Total Debt for UMB Financial (UMBF)
According to UMB Financial's latest reported financial statements, the company's latest reported total debt is $3.80B USD. Total debt is the sum of short-term and long-term interest-bearing borrowings on the balance sheet (notes, bonds, term loans, lease liabilities). Useful for leverage and refinancing risk — combine with cash on hand for net debt, and see total liabilities for the broader obligations picture.
Headline figure above is from the reporting period ending (reported ). Chart and table below cover the full reported history back to .
UMBF
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Latest period
$3.80B
YoY change
+26.9%
5Y CAGR
+8.0%
Peak year (2025)
$3.80B
Latest annual
$3.80B
Total Debt history chart for UMB Financial (UMBF) from 1989 to 2025
Total Debt history table for UMB Financial (UMBF) from 1989 to 2025
| Fiscal year | Period ended | Reported | Total Debt | YoY |
|---|---|---|---|---|
| 2025 | $3.80B | +26.9% | ||
| 2024 | $3.00B | -14.5% | ||
| 2023 | $3.50B | +34.5% | ||
| 2022 | $2.60B | -25.8% | ||
| 2021 | $3.51B | +35.8% | ||
| 2020 | $2.59B | +31.4% | ||
| 2019 | $1.97B | +22.8% | ||
| 2018 | $1.60B | +19.5% | ||
| 2017 | $1.34B | -30.7% | ||
| 2016 | $1.93B | +1.3% | ||
| 2015 | $1.91B | -6.1% | ||
| 2014 | $2.03B | +28.1% | ||
| 2013 | $1.59B | -11.4% | ||
| 2012 | $1.79B | -8.9% | ||
| 2011 | $1.97B | -7.5% | ||
| 2010 | $2.13B | +7.4% | ||
| 2009 | $1.98B | -9.0% | ||
| 2008 | $2.18B | +20.8% | ||
| 2007 | $1.80B | +7.6% | ||
| 2006 | $1.68B | +16.9% | ||
| 2005 | $1.43B | -8.4% | ||
| 2004 | $1.57B | +24.2% | ||
| 2003 | $1.26B | -5.3% | ||
| 2002 | $1.33B | -10.6% | ||
| 2001 | $1.49B | +47.6% | ||
| 2000 | $1.01B | -30.7% | ||
| 1999 | $1.46B | +51.4% | ||
| 1998 | $961.50M | +26.3% | ||
| 1997 | $761.30M | +14.2% | ||
| 1996 | $666.70M | -12.6% | ||
| 1995 | $762.50M | -10.1% | ||
| 1994 | $848.20M | +25.1% | ||
| 1993 | $678.10M | -2.6% | ||
| 1992 | $695.90M | -17.2% | ||
| 1991 | $840.80M | +41.5% | ||
| 1990 | $594.30M | +71.6% | ||
| 1989 | $346.40M | — |
Total Debt values are taken from UMB Financial's reported balance sheets (10-Q quarterly and 10-K annual filings with the U.S. Securities and Exchange Commission). Each row shows the period end date and the date the filing was reported; YoY compares each figure to the same period one year earlier. Amounts are in USD as filed.
Analysis
In 2025, UMB Financial (UMBF) total debt totalled $3.80B – grew 26.9% year-over-year.
Over 2020–2025 (5 years), UMB Financial total debt expanded at a +8.0% compound annual rate, with the latest reading among the more recent periods of the dataset.
Across the available history, total debt reached its high of $3.80B in 2025 and its low of $346.40M in 1989.
UMB Financial (UMBF) sits 9th of 8 Financial Services peers we track on this metric, against a peer median of $395.81B.
UMB Financial Total Debt by Year
UMB Financial Total Debt 2025: $3.80B
UMB Financial total debt in 2025 was $3.80B, grew 26.9% from 2024. This figure represents the highest annual value in the available history.
UMB Financial Total Debt 2024: $3.00B
UMB Financial total debt in 2024 was $3.00B, declined 14.5% below 2023.
UMB Financial Total Debt 2023: $3.50B
UMB Financial total debt in 2023 was $3.50B, surged 34.5% from 2022.
UMB Financial Total Debt 2022: $2.60B
UMB Financial total debt in 2022 was $2.60B, declined 25.8% below 2021.
UMB Financial Total Debt 2021: $3.51B
UMB Financial total debt in 2021 was $3.51B.
See more financial history for UMB Financial (UMBF).
Sector peers — Total Debt
Companies in the same sector as UMB Financial, ranked by their latest total debt.
| Company | Total Debt | Sector |
|---|---|---|
| JPMorgan Chase & Co. (JPM) | $942.38B | Financial Services |
| The Goldman Sachs Group, Inc. (GS) | $609.53B | Financial Services |
| Morgan Stanley (MS) | $475.56B | Financial Services |
| Wells Fargo & Company (WFC) | $425.72B | Financial Services |
| Bank of America Corporation (BAC) | $365.90B | Financial Services |
| Berkshire Hathaway Inc. (BRK-B) | $138.95B | Financial Services |
| Visa Inc. (V) | $25.17B | Financial Services |
| Mastercard Incorporated (MA) | $19.00B | Financial Services |
Frequently asked questions
What is UMB Financial's total debt?
- Latest reported total debt for UMB Financial (UMBF) is $3.80B (period ending December 31, 2025).
How has UMB Financial total debt changed year-over-year?
- UMB Financial (UMBF) total debt changed +26.9% year-over-year on the latest annual filing.
What is the long-term growth rate of UMB Financial total debt?
- UMB Financial (UMBF) total debt compound annual growth rate is +8.0% over the most recent 5 years available.
When did UMB Financial total debt hit its highest annual value?
- UMB Financial total debt reached its highest annual value of $3.80B in 2025.
What was UMB Financial total debt in 2024?
- UMB Financial (UMBF) total debt in 2024 was $3.00B.
What was UMB Financial total debt in 2025?
- UMB Financial (UMBF) total debt in 2025 was $3.80B.
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