UMB Financial Corporation (UMBF)

UMB Financial Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Operating Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	1,032	702.4	441.24	350.02	431.68	353.02
Depreciation & Amortization	142.29	141.77	52.77	58.72	54.02	55.75
Other Amortization	0.43	0.75	0.88	0.88	0.56	0.45
Gain (Loss) on Sale of Assets	2.74	0.11	-3.2	-4.34	-3.06	-2.67
Gain (Loss) on Sale of Investments	-211.86	-180.48	37.18	46.24	-11.92	48.95
Provision for Credit Losses	111	154.5	61.05	41.23	37.9	20
Net Decrease (Increase) in Loans Originated / Sold - Operating	3.06	3.47	3.94	-0.75	0.49	10.56
Accrued Interest Receivable	-14.46	-29.27	-24.59	-31.08	-58.22	4.59
Change in Other Net Operating Assets	21.75	109.42	-337.67	15.24	290.22	50.42
Other Operating Activities	61.48	89.03	-26.61	-20.55	7.59	-23.05
Operating Cash Flow	1,187	1,027	225.29	472.6	769.55	534.08
Operating Cash Flow Growth	39.04%	355.73%	-52.33%	-38.59%	44.09%	42.96%

Investing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Capital Expenditures	-45.29	-48.58	-20.01	-23.1	-51.72	-33.69
Sale of Property, Plant and Equipment	-	-	-	-	6.73	3.9
Cash Acquisitions	-	-	-109.05	-0.79	-	-
Investment in Securities	-490	-1,452	-418.21	199.5	-654.63	-3,440
Divestitures	-0.87	169.26	-	-	548.62	18.43
Net Decrease (Increase) in Loans Originated / Sold - Investing	-4,751	-3,252	-2,416	-2,159	-3,952	-1,118
Other Investing Activities	-223.65	-1,037	-299.66	710.25	257.76	333.98
Investing Cash Flow	-5,511	-5,620	-3,263	-1,273	-3,845	-4,235

Financing Activities

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Short-Term Debt Issued	-	692.59	990.07	32,856	-	922.94
Long-Term Debt Issued	-	-	-	-	110	-
Total Debt Issued	486.34	692.59	990.07	32,856	110	922.94
Short-Term Debt Repaid	-	-	-2,300	-31,159	-1,016	-
Long-Term Debt Repaid	-	-200	-	-	-	-
Total Debt Repaid	-237.63	-200	-2,300	-31,159	-1,016	-
Net Debt Issued (Repaid)	248.71	492.59	-1,310	1,697	-906.27	922.94
Issuance of Common Stock	1.74	236.45	4.69	2.46	2.14	19.05
Repurchase of Common Stock	-37.98	-17.63	-7.74	-8.37	-32	-5.51
Preferred Stock Issued	-	294.07	-	-	-	-
Preferred Share Repurchases	-	-115	-	-	-	-
Common Dividends Paid	-135.62	-135.62	-77.13	-74.25	-72.03	-66.75
Net Increase (Decrease) in Deposit Accounts	33.5	3,162	7,349	3,154	-3,571	8,549
Other Financing Activities	-	-0.52	-1.41	-	-2.13	-
Financing Cash Flow	83.47	3,917	5,958	4,771	-4,581	9,418

Net Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-4,240	-676.72	2,920	3,970	-7,657	5,717

Free Cash Flow

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	1,142	978.11	205.28	449.5	717.84	500.4
Free Cash Flow Growth	41.70%	376.48%	-54.33%	-37.38%	43.45%	59.68%
Free Cash Flow Margin	39.38%	39.16%	13.09%	31.64%	50.19%	39.63%
Free Cash Flow Per Share	14.93	13.28	4.18	9.22	14.73	10.27

Additional Metrics

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Sep 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Cash Interest Paid	1,395	1,466	1,205	844.4	196.48	47.11
Cash Income Tax Paid	136.47	63.24	76.93	79.33	101.95	92.58

SEC Filings: 10-K · 10-Q

Data Source: S&P Global Market Intelligence Last updated: Sep 30, 2026

Financial data is provided by S&P Global Market Intelligence and updates within hours after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Nov 13, 2026

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