UMB Financial Corporation

UMB Financial Corporation

UMBFยทNASDAQ

$126.35

-1.7%
Financial ServicesBanks - Regional

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.

At a Glance

Live Snapshot
Market Cap$9.60B
EPS9.2000
P/E Ratio13.73
Earnings Date08/04/2026
3Y+33.0%
5Y+175.0%
10Y+246.0%
3Y+46.0%
5Y+25.0%
10Y+274.0%
3Y-186.0%
5Y-34.0%
10Y+170.0%
UMBF

UMB Financial Corporation Cash Conversion Engine

UMBF ยท NASDAQ
Net Income702.40M
Depreciation & Amortization141.77M
Stock-Based Compensation37.74M
Change in Working Capital80.16M
Others-18.20M
Capital Expenditures-48.58M
Free Cash Flow978.11M

Cash Flow Quality Analysis

FCF Conversion Rate

139.3%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

4.7%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+386.4%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

+$80.16M

Working capital inflow boosted cash flow. Efficient management of receivables, inventory, and payables contributing positively.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

UMB Financial Corporation Cash Flow Statement

UMBF โ€ข NASDAQ

UMB Financial Corporation Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009Dec 2008Dec 2007Dec 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

SEC Filings

UMBF - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
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
Showing 1 to 10 of 471 filings