UMB Financial Corp (UMBFO) stock
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 free cash flow
Free cash flow is cash from operations minus capital expenditures: the cash available for dividends, buybacks, debt repayment or acquisitions.
UMB Financial's free cash flow for the twelve months ending Sep 30, 2026 was $1.14B, up 41.7% year over year. For fiscal 2025 it was $978.11M, up 376.5% from the year before. Over ten years it grew 20.0% a year on average. The highest annual figure on record is $978.11M in fiscal 2025.
Annual free cash flow
| Period | Period end | Value | Change |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $978.11M | +376.5% |
| FY2024 | Dec 31, 2024 | $205.28M | -54.3% |
| FY2023 | Dec 31, 2023 | $449.50M | -37.4% |
| FY2022 | Dec 31, 2022 | $717.84M | +43.5% |
| FY2021 | Dec 31, 2021 | $500.40M | +59.7% |
| FY2020 | Dec 31, 2020 | $313.38M | +17.1% |
| FY2019 | Dec 31, 2019 | $267.62M | +12.6% |
| FY2018 | Dec 31, 2018 | $237.76M | -18.0% |
| FY2017 | Dec 31, 2017 | $290.08M | +18.1% |
| FY2016 | Dec 31, 2016 | $245.60M | +55.3% |
| FY2015 | Dec 31, 2015 | $158.15M | -21.3% |
| FY2014 | Dec 31, 2014 | $200.87M | -21.8% |
| FY2013 | Dec 31, 2013 | $256.89M | +42.9% |
| FY2012 | Dec 31, 2012 | $179.71M | +1.3% |
| FY2011 | Dec 31, 2011 | $177.49M | +20.4% |
| FY2010 | Dec 31, 2010 | $147.40M | +19.6% |
| FY2009 | Dec 31, 2009 | $123.26M | +8.7% |
| FY2008 | Dec 31, 2008 | $113.39M | – |
Quarterly free cash flow
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | $358.89M | +39.2% |
| Q2 FY2026 | Jun 30, 2026 | $330.80M | +22.2% |
| Q1 FY2026 | Mar 31, 2026 | $356.76M | +0.7% |
| Q4 FY2025 | Dec 31, 2025 | $95.32M | – |
| Q3 FY2025 | Sep 30, 2025 | $257.81M | +116.0% |
| Q2 FY2025 | Jun 30, 2025 | $270.78M | +148.0% |
| Q1 FY2025 | Mar 31, 2025 | $354.20M | +558.8% |
| Q4 FY2024 | Dec 31, 2024 | -$77.05M | -190.6% |
| Q3 FY2024 | Sep 30, 2024 | $119.35M | -47.2% |
| Q2 FY2024 | Jun 30, 2024 | $109.21M | -25.2% |
| Q1 FY2024 | Mar 31, 2024 | $53.77M | – |
| Q4 FY2023 | Dec 31, 2023 | $85.01M | -33.1% |
| Q3 FY2023 | Sep 30, 2023 | $226.18M | +12.1% |
| Q2 FY2023 | Jun 30, 2023 | $146.05M | -27.5% |
| Q1 FY2023 | Mar 31, 2023 | -$7.73M | -104.1% |
| Q4 FY2022 | Dec 31, 2022 | $127.08M | -19.9% |
| Q3 FY2022 | Sep 30, 2022 | $201.84M | +12.3% |
| Q2 FY2022 | Jun 30, 2022 | $201.51M | +288.4% |
| Q1 FY2022 | Mar 31, 2022 | $187.41M | +70.4% |
| Q4 FY2021 | Dec 31, 2021 | $158.74M | +9.5% |
| Q3 FY2021 | Sep 30, 2021 | $179.79M | +76.1% |
| Q2 FY2021 | Jun 30, 2021 | $51.88M | -30.5% |
| Q1 FY2021 | Mar 31, 2021 | $109.98M | – |
| Q4 FY2020 | Dec 31, 2020 | $144.99M | +16.1% |
| Q3 FY2020 | Sep 30, 2020 | $102.11M | +222.7% |
| Q2 FY2020 | Jun 30, 2020 | $74.64M | -0.5% |
| Q1 FY2020 | Mar 31, 2020 | -$8.36M | -123.1% |
| Q4 FY2019 | Dec 31, 2019 | $124.84M | +147.7% |
| Q3 FY2019 | Sep 30, 2019 | $31.64M | -71.4% |
| Q2 FY2019 | Jun 30, 2019 | $75.00M | +14.2% |
| Q1 FY2019 | Mar 31, 2019 | $36.14M | +229.1% |
| Q4 FY2018 | Dec 31, 2018 | $50.40M | -28.5% |
| Q3 FY2018 | Sep 30, 2018 | $110.69M | -0.8% |
| Q2 FY2018 | Jun 30, 2018 | $65.68M | -31.8% |
| Q1 FY2018 | Mar 31, 2018 | $10.98M | -6.0% |
| Q4 FY2017 | Dec 31, 2017 | $70.54M | -38.5% |
| Q3 FY2017 | Sep 30, 2017 | $111.62M | – |
| Q2 FY2017 | Jun 30, 2017 | $96.24M | – |
| Q1 FY2017 | Mar 31, 2017 | $11.68M | – |
| Q4 FY2016 | Dec 31, 2016 | $114.78M | – |