UMB Financial Corp (UMBFO) cash flow statement

UMBFONasdaqNational Commercial BanksFiscal year ends December 31Also trades as UMBF

Financials through Q3 FY2026, quarter ended Sep 30, 2026Last filing: 10-Q on Oct 29, 2026Score 19/309% below fair value

$25.62−0.02 (-0.08%)

Close on Oct 30, 2026Market cap $10.21BP/E 10.2Yield 1.21%

UMB Financial Corp cash flow statement

Millions of USD, except per-share data. Shares in millions.

Line item	TTM Q3 2026 2026-09-30	TTM Q2 2026 2026-06-30	TTM Q1 2026 2026-03-31	TTM FY 2025 2025-12-31	TTM Q3 2025 2025-09-30	TTM Q2 2025 2025-06-30	TTM Q1 2025 2025-03-31	TTM FY 2024 2024-12-31	TTM Q3 2024 2024-09-30	TTM Q2 2024 2024-06-30	TTM Q1 2024 2024-03-31	TTM FY 2023 2023-12-31	TTM Q3 2023 2023-09-30	TTM Q2 2023 2023-06-30	TTM Q1 2023 2023-03-31	TTM FY 2022 2022-12-31	TTM Q3 2022 2022-09-30	TTM Q2 2022 2022-06-30	TTM Q1 2022 2022-03-31	TTM FY 2021 2021-12-31	TTM Q3 2021 2021-09-30	TTM Q2 2021 2021-06-30	TTM Q1 2021 2021-03-31	TTM FY 2020 2020-12-31	TTM Q3 2020 2020-09-30	TTM Q2 2020 2020-06-30	TTM Q1 2020 2020-03-31	TTM FY 2019 2019-12-31	TTM Q3 2019 2019-09-30	TTM Q2 2019 2019-06-30	TTM Q1 2019 2019-03-31	TTM FY 2018 2018-12-31	TTM Q3 2018 2018-09-30	TTM Q2 2018 2018-06-30	TTM Q1 2018 2018-03-31	TTM FY 2017 2017-12-31	TTM Q3 2017 2017-09-30	TTM Q2 2017 2017-06-30	TTM Q1 2017 2017-03-31	TTM FY 2016 2016-12-31
Depreciation & Amortization	142	145	147	142	117	93	68	53	54	56	57	59	59	58	56	54	54	54	55	56	58	59	61	63	61	60	58	56	55	54	53	53	53	53	54	55	55	56	70	55
Stock-Based Compensation	41	40	38	38	35	33	30	23	22	20	18	19	17	19	21	21	24	24	22	21	19	18	17	15	14	14	14	15	14	13	12	11	12	12	13	13	13	13	13	12
Deferred Income Taxes	75	77	87	83	16	14	3.57	-16	-16	-17	-20	-20	-11	-18	-9.14	-6.31	-16	-13	-24	-13	7.76	13	17	-4.84	–	–	–	–	–	–	–	–	–	–	–	60	2.17	-2.88	2.62	1.53
Operating Cash Flow	1,187	1,089	1,025	1,027	854	705	532	225	377	486	527	473	532	519	575	770	797	763	614	534	521	449	480	374	365	308	303	340	262	331	322	296	306	306	329	327	371	333	285	296
Capital Expenditures	-45	-48	-44	-49	-48	-38	-26	-20	-9.80	-12	-16	-23	-41	-52	-53	-52	-47	-35	-36	-34	-34	-40	-49	-60	-71	-85	-80	-72	-69	-59	-59	-58	-48	-47	-40	-36	-37	-45	-47	-51
Sale of Property, Plant & Equipment	–	–	–	–	–	–	1.89	4.20	3.93	1.97	6.28	3.81	4.37	4.46	3.83	6.73	8.67	8.72	6.80	3.90	1.74	1.98	0.25	8.57	9.87	10	11	5.54	9.08	9.22	–	5.38	–	–	–	3.04	1.25	0.17	1.25	1.76
Purchase of Investments	-2,678	-3,782	-5,008	-5,250	-5,577	-4,323	-6,502	-8,233	-7,672	-7,233	-3,961	-1,389	-828	-845	-1,403	-2,196	-3,883	-5,246	-5,220	-5,745	-5,015	-4,613	-5,426	-4,466	-4,110	-3,737	-2,361	-2,503	-2,511	-2,105	-1,744	-1,511	-1,269	-1,417	-1,511	-1,822	-2,317	-2,458	-2,857	-3,047
Sale & Maturity of Investments	2,475	2,410	2,508	2,936	2,742	3,079	5,757	7,861	7,741	7,157	4,594	1,651	1,653	1,685	1,341	1,575	1,827	2,019	2,126	2,315	2,328	2,643	3,250	2,965	3,042	2,699	1,942	1,871	1,463	1,257	1,179	1,226	1,225	1,526	1,748	1,865	2,153	2,437	2,618	2,792
Investing Cash Flow	-5,511	-5,912	-7,633	-5,620	-5,196	-3,641	-2,758	-3,263	-2,233	-1,789	-1,073	-1,273	-1,521	-1,766	-3,073	-3,845	-5,081	-5,087	-3,963	-4,235	-3,411	-3,685	-5,809	-4,491	-4,802	-4,649	-2,483	-2,985	-2,533	-2,474	-1,937	-1,747	-872	-504	-330	-479	-941	-790	-1,318	-1,502
Dividends Paid	-163	-151	-145	-136	-115	-101	-88	-77	-77	-76	-75	-74	-74	-73	-73	-72	-72	-72	-69	-67	-64	-61	-61	-60	-60	-60	-60	-59	-59	-59	-59	-58	-57	-55	-54	-52	-51	-50	-50	-49
Share Repurchases	-38	-40	-35	-18	-18	-16	-16	-7.74	-8.01	-8.00	-8.00	-8.37	-8.29	-8.09	-17	-32	-33	-33	-24	-5.51	-8.47	-8.40	-8.41	-64	-60	-60	-60	-4.50	-54	-74	-75	-77	-27	-17	-17	-15	-17	-7.07	-7.52	-16
Stock Issued	–	–	–	235	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–
Debt Issued	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	110	–	–	–	–	–	–	–	200	–	–	–	19	–	–	–	–	–	–	–	–	–	–	–	–
Debt Repaid	–	–	–	-200	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	-4.83	-3.35	-1.88	-2.06	-1.65	-1.59	-1.44	-1.48	-1.52	-1.91	-12	-12	-12
Short-Term Debt Issued (Repaid), Net	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	-5.00
Financing Cash Flow	83	-563	2,259	3,917	5,907	8,916	5,892	5,958	5,206	2,580	3,966	4,771	2,906	2,869	-666	-4,581	167	990	5,842	9,418	6,999	6,539	8,103	5,946	5,663	5,214	2,110	2,640	2,080	2,946	2,176	1,409	1,002	9.11	233	804	408	493	1,131	1,451
Net Change in Cash	-4,240	-5,386	-4,349	-677	1,565	5,980	3,667	2,920	3,350	1,277	3,420	3,970	1,917	1,623	-3,163	-7,657	-4,118	-3,335	2,493	5,717	4,109	3,303	2,774	1,828	1,226	873	-71	-4.95	-192	803	561	-42	436	-189	233	652	-162	36	98	245
Free Cash Flow	1,142	1,041	981	978	806	667	506	205	367	474	511	450	492	467	523	718	749	727	578	500	487	409	432	313	293	223	223	268	193	272	263	238	258	259	289	290	334	289	238	246
Income Taxes Paid	136	126	60	63	54	41	77	77	88	86	79	79	89	97	103	102	103	99	93	93	70	65	36	34	34	19	0.73	2.25	2.41	12	57	63	71	77	51	46	50	45	33	44
Interest Paid	1,395	1,447	1,485	1,466	1,425	1,318	1,263	1,205	1,146	1,060	948	844	683	536	349	196	101	54	46	47	49	49	56	84	117	154	192	190	185	167	136	115	93	77	66	57	48	38	32	28

Italic numbers are calculated by StockData (for example Q4 = full year − nine months). Per-share data and share counts are adjusted for stock splits. Hover a number for its source; click it to open the filing on SEC.gov. Click a row to chart it.

Ratios

Latest available, balances at Sep 30, 2026

Profitability, TTM

Gross margin: –
Operating margin: –
Net margin: 34.3%
Return on equity, FY2025: 12.6%

Financial strength

Current ratio: –
Debt to equity: –
Debt to assets: –
Cash to current liabilities: –

Valuation

P/E ratio: 10.2
Price to sales: 3.39
Price to book: 1.30
Dividend yield: 1.21%