UMBF (UMB Financial) Scaled Net Operating Assets : -0.28 (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 $47,722 Mil. UMB Financial's operating liabilities for the quarter that ended in Mar. 2025 was $61,944 Mil. UMB Financial's Total Assets for the quarter that ended in Dec. 2024 was $50,410 Mil. Therefore, UMB Financial's scaled net operating assets (SNOA) for the quarter that ended in Mar. 2025 was -0.28.

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 )
=	(41850.219	-	46557.831)	/	44011.674
=	-0.11

where

	Operating Assets		(A: Dec. 2024 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	50409.664	-	8559.445
=	41850.219

	Operating Liabilities		(A: Dec. 2024 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	46943.123	-	385.292	-	0
=	46557.831

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 )
=	(47722.337	-	61944.499)	/	50409.664
=	-0.28

where

	Operating Assets		(Q: Mar. 2025 )
=	Total Assets	-	Balance Sheet Cash And Cash Equivalents
=	69347.313	-	21624.976
=	47722.337

	Operating Liabilities		(Q: Mar. 2025 )
=	Total Liabilities	-	Long-Term Debt & Capital Lease Obligation	-	Short-Term Debt & Capital Lease Obligation
=	62598.879	-	654.38	-	0
=	61944.499

* 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.

UMB Financial Scaled Net Operating Assets Related Terms

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UMB Financial Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Financial Services » Banks » UMB Financial Corp (NAS:UMBF) » Definitions » Scaled Net Operating Assets

Comparable Companies

Traded in Other Exchanges

UMB:Germany

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.

Executives

Uma Wilson	officer: Executive Vice President	1010 GRAND BLVD, KANSAS CITY MO 64106
Nikki Farentino Newton	officer: President, Private Wealth Mgmt	1010 GRAND BLVD, KANSAS CITY MO 64106
Tamara Peterman	director	1010 GRAND BLVD, KANSAS CITY MO 64106
Greg M Graves	director	1010 GRAND BLVD, KANSAS CITY MO 64106
J Mariner Kemper	officer: Vice Chairman	1010 GRAND BLVD., KANSAS CITY MO 64106
Kevin Charles Gallagher	director	370 17TH ST, SUITE 5600, DENVER CO 80202
Robert Brian Beaird	officer: Chief Human Resource Officer	1010 GRAND BLVD, KANSAS CITY MO 64106
Thomas S Terry	officer: Chief Lending Officer	1010 GRAND BOULEVARD, KANSAS CITY MO 64106
David Carl Odgers	officer: Chief Accounting Officer	1010 GRAND BLVD, KANSAS CITY MO 64106
James D Rine	officer: Executive Vice President	1010 GRAND BOULEVARD, KANSAS CITY MO 64106
John Pauls	officer: EVP & General Counsel	1010 GRAND BLVD, KANSAS CITY MO 64106
Kris A Robbins	director
Ram Shankar	officer: Chief Financial Officer	1010 GRAND BLVD., KANSAS CITY MO 64106
Phillip James Mason	officer: President, Inst. Banking	1010 GRAND BLVD, KANSAS CITY MO 64106
Stacy H King	officer: Chief Risk Officer	1010 GRAND BLVD, KANSAS CITY MO 64106