$126.35
-1.7%UMB Financial Corporation operates as the bank holding company for the UMB Bank that provides various banking and other financial services. The Commercial Banking segment provides commercial loans and credit card; commercial real estate financing; letters of credit; loan syndication, and consultative service; various business solutions including asset-based lending, accounts receivable financing, mezzanine debt, and minority equity investment; and treasury management service, such as depository service, account reconciliation, cash management tool, accounts payable and receivable solution, electronic fund transfer and automated payment, controlled disbursement, lockbox service, and remote deposit capture service. The Institutional Banking segment offers asset management and healthcare service provided to institutional client; and fund administration and accounting, investor service and transfer agency, marketing and distribution, custody, alternative investment service, fixed income sale, trading and underwriting, and corporate trust and escrow service, as well as institutional custody service. This segment also provides healthcare payment solution includes custodial service for health saving accounts and private label, multipurpose debit cards to insurance carriers, third-party administrator, software companies, employers, and financial institutions. The Personal Banking segment offers deposit account, retail credit card, private banking, installment loan, home equity line of credit, residential mortgage, and small business loan, as well as internet banking, ATM network, private banking, brokerage and insurance service, and advisory and trust service. It operates through a network of branches and offices in the states of Missouri, Kansas, Colorado, Illinois, Oklahoma, Texas, Arizona, Nebraska, Iowa, Pennsylvania, South Dakota, Indiana, Utah, Minnesota, California, and Wisconsin. The company was founded in 1913 and is headquartered in Kansas City, Missouri.
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.
Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.
Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.
UMBF โข NASDAQ
| UMB Financial Corporation Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
702.4M | 441.2M | 350M | 431.7M | 353M | 286.5M | 243.6M | 195.5M | 247.1M | 158.8M | 116.1M | 120.7M | 134M | 122.7M | 106.5M | 91M | 89.5M | 98.1M | 74.2M | 59.8M | |
141.8M | 52.8M | 58.7M | 54M | 55.7M | 62.8M | 56.3M | 53.1M | 54.9M | 54.6M | 52.8M | 46.4M | 44.2M | 40.8M | 42.9M | 39.4M | 38.1M | 37.7M | 37.4M | 33.7M | |
82.8M | -16.2M | -20.4M | -6.3M | -12.7M | -4.8M | -153K | -20.3M | 59.7M | 2.8M | -4.8M | -11.5M | -5.1M | 3.7M | -197K | -13.2M | -6M | -5M | 1.3M | -569K | |
37.7M | 22.6M | 18.7M | 21.5M | 21.2M | 15.1M | 14.9M | 11.1M | 13.3M | 11.7M | 10.8M | 9.7M | 8.4M | 7.2M | 6.5M | 6M | 5.3M | 4.2M | 3.4M | 0.0 | |
-18.2M | 87.1M | 81.4M | 36.7M | 61.8M | 65.4M | 75.4M | 100.2M | -23.7M | 59.4M | 70.8M | 61.3M | 71.5M | 55.5M | 39.9M | 53.7M | 53M | 14.4M | 5.8M | 42.5M | |
(63.2M) | (76.9M) | (79.3M) | (102M) | (92.6M) | (34.1M) | (2.2M) | (63.1M) | (45.7M) | (44.1M) | (47.1M) | (61.2M) | (46.4M) | (44.1M) | -41M | (48.1M) | (35.2M) | (45.5M) | (31.6M) | (0.0) | |
80.2M | -362.3M | -15.8M | 232M | 55M | -51.4M | -50.1M | -44M | -24.8M | 9.2M | -33.6M | 19.2M | 42.2M | -6.2M | 17.4M | 3M | -33.3M | -15.4M | 9.2M | -6.6M | |
1B | 225.3M | 472.6M | 769.6M | 534.1M | 373.6M | 339.9M | 295.7M | 326.5M | 296.4M | 211M | 245.7M | 295.2M | 223.7M | 213M | 179.8M | 146.7M | 134M | 131.3M | 128.8M | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-48.6M | -24.2M | -26.9M | -51.7M | -33.7M | -60.2M | -72.3M | -57.9M | -36.4M | -50.8M | -53.8M | -44.8M | -38.3M | -44M | -35.6M | -32.6M | -23.4M | -20.6M | -27.9M | -39.8M | |
(169.3M) | -109M | -793K | (548.6M) | (18.4M) | (24K) | -18.5M | -8.9M | (164.6M) | (0.0) | (95.4M) | -18.2M | (26.1M) | (17.6M) | -8.1M | -159.2M | -48.5M | -47.1M | -785K | -43.3M | |
-5.4B | -8.4B | -1.8B | -2.3B | -5.8B | -4.6B | -2.5B | -1.5B | -1.8B | -3B | -2.4B | -2B | -2.4B | -3.6B | -3B | -3.4B | -3.4B | -4.7B | -1.9B | -8.6B | |
3B | 8B | 2B | 1.6B | 2.4B | 3B | 1.9B | 1.2B | 1.9B | 2.8B | 2.2B | 1.8B | 2.2B | 2.7B | 2.6B | 2.7B | 3.3B | 3.3B | 1.8B | 8.4B | |
-3.3B | -2.7B | -1.4B | -3.7B | -772.7M | -2.9B | -2.2B | -1.4B | -649.4M | -1.2B | -1.2B | -1.2B | -849.7M | -631.6M | -217.8M | -3.5M | -200.6M | -21M | -34.6M | -205.4M | |
-5.6B | -3.3B | -1.3B | -3.8B | -4.2B | -4.5B | -3B | -1.7B | -478.6M | -1.5B | -1.3B | -1.4B | -1B | -1.5B | -722.4M | -979.2M | -363.7M | -1.5B | -154.4M | -514.5M | |
FINANCING ACTIVITIES | ||||||||||||||||||||
103.8M | -7.7M | -8.4M | -32M | -5.5M | -58.6M | -4.5M | -76.5M | -15.3M | -16.4M | -8.5M | -5.7M | 227.9M | -20.4M | -9.1M | -8.9M | -26.9M | -23.4M | -43.3M | -28.5M | |
-200M | -1.8B | 1.8B | 110M | 922.9M | 616.7M | 0.0 | 0.0 | 1.5M | -15.2M | -120.4M | 3.6M | -717K | -12.7M | -25.6M | -10.9M | 3.2M | -18.1M | 13.9M | 232.2M | |
-135.6M | -77.1M | -74.2M | -72M | -66.8M | -60.3M | -59.4M | -58.3M | -51.9M | -49M | -46M | -41.4M | -36.2M | -33.8M | -31.8M | -30.3M | -28.8M | -26.8M | -29.3M | -21.8M | |
-132.6M | -7.7M | -8.4M | -32M | -5.5M | -63.8M | -4.5M | -76.5M | -15.3M | -16.4M | -8.5M | -5.7M | -3.5M | -20.4M | -9.1M | -8.9M | -26.9M | -23.4M | -43.3M | -29.6M | |
4B | 7.8B | 3.1B | -4.6B | 8.6B | 5.4B | 2.7B | 1.5B | 870M | 1.5B | 325.1M | 433.6M | 1.8B | 1.3B | 1B | 653.3M | 611.5M | 1.5B | 357.2M | 135.4M | |
3.9B | 6B | 4.8B | -4.6B | 9.4B | 5.9B | 2.6B | 1.4B | 804.3M | 1.5B | 151.2M | 390.1M | 1.9B | 1.2B | 935.3M | 603.2M | 559M | 1.4B | 298.5M | 317.3M | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-676.7M | 2.9B | 4B | -7.7B | 5.7B | 1.8B | -5M | -42.1M | 652.3M | 244.9M | -968.1M | -795.2M | 1.2B | -93.2M | 426M | -196M | 342.1M | 81M | 275.4M | -68.4M | |
8.4B | 5.5B | 1.6B | 9.2B | 3.5B | 1.7B | 1.7B | 1.7B | 1.1B | 819.1M | 1.8B | 2.6B | 1.4B | 1.5B | 1B | 1.2B | 887.6M | 806.6M | 531.2M | 599.6M | |
7.8B | 8.4B | 5.5B | 1.6B | 9.2B | 3.5B | 1.7B | 1.7B | 1.7B | 1.1B | 819.1M | 1.8B | 2.6B | 1.4B | 1.5B | 1B | 1.2B | 887.6M | 806.6M | 531.2M | |
978.1M | 201.1M | 445.7M | 717.8M | 500.4M | 313.4M | 267.6M | 237.8M | 290.1M | 245.6M | 157.2M | 199M | 256.9M | 179.7M | 177.5M | 147.4M | 123.3M | 113.4M | 103.9M | 89.1M |
UMBF - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | April 30, 2026 | April 28, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | April 30, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 28, 2026 | April 28, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 12, 2026 | April 28, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 26, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | February 10, 2026 | February 09, 2026 | 2026 | |
8-K 8-K 2026 N/A | January 27, 2026 | January 27, 2026 | 2026 | |
10-Q 10-Q 2025 Q3 Q3 | October 30, 2025 | September 30, 2025 | 2025 | |
8-K 8-K 2025 N/A | October 28, 2025 | October 28, 2025 | 2025 | |
8-K 8-K 2025 N/A | August 27, 2025 | August 27, 2025 | 2025 |
Continue your UMBF research with focused valuation guides.
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.