UMB Financial (FRA:UMB) Scaled Net Operating Assets : -0.27 (As of Mar. 2025)

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What is UMB Financial Scaled Net Operating Assets?

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

UMB Financial's operating assets for the quarter that ended in Mar. 2025 was €44,143 Mil. UMB Financial's operating liabilities for the quarter that ended in Mar. 2025 was €57,299 Mil. UMB Financial's Total Assets for the quarter that ended in Dec. 2024 was €48,141 Mil. Therefore, UMB Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2025 was -0.27.

UMB Financial Scaled Net Operating Assets Calculation

Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.

UMB Financial's Scaled Net Operating Assets (SNOA) for the fiscal year that ended in Dec. 2024 is calculated as

	Scaled Net Operating Assets (SNOA)		(A: Dec. 2024 )
=	(Operating Assets (A: Dec. 2024 )	-	Operating Liabilities (A: Dec. 2024 ))	/	Total Assets (A: Dec. 2023 )
=	(39966.959	-	44462.728)	/	40358.705
=	-0.11

where

	Operating Assets		(A: Dec. 2024 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	48141.229	-	8174.27
=	39966.959

	Operating Liabilities		(A: Dec. 2024 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	44830.682	-	367.954	-	0
=	44462.728

UMB Financial's Scaled Net Operating Assets (SNOA) for the quarter that ended in Mar. 2025 is calculated as

	Scaled Net Operating Assets (SNOA)		(Q: Mar. 2025 )
=	(Operating Assets (Q: Mar. 2025 )	-	Operating Liabilities (Q: Mar. 2025 ))	/	Total Assets (Q: Dec. 2024 )
=	(44143.162	-	57298.662)	/	48141.229
=	-0.27

where

	Operating Assets		(Q: Mar. 2025 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	64146.265	-	20003.103
=	44143.162

	Operating Liabilities		(Q: Mar. 2025 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	57903.963	-	605.301	-	0
=	57298.662

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

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UMB Financial Business Description

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Traded in Other Exchanges

UMBF:USA

Address

1010 Grand Boulevard, Kansas City, MO, USA, 64106

Website

https://www.umb.com

UMB Financial Corp, or UMBF, is a financial services holding company offering a suite of banking services and asset servicing to its customers in the United States and around the world. Its client base includes commercial, institutional, and personal customers. Along with its subsidiaries, the company operates in the following business segments: Commercial Banking, Institutional Banking, and Personal Banking. A majority of its revenue is generated from the Commercial Banking segment, which serves the commercial banking and treasury management needs of small to middle-market businesses through various products and services such as commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan syndication services, consultative services, and others.