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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Income	942.68	702.4	441.24	350.02	431.68	353.02
Depreciation & Amortization	144.63	141.77	52.77	58.72	54.02	55.75
Provision for Credit Losses	102.5	154.5	61.05	41.23	37.9	20
Stock-Based Compensation	39.81	37.75	22.58	18.69	21.49	21.21
Net Change in Loans Held-for-Sale	2.06	3.47	3.94	-0.75	0.49	10.56
Other Adjustments	-126.88	-99.55	16.4	20.64	-21.93	28.88
Changes in Trading Assets	-21.14	6.2	-10.44	-0.11	13.9	-10.33
Changes in Accrued Interest and Accounts Receivable	-20.06	-29.27	-24.59	-31.08	-58.22	4.59
Changes in Accrued Expenses	-24.24	26.25	-20.45	148.15	-11	-51.74
Changes in Other Operating Activities	49.46	83.18	-317.22	-132.92	301.22	102.16
Operating Cash Flow	1,089	1,027	225.29	472.6	769.55	534.08
Operating Cash Flow Growth	54.40%	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	-193.99	-47.33	-331.41	756.61	244.06	441.12
Net Change in Loans Held-for-Investment	-4,266	-3,252	-2,416	-2,159	-3,952	-1,118
Net Change in Securities and Investments	-1,316	-2,357	-315.21	196.95	-605.07	-3,432
Capital Expenditures	-48.14	-48.58	-20.01	-23.1	-51.72	-33.69
Sale of Property, Plant & Equipment	-	-	-	-	6.73	3.9
Other Investing Activities	-53.55	85.78	-180.29	-44.6	512.77	-96.98
Investing Cash Flow	-5,912	-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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Change in Deposits	-220.9	3,162	7,349	3,154	-3,571	8,549
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	150.99	692.59	490.07	-102.52	-1,016	922.94
Short-Term Debt Issued	-	-	500	32,856	-	-
Short-Term Debt Repaid	-	-	-2,300	-31,056	-	-
Net Short-Term Debt Issued (Repaid)	-	-	-1,800	1,800	-	-
Long-Term Debt Issued	-	-	-	-	110	-
Long-Term Debt Repaid	-188.95	-200	-	-	-	-
Net Long-Term Debt Issued (Repaid)	-188.95	-200	-	-	110	-
Issuance of Common Stock	1.59	236.45	4.69	2.46	2.14	19.05
Repurchase of Common Stock	-39.81	-17.63	-7.74	-8.37	-32	-5.51
Net Common Stock Issued (Repurchased)	-38.22	218.82	-3.05	-5.91	-29.86	13.54
Issuance of Preferred Stock	0	294.07	-	-	-	-
Repurchase of Preferred Stock	-	-115	-	-	-	-
Net Preferred Stock Issued (Repurchased)	0	179.07	-	-	-	-
Common Dividends Paid	-151.23	-135.62	-77.13	-74.25	-72.03	-66.75
Other Financing Activities	-	-0.52	-1.41	-	-2.13	-
Financing Cash Flow	-563.29	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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Cash Flow	-5,386	-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	Jun 30, 2026	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Free Cash Flow	1,041	978.11	205.28	449.5	717.84	500.4
Free Cash Flow Growth	48.48%	376.48%	-54.33%	-37.38%	43.45%	59.68%
FCF Margin	36.98%	39.16%	13.09%	31.64%	50.19%	39.63%
Free Cash Flow Per Share	13.62	13.28	4.18	9.22	14.73	10.27

SEC Filings: 10-K · 10-Q

Data Source: Fiscal.ai Last updated: Jul 30, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every three months for this company.

Update frequency:

Quarterly

Last checked:

Aug 4, 2026

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