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 operating cash flow
Operating cash flow is the cash the business generates from its day-to-day operations.
UMB Financial's operating cash flow for the twelve months ending Sep 30, 2026 was $1.19B, up 39.0% year over year. For fiscal 2025 it was $1.03B, up 355.7% from the year before. Over ten years it grew 17.1% a year on average. The highest annual figure on record is $1.03B in fiscal 2025.
Annual operating cash flow
| Period | Period end | Value | Change |
|---|---|---|---|
| FY2025 | Dec 31, 2025 | $1.03B | +355.7% |
| FY2024 | Dec 31, 2024 | $225.29M | -52.3% |
| FY2023 | Dec 31, 2023 | $472.60M | -38.6% |
| FY2022 | Dec 31, 2022 | $769.55M | +44.1% |
| FY2021 | Dec 31, 2021 | $534.08M | +43.0% |
| FY2020 | Dec 31, 2020 | $373.60M | +9.9% |
| FY2019 | Dec 31, 2019 | $339.93M | +15.0% |
| FY2018 | Dec 31, 2018 | $295.70M | -9.4% |
| FY2017 | Dec 31, 2017 | $326.53M | +10.1% |
| FY2016 | Dec 31, 2016 | $296.44M | +39.9% |
| FY2015 | Dec 31, 2015 | $211.91M | -13.7% |
| FY2014 | Dec 31, 2014 | $245.66M | -16.8% |
| FY2013 | Dec 31, 2013 | $295.20M | +31.9% |
| FY2012 | Dec 31, 2012 | $223.74M | +5.0% |
| FY2011 | Dec 31, 2011 | $213.04M | +18.4% |
| FY2010 | Dec 31, 2010 | $179.99M | +22.7% |
| FY2009 | Dec 31, 2009 | $146.69M | +9.4% |
| FY2008 | Dec 31, 2008 | $134.03M | – |
Quarterly operating cash flow
Change is against the same quarter a year earlier.
| Period | Period end | Value | Change |
|---|---|---|---|
| Q3 FY2026 | Sep 30, 2026 | $370.44M | +36.1% |
| Q2 FY2026 | Jun 30, 2026 | $349.26M | +22.4% |
| Q1 FY2026 | Mar 31, 2026 | $361.27M | -0.5% |
| Q4 FY2025 | Dec 31, 2025 | $106.08M | – |
| Q3 FY2025 | Sep 30, 2025 | $272.21M | +120.2% |
| Q2 FY2025 | Jun 30, 2025 | $285.39M | +154.0% |
| Q1 FY2025 | Mar 31, 2025 | $363.02M | +546.6% |
| Q4 FY2024 | Dec 31, 2024 | -$66.87M | -178.7% |
| Q3 FY2024 | Sep 30, 2024 | $123.65M | -46.8% |
| Q2 FY2024 | Jun 30, 2024 | $112.37M | -26.9% |
| Q1 FY2024 | Mar 31, 2024 | $56.14M | +3210.4% |
| Q4 FY2023 | Dec 31, 2023 | $84.98M | -41.2% |
| Q3 FY2023 | Sep 30, 2023 | $232.22M | +5.9% |
| Q2 FY2023 | Jun 30, 2023 | $153.71M | -26.7% |
| Q1 FY2023 | Mar 31, 2023 | $1.70M | -99.1% |
| Q4 FY2022 | Dec 31, 2022 | $144.45M | -15.9% |
| Q3 FY2022 | Sep 30, 2022 | $219.30M | +18.5% |
| Q2 FY2022 | Jun 30, 2022 | $209.76M | +242.1% |
| Q1 FY2022 | Mar 31, 2022 | $196.05M | +69.1% |
| Q4 FY2021 | Dec 31, 2021 | $171.72M | +8.4% |
| Q3 FY2021 | Sep 30, 2021 | $185.11M | +63.1% |
| Q2 FY2021 | Jun 30, 2021 | $61.32M | -33.6% |
| Q1 FY2021 | Mar 31, 2021 | $115.94M | +1147.7% |
| Q4 FY2020 | Dec 31, 2020 | $158.44M | +6.0% |
| Q3 FY2020 | Sep 30, 2020 | $113.51M | +100.7% |
| Q2 FY2020 | Jun 30, 2020 | $92.35M | +5.2% |
| Q1 FY2020 | Mar 31, 2020 | $9.29M | -79.9% |
| Q4 FY2019 | Dec 31, 2019 | $149.42M | +108.7% |
| Q3 FY2019 | Sep 30, 2019 | $56.55M | -54.9% |
| Q2 FY2019 | Jun 30, 2019 | $87.76M | +10.8% |
| Q1 FY2019 | Mar 31, 2019 | $46.21M | +135.5% |
| Q4 FY2018 | Dec 31, 2018 | $71.61M | -12.9% |
| Q3 FY2018 | Sep 30, 2018 | $125.27M | +0.2% |
| Q2 FY2018 | Jun 30, 2018 | $79.20M | -22.8% |
| Q1 FY2018 | Mar 31, 2018 | $19.62M | +17.7% |
| Q4 FY2017 | Dec 31, 2017 | $82.24M | -35.1% |
| Q3 FY2017 | Sep 30, 2017 | $125.04M | – |
| Q2 FY2017 | Jun 30, 2017 | $102.58M | – |
| Q1 FY2017 | Mar 31, 2017 | $16.67M | – |
| Q4 FY2016 | Dec 31, 2016 | $126.67M | – |