Apple, Inc AAPL
S&P 500 ETF Trust SPDR SPY
Alphabet Inc. - Class A Shares GOOGL
Microsoft Corporation MSFT
Meta Platforms Inc META
Netflix, Inc. NFLX
Amazon.com Inc. AMZN
Spotify Technology SA SPOT

Price related data not available

Analyst Forecast

Overview Returns Financials Ratios News FAQs

Price related data not available

Returns

Time Frame	UMBF	Sector	S&P500
1-Week Return	-0.04%	1.62%	1.15%
1-Month Return	6.14%	5.25%	1.57%
3-Month Return	-0.44%	3.47%	4.04%
6-Month Return	12.02%	7.61%	12.52%
1-Year Return	2.54%	13.48%	14.83%
3-Year Return	44.42%	64.2%	81.12%
5-Year Return	71.92%	91.58%	85.55%
10-Year Return	147.71%	185.97%	237.47%

Time Frame	UMBF	Sector	S&P500
1-Week Return	-2.06%	131.16%	81.52%
1-Month Return	106.47%	86.37%	20.87%
3-Month Return	-1.77%	14.84%	17.42%
6-Month Return	25.88%	16.04%	27.02%
1-Year Return	2.54%	13.48%	14.83%
3-Year Return	13.03%	17.98%	21.90%
5-Year Return	11.45%	13.89%	13.16%
10-Year Return	9.50%	11.08%	12.93%

Financials

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Total Revenue	1.30B	1.24B	1.58B	2.24B	2.64B	[{"date":"2020-12-31","value":49.13,"profit":true},{"date":"2021-12-31","value":47.1,"profit":true},{"date":"2022-12-31","value":60.04,"profit":true},{"date":"2023-12-31","value":85.12,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Cost of Revenue	207.76M	66.00M	261.62M	959.82M	1.23B	[{"date":"2020-12-31","value":16.88,"profit":true},{"date":"2021-12-31","value":5.36,"profit":true},{"date":"2022-12-31","value":21.25,"profit":true},{"date":"2023-12-31","value":77.96,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Gross Profit	1.09B	1.18B	1.32B	1.28B	1.41B	[{"date":"2020-12-31","value":77.37,"profit":true},{"date":"2021-12-31","value":83.65,"profit":true},{"date":"2022-12-31","value":94.01,"profit":true},{"date":"2023-12-31","value":91.38,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Gross Margin	83.96%	94.69%	83.47%	57.24%	53.31%	[{"date":"2020-12-31","value":88.68,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":88.16,"profit":true},{"date":"2023-12-31","value":60.45,"profit":true},{"date":"2024-12-31","value":56.3,"profit":true}]

Operating Expenses	748.84M	746.93M	789.52M	863.07M	864.52M	[{"date":"2020-12-31","value":86.62,"profit":true},{"date":"2021-12-31","value":86.4,"profit":true},{"date":"2022-12-31","value":91.33,"profit":true},{"date":"2023-12-31","value":99.83,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Operating Income	338.89M	429.06M	532.01M	421.60M	541.27M	[{"date":"2020-12-31","value":62.61,"profit":true},{"date":"2021-12-31","value":79.27,"profit":true},{"date":"2022-12-31","value":98.29,"profit":true},{"date":"2023-12-31","value":77.89,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Total Non-Operating Income/Expense	783.62M	798.87M	913.80M	1.34B	(600.40M)	[{"date":"2020-12-31","value":58.4,"profit":true},{"date":"2021-12-31","value":59.54,"profit":true},{"date":"2022-12-31","value":68.11,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":-44.75,"profit":false}]
Pre-Tax Income	338.89M	429.06M	532.01M	421.60M	541.27M	[{"date":"2020-12-31","value":62.61,"profit":true},{"date":"2021-12-31","value":79.27,"profit":true},{"date":"2022-12-31","value":98.29,"profit":true},{"date":"2023-12-31","value":77.89,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Income Taxes	52.39M	76.04M	100.33M	71.58M	100.03M	[{"date":"2020-12-31","value":52.22,"profit":true},{"date":"2021-12-31","value":75.79,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":71.34,"profit":true},{"date":"2024-12-31","value":99.7,"profit":true}]
Income After Taxes	286.50M	353.02M	431.68M	350.02M	441.24M	[{"date":"2020-12-31","value":64.93,"profit":true},{"date":"2021-12-31","value":80.01,"profit":true},{"date":"2022-12-31","value":97.83,"profit":true},{"date":"2023-12-31","value":79.33,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Income From Continuous Operations	286.50M	353.02M	431.68M	350.02M	441.24M	[{"date":"2020-12-31","value":64.93,"profit":true},{"date":"2021-12-31","value":80.01,"profit":true},{"date":"2022-12-31","value":97.83,"profit":true},{"date":"2023-12-31","value":79.33,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Net Income	286.50M	353.02M	431.68M	350.02M	441.24M	[{"date":"2020-12-31","value":64.93,"profit":true},{"date":"2021-12-31","value":80.01,"profit":true},{"date":"2022-12-31","value":97.83,"profit":true},{"date":"2023-12-31","value":79.33,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

EPS (Diluted)	4.10	7.25	8.87	7.18	9.06	[{"date":"2020-12-31","value":45.25,"profit":true},{"date":"2021-12-31","value":80.02,"profit":true},{"date":"2022-12-31","value":97.9,"profit":true},{"date":"2023-12-31","value":79.25,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Total Revenue	-	(4.13%)	27.47%	41.77%	17.49%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":-9.89,"profit":false},{"date":"2022-12-31","value":65.76,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":41.86,"profit":true}]
Cost of Revenue	-	(68.23%)	296.39%	266.87%	28.27%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":-23.02,"profit":false},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":90.04,"profit":true},{"date":"2024-12-31","value":9.54,"profit":true}]
Gross Profit	-	8.11%	12.38%	(2.79%)	9.43%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":65.56,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-22.54,"profit":false},{"date":"2024-12-31","value":76.18,"profit":true}]
Gross Margin	-	12.77%	(11.84%)	(31.43%)	(6.86%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-92.71,"profit":false},{"date":"2023-12-31","value":-246.12,"profit":false},{"date":"2024-12-31","value":-53.7,"profit":false}]

Operating Expenses	-	(0.26%)	5.70%	9.32%	0.17%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":-2.74,"profit":false},{"date":"2022-12-31","value":61.22,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":1.8,"profit":true}]
Operating Income	-	26.61%	23.99%	(20.75%)	28.38%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":93.74,"profit":true},{"date":"2022-12-31","value":84.53,"profit":true},{"date":"2023-12-31","value":-73.11,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]
Total Non-Operating Income/Expense	-	1.95%	14.39%	46.83%	(144.75%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":4.16,"profit":true},{"date":"2022-12-31","value":30.72,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":-309.1,"profit":false}]
Pre-Tax Income	-	26.61%	23.99%	(20.75%)	28.38%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":93.74,"profit":true},{"date":"2022-12-31","value":84.53,"profit":true},{"date":"2023-12-31","value":-73.11,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]
Income Taxes	-	45.15%	31.94%	(28.66%)	39.75%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":70.74,"profit":true},{"date":"2023-12-31","value":-63.47,"profit":false},{"date":"2024-12-31","value":88.04,"profit":true}]
Income After Taxes	-	23.22%	22.28%	(18.92%)	26.06%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":89.09,"profit":true},{"date":"2022-12-31","value":85.51,"profit":true},{"date":"2023-12-31","value":-72.59,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]

Income From Continuous Operations	-	23.22%	22.28%	(18.92%)	26.06%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":89.09,"profit":true},{"date":"2022-12-31","value":85.51,"profit":true},{"date":"2023-12-31","value":-72.59,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Net Income	-	23.22%	22.28%	(18.92%)	26.06%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":89.09,"profit":true},{"date":"2022-12-31","value":85.51,"profit":true},{"date":"2023-12-31","value":-72.59,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]

EPS (Diluted)	-	76.83%	22.34%	(19.05%)	26.18%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":29.08,"profit":true},{"date":"2023-12-31","value":-24.8,"profit":false},{"date":"2024-12-31","value":34.08,"profit":true}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Total Revenue	674.26M	680.22M	850.52M	1.02B	1.49B	[{"date":"2024-09-30","value":45.21,"profit":true},{"date":"2024-12-31","value":45.61,"profit":true},{"date":"2025-03-31","value":57.03,"profit":true},{"date":"2025-06-30","value":68.18,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Cost of Revenue	328.32M	304.99M	426.33M	404.51M	830.84M	[{"date":"2024-09-30","value":39.52,"profit":true},{"date":"2024-12-31","value":36.71,"profit":true},{"date":"2025-03-31","value":51.31,"profit":true},{"date":"2025-06-30","value":48.69,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Gross Profit	345.94M	375.22M	424.19M	612.21M	660.41M	[{"date":"2024-09-30","value":52.38,"profit":true},{"date":"2024-12-31","value":56.82,"profit":true},{"date":"2025-03-31","value":64.23,"profit":true},{"date":"2025-06-30","value":92.7,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Gross Margin	51.31%	55.16%	49.87%	60.21%	44.29%	[{"date":"2024-09-30","value":85.21,"profit":true},{"date":"2024-12-31","value":91.61,"profit":true},{"date":"2025-03-31","value":82.83,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":73.55,"profit":true}]

Operating Expenses	210.28M	230.40M	331.14M	337.17M	423.86M	[{"date":"2024-09-30","value":49.61,"profit":true},{"date":"2024-12-31","value":54.36,"profit":true},{"date":"2025-03-31","value":78.13,"profit":true},{"date":"2025-06-30","value":79.55,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Operating Income	135.66M	144.82M	93.05M	275.04M	236.56M	[{"date":"2024-09-30","value":49.33,"profit":true},{"date":"2024-12-31","value":52.66,"profit":true},{"date":"2025-03-31","value":33.83,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":86.01,"profit":true}]
Total Non-Operating Income/Expense	234.43M	(132.17M)	349.51M	835.12M	1.08B	[{"date":"2024-09-30","value":21.71,"profit":true},{"date":"2024-12-31","value":-12.24,"profit":false},{"date":"2025-03-31","value":32.37,"profit":true},{"date":"2025-06-30","value":77.35,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Pre-Tax Income	135.66M	144.82M	93.05M	275.04M	236.56M	[{"date":"2024-09-30","value":49.33,"profit":true},{"date":"2024-12-31","value":52.66,"profit":true},{"date":"2025-03-31","value":33.83,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":86.01,"profit":true}]
Income Taxes	26.02M	24.83M	11.72M	57.65M	48.24M	[{"date":"2024-09-30","value":45.14,"profit":true},{"date":"2024-12-31","value":43.07,"profit":true},{"date":"2025-03-31","value":20.33,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":83.68,"profit":true}]
Income After Taxes	109.64M	120.00M	81.33M	217.39M	188.32M	[{"date":"2024-09-30","value":50.44,"profit":true},{"date":"2024-12-31","value":55.2,"profit":true},{"date":"2025-03-31","value":37.41,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":86.62,"profit":true}]

Income From Continuous Operations	109.64M	120.00M	81.33M	217.39M	188.32M	[{"date":"2024-09-30","value":50.44,"profit":true},{"date":"2024-12-31","value":55.2,"profit":true},{"date":"2025-03-31","value":37.41,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":86.62,"profit":true}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":"-","profit":true},{"date":"2025-06-30","value":"-","profit":true},{"date":"2025-09-30","value":"-","profit":true}]
Net Income	109.64M	120.00M	81.33M	217.39M	188.32M	[{"date":"2024-09-30","value":50.44,"profit":true},{"date":"2024-12-31","value":55.2,"profit":true},{"date":"2025-03-31","value":37.41,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":86.62,"profit":true}]

EPS (Diluted)	2.25	2.49	2.58	2.96	2.70	[{"date":"2024-09-30","value":76.01,"profit":true},{"date":"2024-12-31","value":84.12,"profit":true},{"date":"2025-03-31","value":87.16,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":91.22,"profit":true}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Total Revenue	-	0.88%	25.04%	19.54%	46.67%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":1.89,"profit":true},{"date":"2025-03-31","value":53.64,"profit":true},{"date":"2025-06-30","value":41.87,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Cost of Revenue	-	(7.10%)	39.78%	(5.12%)	105.39%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-6.74,"profit":false},{"date":"2025-03-31","value":37.75,"profit":true},{"date":"2025-06-30","value":-4.86,"profit":false},{"date":"2025-09-30","value":100,"profit":true}]
Gross Profit	-	8.46%	13.05%	44.32%	7.87%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":19.1,"profit":true},{"date":"2025-03-31","value":29.44,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":17.76,"profit":true}]
Gross Margin	-	7.51%	(9.59%)	20.73%	(26.45%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":36.25,"profit":true},{"date":"2025-03-31","value":-46.24,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-127.6,"profit":false}]

Operating Expenses	-	9.57%	43.73%	1.82%	25.71%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":21.89,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":4.16,"profit":true},{"date":"2025-09-30","value":58.8,"profit":true}]
Operating Income	-	6.75%	(35.75%)	195.58%	(13.99%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":3.45,"profit":true},{"date":"2025-03-31","value":-18.28,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-7.15,"profit":false}]
Total Non-Operating Income/Expense	-	(156.38%)	(364.43%)	138.94%	29.29%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-112.55,"profit":false},{"date":"2025-03-31","value":-262.29,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":21.08,"profit":true}]
Pre-Tax Income	-	6.75%	(35.75%)	195.58%	(13.99%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":3.45,"profit":true},{"date":"2025-03-31","value":-18.28,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-7.15,"profit":false}]
Income Taxes	-	(4.59%)	(52.81%)	391.99%	(16.32%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-1.17,"profit":false},{"date":"2025-03-31","value":-13.47,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-4.16,"profit":false}]
Income After Taxes	-	9.44%	(32.22%)	167.29%	(13.38%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":5.64,"profit":true},{"date":"2025-03-31","value":-19.26,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-8,"profit":false}]

Income From Continuous Operations	-	9.44%	(32.22%)	167.29%	(13.38%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":5.64,"profit":true},{"date":"2025-03-31","value":-19.26,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-8,"profit":false}]
Income From Discontinued Operations	-	-	-	-	-	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":"-","profit":true},{"date":"2025-06-30","value":"-","profit":true},{"date":"2025-09-30","value":"-","profit":true}]
Net Income	-	9.44%	(32.22%)	167.29%	(13.38%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":5.64,"profit":true},{"date":"2025-03-31","value":-19.26,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-8,"profit":false}]

EPS (Diluted)	-	10.67%	3.61%	14.73%	(8.78%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":72.42,"profit":true},{"date":"2025-03-31","value":24.54,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-59.64,"profit":false}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Total Assets
Current Assets	12.98B	21.36B	420.00K	13.20B	16.76B	[{"date":"2020-12-31","value":60.76,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":61.77,"profit":true},{"date":"2024-12-31","value":78.45,"profit":true}]
Non-current Assets	11.14B	14.27B	549.76M	30.82B	33.65B	[{"date":"2020-12-31","value":33.1,"profit":true},{"date":"2021-12-31","value":42.42,"profit":true},{"date":"2022-12-31","value":1.63,"profit":true},{"date":"2023-12-31","value":91.58,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Total Assets	33.13B	42.69B	38.51B	44.01B	50.41B	[{"date":"2020-12-31","value":65.72,"profit":true},{"date":"2021-12-31","value":84.69,"profit":true},{"date":"2022-12-31","value":76.4,"profit":true},{"date":"2023-12-31","value":87.31,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Total Liabilities
Current Liabilities	12.21B	19.59B	16.31B	39.30B	46.12B	[{"date":"2020-12-31","value":26.46,"profit":true},{"date":"2021-12-31","value":42.48,"profit":true},{"date":"2022-12-31","value":35.36,"profit":true},{"date":"2023-12-31","value":85.22,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Non-current Liabilities	269.60M	271.54M	381.31M	1.61B	822.92M	[{"date":"2020-12-31","value":16.76,"profit":true},{"date":"2021-12-31","value":16.88,"profit":true},{"date":"2022-12-31","value":23.7,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":51.15,"profit":true}]
Total Liabilities	269.60M	271.54M	381.31M	40.91B	46.94B	[{"date":"2020-12-31","value":0.57,"profit":true},{"date":"2021-12-31","value":0.58,"profit":true},{"date":"2022-12-31","value":0.81,"profit":true},{"date":"2023-12-31","value":87.15,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Total Shareholders' equity
Common Stock	55.06M	55.06M	55.06M	55.06M	55.06M	[{"date":"2020-12-31","value":100,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Retained Earnings	1.89B	2.18B	2.54B	2.81B	3.17B	[{"date":"2020-12-31","value":59.57,"profit":true},{"date":"2021-12-31","value":68.57,"profit":true},{"date":"2022-12-31","value":79.88,"profit":true},{"date":"2023-12-31","value":88.53,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Other Stockholders' Equity	752.30M	787.05M	778.68M	791.47M	809.59M	[{"date":"2020-12-31","value":92.92,"profit":true},{"date":"2021-12-31","value":97.22,"profit":true},{"date":"2022-12-31","value":96.18,"profit":true},{"date":"2023-12-31","value":97.76,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]
Total Shareholders' equity	3.02B	3.15B	2.67B	3.10B	3.47B	[{"date":"2020-12-31","value":87.03,"profit":true},{"date":"2021-12-31","value":90.74,"profit":true},{"date":"2022-12-31","value":76.94,"profit":true},{"date":"2023-12-31","value":89.44,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

Total Liabilities & Shareholders Equity	3.29B	3.42B	3.05B	44.01B	50.41B	[{"date":"2020-12-31","value":6.52,"profit":true},{"date":"2021-12-31","value":6.78,"profit":true},{"date":"2022-12-31","value":6.05,"profit":true},{"date":"2023-12-31","value":87.31,"profit":true},{"date":"2024-12-31","value":100,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Total Assets
Current Assets	-	64.58%	(100.00%)	3141632.86%	27.01%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Non-current Assets	-	28.16%	(96.15%)	5505.45%	9.20%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":0.51,"profit":true},{"date":"2022-12-31","value":-1.75,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":0.17,"profit":true}]
Total Assets	-	28.88%	(9.79%)	14.28%	14.54%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-33.91,"profit":false},{"date":"2023-12-31","value":49.45,"profit":true},{"date":"2024-12-31","value":50.34,"profit":true}]

Total Liabilities
Current Liabilities	-	60.52%	(16.77%)	141.00%	17.35%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":42.92,"profit":true},{"date":"2022-12-31","value":-11.89,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":12.3,"profit":true}]
Non-current Liabilities	-	0.72%	40.42%	321.94%	(48.85%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":0.22,"profit":true},{"date":"2022-12-31","value":12.56,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":-15.17,"profit":false}]
Total Liabilities	-	0.72%	40.42%	10629.10%	14.74%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":0.01,"profit":true},{"date":"2022-12-31","value":0.38,"profit":true},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":0.14,"profit":true}]

Total Shareholders' equity
Common Stock	-	-	-	-	-	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":"-","profit":true},{"date":"2022-12-31","value":"-","profit":true},{"date":"2023-12-31","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true}]
Retained Earnings	-	15.11%	16.49%	10.83%	12.95%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":91.6,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":65.68,"profit":true},{"date":"2024-12-31","value":78.54,"profit":true}]
Other Stockholders' Equity	-	4.62%	(1.06%)	1.64%	2.29%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-23.02,"profit":false},{"date":"2023-12-31","value":35.55,"profit":true},{"date":"2024-12-31","value":49.54,"profit":true}]
Total Shareholders' equity	-	4.26%	(15.21%)	16.25%	11.81%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":26.21,"profit":true},{"date":"2022-12-31","value":-93.6,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":72.68,"profit":true}]

Total Liabilities & Shareholders Equity	-	3.97%	(10.79%)	1343.76%	14.54%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":0.3,"profit":true},{"date":"2022-12-31","value":-0.8,"profit":false},{"date":"2023-12-31","value":100,"profit":true},{"date":"2024-12-31","value":1.08,"profit":true}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Total Assets
Current Assets	14.82B	16.76B	22.10B	11.88B	17.81B	[{"date":"2024-09-30","value":67.06,"profit":true},{"date":"2024-12-31","value":75.84,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":53.78,"profit":true},{"date":"2025-09-30","value":80.61,"profit":true}]
Non-current Assets	32.68B	33.65B	47.25B	59.88B	54.07B	[{"date":"2024-09-30","value":54.58,"profit":true},{"date":"2024-12-31","value":56.2,"profit":true},{"date":"2025-03-31","value":78.91,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":90.3,"profit":true}]
Total Assets	47.50B	50.41B	69.35B	71.76B	71.88B	[{"date":"2024-09-30","value":66.08,"profit":true},{"date":"2024-12-31","value":70.13,"profit":true},{"date":"2025-03-31","value":96.47,"profit":true},{"date":"2025-06-30","value":99.83,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]

Total Liabilities
Current Liabilities	42.36B	46.12B	61.43B	63.31B	63.43B	[{"date":"2024-09-30","value":66.79,"profit":true},{"date":"2024-12-31","value":72.71,"profit":true},{"date":"2025-03-31","value":96.86,"profit":true},{"date":"2025-06-30","value":99.81,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Non-current Liabilities	1.60B	822.92M	1.17B	1.17B	1.01B	[{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":51.5,"profit":true},{"date":"2025-03-31","value":72.95,"profit":true},{"date":"2025-06-30","value":72.92,"profit":true},{"date":"2025-09-30","value":63.17,"profit":true}]
Total Liabilities	43.96B	46.94B	62.60B	64.47B	64.44B	[{"date":"2024-09-30","value":68.18,"profit":true},{"date":"2024-12-31","value":72.81,"profit":true},{"date":"2025-03-31","value":97.09,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":99.94,"profit":true}]

Total Shareholders' equity
Common Stock	55.06M	55.06M	78.67M	78.67M	78.67M	[{"date":"2024-09-30","value":69.99,"profit":true},{"date":"2024-12-31","value":69.99,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Retained Earnings	3.07B	3.17B	3.22B	3.41B	3.56B	[{"date":"2024-09-30","value":86.37,"profit":true},{"date":"2024-12-31","value":89.19,"profit":true},{"date":"2025-03-31","value":90.59,"profit":true},{"date":"2025-06-30","value":95.79,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Other Stockholders' Equity	801.67M	809.59M	3.83B	3.83B	3.84B	[{"date":"2024-09-30","value":20.9,"profit":true},{"date":"2024-12-31","value":21.1,"profit":true},{"date":"2025-03-31","value":99.75,"profit":true},{"date":"2025-06-30","value":99.96,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]
Total Shareholders' equity	3.54B	3.47B	6.75B	7.29B	7.44B	[{"date":"2024-09-30","value":47.49,"profit":true},{"date":"2024-12-31","value":46.57,"profit":true},{"date":"2025-03-31","value":90.66,"profit":true},{"date":"2025-06-30","value":97.87,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]

Total Liabilities & Shareholders Equity	47.50B	50.41B	69.35B	71.76B	71.88B	[{"date":"2024-09-30","value":66.08,"profit":true},{"date":"2024-12-31","value":70.13,"profit":true},{"date":"2025-03-31","value":96.47,"profit":true},{"date":"2025-06-30","value":99.83,"profit":true},{"date":"2025-09-30","value":100,"profit":true}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Total Assets
Current Assets	-	13.09%	31.85%	(46.22%)	49.88%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":26.25,"profit":true},{"date":"2025-03-31","value":63.85,"profit":true},{"date":"2025-06-30","value":-92.66,"profit":false},{"date":"2025-09-30","value":100,"profit":true}]
Non-current Assets	-	2.98%	40.42%	26.72%	(9.70%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":7.37,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":66.11,"profit":true},{"date":"2025-09-30","value":-23.99,"profit":false}]
Total Assets	-	6.13%	37.57%	3.48%	0.17%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":16.33,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":9.26,"profit":true},{"date":"2025-09-30","value":0.45,"profit":true}]

Total Liabilities
Current Liabilities	-	8.87%	33.20%	3.05%	0.19%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":26.71,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":9.2,"profit":true},{"date":"2025-09-30","value":0.56,"profit":true}]
Non-current Liabilities	-	(48.50%)	41.64%	(0.04%)	(13.37%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-116.47,"profit":false},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":-0.1,"profit":false},{"date":"2025-09-30","value":-32.1,"profit":false}]
Total Liabilities	-	6.78%	33.35%	3.00%	(0.06%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":20.34,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":8.98,"profit":true},{"date":"2025-09-30","value":-0.17,"profit":false}]

Total Shareholders' equity
Common Stock	-	-	42.88%	-	-	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":"-","profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":"-","profit":true},{"date":"2025-09-30","value":"-","profit":true}]
Retained Earnings	-	3.26%	1.57%	5.73%	4.40%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":56.93,"profit":true},{"date":"2025-03-31","value":27.43,"profit":true},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":76.76,"profit":true}]
Other Stockholders' Equity	-	0.99%	372.70%	0.20%	0.04%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":0.26,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":0.05,"profit":true},{"date":"2025-09-30","value":0.01,"profit":true}]
Total Shareholders' equity	-	(1.95%)	94.67%	7.96%	2.17%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-2.06,"profit":false},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":8.41,"profit":true},{"date":"2025-09-30","value":2.29,"profit":true}]

Total Liabilities & Shareholders Equity	-	6.13%	37.57%	3.48%	0.17%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":16.33,"profit":true},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":9.26,"profit":true},{"date":"2025-09-30","value":0.45,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Operating Activities
Net Operating Cash Flow	373.60M	534.08M	769.55M	472.60M	225.29M	[{"date":"2020-12-31","value":48.55,"profit":true},{"date":"2021-12-31","value":69.4,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":61.41,"profit":true},{"date":"2024-12-31","value":29.27,"profit":true}]

Investing Activities
Net Investing Cash Flow	(4.49B)	(4.24B)	(3.85B)	(1.27B)	(3.26B)	[{"date":"2020-12-31","value":-449108700000,"profit":false},{"date":"2021-12-31","value":-423549000000,"profit":false},{"date":"2022-12-31","value":-384538500000,"profit":false},{"date":"2023-12-31","value":-127327200000,"profit":false},{"date":"2024-12-31","value":-326250100000,"profit":false}]

Financing Activities
Net Financing Cash Flow	5.95B	9.42B	(4.58B)	4.77B	5.96B	[{"date":"2020-12-31","value":63.13,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-48.64,"profit":false},{"date":"2023-12-31","value":50.66,"profit":true},{"date":"2024-12-31","value":63.26,"profit":true}]

Net Change in Cash	1.83B	5.72B	(7.66B)	3.97B	2.92B	[{"date":"2020-12-31","value":31.98,"profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-133.93,"profit":false},{"date":"2023-12-31","value":69.45,"profit":true},{"date":"2024-12-31","value":51.08,"profit":true}]

Free Cash Flow
Free Cash Flow	313.38M	500.39M	717.84M	445.69M	201.08M	[{"date":"2020-12-31","value":43.66,"profit":true},{"date":"2021-12-31","value":69.71,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":62.09,"profit":true},{"date":"2024-12-31","value":28.01,"profit":true}]

	Dec '20	Dec '21	Dec '22	Dec '23	Dec '24	5YR TREND
Operating Activities
Net Operating Cash Flow	-	42.96%	44.09%	(38.59%)	(52.33%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":97.43,"profit":true},{"date":"2022-12-31","value":100,"profit":true},{"date":"2023-12-31","value":-87.52,"profit":false},{"date":"2024-12-31","value":-118.69,"profit":false}]

Investing Activities
Net Investing Cash Flow	-	(5.69%)	(9.21%)	(66.89%)	156.23%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":-3.64,"profit":false},{"date":"2022-12-31","value":-5.9,"profit":false},{"date":"2023-12-31","value":-42.81,"profit":false},{"date":"2024-12-31","value":100,"profit":true}]

Financing Activities
Net Financing Cash Flow	-	58.40%	(148.64%)	(204.15%)	24.87%	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-254.51,"profit":false},{"date":"2023-12-31","value":-349.56,"profit":false},{"date":"2024-12-31","value":42.59,"profit":true}]

Net Change in Cash	-	212.68%	(233.93%)	(151.86%)	(26.44%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":-109.99,"profit":false},{"date":"2023-12-31","value":-71.4,"profit":false},{"date":"2024-12-31","value":-12.43,"profit":false}]

Free Cash Flow
Free Cash Flow	-	59.68%	43.45%	(37.91%)	(54.88%)	[{"date":"2020-12-31","value":"-","profit":true},{"date":"2021-12-31","value":100,"profit":true},{"date":"2022-12-31","value":72.82,"profit":true},{"date":"2023-12-31","value":-63.53,"profit":false},{"date":"2024-12-31","value":-91.97,"profit":false}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Operating Activities
Net Operating Cash Flow	123.65M	(66.87M)	363.02M	285.39M	272.21M	[{"date":"2024-09-30","value":34.06,"profit":true},{"date":"2024-12-31","value":-18.42,"profit":false},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":78.61,"profit":true},{"date":"2025-09-30","value":74.98,"profit":true}]

Investing Activities
Net Investing Cash Flow	(588.30M)	(1.72B)	663.20M	(2.00B)	(2.14B)	[{"date":"2024-09-30","value":-88.71,"profit":false},{"date":"2024-12-31","value":-259.11,"profit":false},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":-301.25,"profit":false},{"date":"2025-09-30","value":-323.12,"profit":false}]

Financing Activities
Net Financing Cash Flow	2.73B	2.96B	1.14B	2.10B	(283.74M)	[{"date":"2024-09-30","value":92.16,"profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-03-31","value":38.39,"profit":true},{"date":"2025-06-30","value":70.95,"profit":true},{"date":"2025-09-30","value":-9.59,"profit":false}]

Net Change in Cash	2.26B	1.17B	2.16B	385.82M	(2.15B)	[{"date":"2024-09-30","value":100,"profit":true},{"date":"2024-12-31","value":51.84,"profit":true},{"date":"2025-03-31","value":95.61,"profit":true},{"date":"2025-06-30","value":17.07,"profit":true},{"date":"2025-09-30","value":-95.3,"profit":false}]

Free Cash Flow
Free Cash Flow	117.69M	(77.05M)	354.20M	270.78M	257.81M	[{"date":"2024-09-30","value":33.23,"profit":true},{"date":"2024-12-31","value":-21.75,"profit":false},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":76.45,"profit":true},{"date":"2025-09-30","value":72.79,"profit":true}]

	Sep '24	Dec '24	Mar '25	Jun '25	Sep '25	TREND
Operating Activities
Net Operating Cash Flow	-	(154.08%)	(642.87%)	(21.39%)	(4.62%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-03-31","value":null,"profit":false},{"date":"2025-06-30","value":null,"profit":false},{"date":"2025-09-30","value":null,"profit":false}]

Investing Activities
Net Investing Cash Flow	-	192.11%	(138.59%)	(401.25%)	7.26%	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":100,"profit":true},{"date":"2025-03-31","value":-72.14,"profit":false},{"date":"2025-06-30","value":-208.87,"profit":false},{"date":"2025-09-30","value":3.78,"profit":true}]

Financing Activities
Net Financing Cash Flow	-	8.51%	(61.61%)	84.85%	(113.52%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":10.03,"profit":true},{"date":"2025-03-31","value":-72.62,"profit":false},{"date":"2025-06-30","value":100,"profit":true},{"date":"2025-09-30","value":-133.79,"profit":false}]

Net Change in Cash	-	(48.16%)	84.43%	(82.15%)	(658.41%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":-57.04,"profit":false},{"date":"2025-03-31","value":100,"profit":true},{"date":"2025-06-30","value":-97.3,"profit":false},{"date":"2025-09-30","value":-779.84,"profit":false}]

Free Cash Flow
Free Cash Flow	-	(165.47%)	(559.69%)	(23.55%)	(4.79%)	[{"date":"2024-09-30","value":"-","profit":true},{"date":"2024-12-31","value":null,"profit":false},{"date":"2025-03-31","value":null,"profit":false},{"date":"2025-06-30","value":null,"profit":false},{"date":"2025-09-30","value":null,"profit":false}]

Ratios

Liquidity

These ratios help you determine the liquidity of the company. Higher is better.

	UMBF
Cash Ratio	0.27
Current Ratio	0.28

Asset Efficiency

These ratios help you understand the company's efficiency in using its assets to generate returns. Higher is better. For ROE, average long term is around 14%, less than 10% is poor.