22, 2018, on SEC EDGAR. View the filing →

Questions, answered.

What does bank — interest income expense net mean?
The net profit generated by the bank from the difference between interest earned on assets and interest paid on liabilities.
How do you interpret bank — interest income expense net?
An increase suggests improved net interest margin or asset growth, while a decrease signals margin compression or rising funding costs.
How does bank — interest income expense net compare across companies?
Equivalent to Net Interest Income (NII) reported by all commercial banking peers.