UMB Financial Quarterly Cash Flow Statement
NASDAQ: UMBFFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
UMB Financial free cash flow
In the quarter ended Jun 30, 2026, UMB Financial generated $349.3 million of operating cash flow and spent $18.5 million on capital expenditures. That left free cash flow of $330.8 million, a free-cash-flow margin of 42.5% of revenue. Free cash flow was up 22.2% from the prior year's $270.8 million.
UMB Financial returned $43.6 million to shareholders: $38.5 million in dividends and $5.1 million in share repurchases, equal to 13% of free cash flow. Free cash flow covered dividend payments 8.6 times.
Summary generated from market data by MetaCap's automated system. Methodology
UMB Financial cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 277.57M | 261.44M | 215.35M | 188.32M | 217.39M | 81.33M | 120.00M | 109.64M | 101.34M | 110.26M | 70.92M | 96.55M |
| Net Income growth (YoY) | +27.68% | +221.44% | +79.47% | +71.75% | +114.51% | -26.23% | +69.19% | +13.56% | +12.47% | +19.28% | -29.20% | +9.73% |
| Depreciation & Amortization | 35.13M | 35.09M | 37.40M | 37.01M | 37.99M | 29.37M | 12.71M | 12.95M | 13.29M | 13.82M | 14.15M | 14.51M |
| Stock-Based Compensation | 9.35M | 13.42M | 9.31M | 7.72M | 7.88M | 12.83M | 6.99M | 4.85M | 5.77M | 4.97M | 5.99M | 3.53M |
| Change in Working Capital | 50.76M | -123.19M | -16.09M | 64.27M | 37.53M | -59.46M | -18.77M | 34.45M | -21.16M | -14.97M | 70.58M | 61.44M |
| Operating Cash Flow | 349.26M | 361.27M | 106.08M | 272.21M | 285.39M | 363.02M | -66.87M | 123.65M | 112.37M | 56.14M | 84.98M | 232.22M |
| Capital Expenditures | -18.46M | -4.52M | -10.76M | -14.40M | -14.60M | -8.82M | -10.18M | -4.29M | -3.16M | -2.38M | 28.00K | -6.04M |
| Investing Cash Flow | -276.45M | -1.35B | -2.14B | -2.14B | -2.00B | 663.20M | -1.72B | -588.30M | -1.11B | 158.39M | -689.09M | -144.55M |
| Dividends Paid | -38.50M | -39.61M | -40.61M | -32.50M | -32.39M | -30.12M | -19.52M | -19.06M | -19.53M | -19.01M | -18.93M | -18.44M |
| Share Repurchases | -5.09M | -32.81M | -79.00K | -1.82M | -290.00K | -15.43M | 0 | -201.00K | 0 | -7.54M | -271.00K | -194.00K |
| Debt Repaid | — | — | 0 | -188.94M | 0 | -11.05M | — | — | — | — | — | — |
| Financing Cash Flow | -724.30M | -522.21M | 966.96M | -283.74M | 2.10B | 1.14B | 2.96B | 2.73B | -925.20M | 1.20B | 2.21B | 99.94M |
| Net Change in Cash | -651.49M | -1.51B | -1.07B | -2.15B | 385.82M | 2.16B | 1.17B | 2.26B | -1.93B | 1.41B | 1.60B | 187.61M |
| Free Cash Flow | 330.80M | 356.76M | 95.32M | 257.81M | 270.78M | 354.20M | -77.05M | 119.35M | 109.21M | 53.77M | 85.01M | 226.18M |
This table shows 12 quarterly periods of UMB Financial's cash flow statement, from Q2 2026 back to Q3 2023, 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?