UMB Financial Cash Flow Statement
NASDAQ: UMBFFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
UMB Financial free cash flow
In fiscal 2025, UMB Financial generated $1.03 billion of operating cash flow and spent $48.6 million on capital expenditures. That left free cash flow of $978.1 million, a free-cash-flow margin of 36.9% of revenue. Free cash flow was up 376.5% from the prior year's $205.3 million.
UMB Financial returned $153.2 million to shareholders: $135.6 million in dividends and $17.6 million in share repurchases, equal to 16% of free cash flow. Free cash flow covered dividend payments 7.2 times.
Summary generated from market data by MetaCap's automated system. Methodology
UMB Financial cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 702.40M | 441.24M | 350.02M | 431.68M | 353.02M | 286.50M | 243.60M | 195.51M | 247.10M | 158.80M |
| Net Income growth (YoY) | +59.19% | +26.06% | -18.92% | +22.28% | +23.22% | +17.61% | +24.60% | -20.88% | +55.61% | +36.81% |
| Depreciation & Amortization | 141.77M | 52.77M | 58.72M | 54.02M | 55.75M | 62.80M | 56.26M | 53.12M | 54.88M | -2.30M |
| Stock-Based Compensation | 37.74M | 22.58M | 18.69M | 21.49M | 21.21M | 15.12M | 14.85M | 11.07M | 13.32M | 11.73M |
| Change in Working Capital | 26.25M | -20.45M | 148.15M | -10.99M | -51.74M | 91.69M | 76.85M | -13.75M | -40.81M | 14.11M |
| Operating Cash Flow | 1.03B | 225.29M | 472.60M | 769.55M | 534.08M | 373.60M | 339.93M | 295.70M | 326.53M | 296.44M |
| Capital Expenditures | -48.58M | -20.01M | -23.10M | -51.72M | -33.69M | -60.22M | -72.31M | -57.94M | -36.45M | -50.84M |
| Investing Cash Flow | -5.62B | -3.26B | -1.27B | -3.85B | -4.24B | -4.49B | -2.99B | -1.75B | -478.58M | -1.50B |
| Dividends Paid | -135.62M | -77.13M | -74.25M | -72.03M | -66.75M | -60.28M | -59.44M | -58.28M | -51.88M | -49.04M |
| Share Repurchases | -17.63M | -7.74M | -8.37M | -32.00M | -5.51M | -63.77M | -4.50M | -76.51M | -15.28M | -16.37M |
| Debt Issued | — | — | — | 110.00M | — | 200.00M | 18.60M | 4.00M | 3.00M | 1.50M |
| Debt Repaid | -200.00M | — | — | — | — | — | -4.83M | -1.65M | -1.52M | -11.70M |
| Financing Cash Flow | 3.92B | 5.96B | 4.77B | -4.58B | 9.42B | 5.95B | 2.64B | 1.41B | 804.35M | 1.45B |
| Net Change in Cash | -676.72M | 2.92B | 3.97B | -7.66B | 5.72B | 1.83B | -4.95M | -42.14M | 652.29M | 244.85M |
| Free Cash Flow | 978.11M | 205.28M | 449.50M | 717.84M | 500.39M | 313.38M | 267.62M | 237.76M | 290.08M | 245.60M |
This table shows 10 annual periods of UMB Financial's cash flow statement, from FY 2025 back to FY 2016, across 14 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow UMBF's reporting calendar. What is a cash flow statement?