UMB Financial Corporation
NASDAQ:UMBF
108.14 (USD) • At close July 1, 2025
Overview | Financials
Numbers are in millions (except for per share data and ratios) USD.
| 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities: | ||||||||||||||||||||||||||||||||||||
| Net Income
| 441.243 | 350.024 | 431.682 | 353.018 | 286.502 | 243.6 | 195.513 | 247.105 | 158.801 | 116.073 | 120.655 | 133.965 | 122.717 | 106.472 | 91.002 | 89.484 | 98.075 | 74.213 | 59.767 | 56.318 | 42.839 | 58.879 | 57.173 | 65.23 | 65.111 | 64.077 | 54.2 | 61.7 | 57.5 | 52.2 | 47.8 | 41.1 | 39.4 | 39.5 | 37.2 | 37.6 |
| Depreciation & Amortization
| 52.771 | 58.723 | 54.022 | 55.747 | 62.803 | 56.258 | 53.116 | 54.875 | 54.556 | 52.79 | 46.355 | 44.221 | 40.847 | 42.931 | 39.376 | 38.107 | 37.729 | 37.385 | 33.721 | 45.856 | 59.681 | 58.02 | 41.172 | 26.913 | 37.644 | 1.454 | 13.4 | 39.2 | 45.8 | 23.4 | 22.3 | 56.1 | 14 | 12.5 | 13.1 | 13.8 |
| Deferred Income Tax
| -16.174 | -20.439 | -6.308 | -12.724 | -4.836 | -0.153 | -20.261 | 59.738 | 2.756 | -4.848 | -11.456 | -5.123 | 3.675 | -0.197 | -13.226 | -5.966 | -5.023 | 1.253 | -0.569 | 3.259 | 6.362 | -5.44 | -2.427 | -1.774 | -0.836 | 5.614 | 1 | 0.7 | -4 | -4 | 0.4 | -0.2 | 2.8 | 0.8 | -3.5 | -5.8 |
| Stock Based Compensation
| 22.579 | 18.694 | 21.491 | 21.208 | 15.12 | 14.85 | 11.074 | 13.316 | 11.735 | 10.751 | 9.661 | 8.386 | 7.162 | 6.51 | 5.953 | 5.313 | 4.212 | 3.409 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change In Working Capital
| -362.262 | -15.839 | 232 | 55.002 | -51.437 | -50.057 | -43.955 | -24.791 | 9.236 | -33.633 | 19.164 | 42.202 | -6.172 | 17.391 | 3.006 | -33.276 | -15.367 | 9.246 | -6.619 | 2.453 | -3.055 | 17.87 | -1.854 | 7.65 | 18.036 | -19.301 | -6.6 | 7.4 | -4.2 | 24 | -7.2 | -6 | 52.6 | 0.5 | -3.1 | -6.6 |
| Accounts Receivables
| -24.592 | -31.075 | -58.222 | 4.587 | -15.384 | -14.34 | -11.305 | -9.201 | -8.918 | -7.075 | -1.081 | -8.467 | 6.248 | 0.656 | -11.704 | -0.436 | -1.598 | -4.708 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Inventory
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Payables
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Working Capital
| -337.67 | 15.236 | 290.222 | 50.415 | -36.053 | -35.717 | -32.65 | -15.59 | 18.154 | -26.558 | 20.245 | 50.669 | -12.42 | 16.735 | 14.71 | -32.84 | -13.769 | 13.954 | -6.619 | 2.453 | -3.055 | 17.87 | -1.854 | 7.65 | 18.036 | -19.301 | -6.6 | 7.4 | -4.2 | 24 | -7.2 | -6 | 52.6 | 0.5 | -3.1 | -6.6 |
| Other Non Cash Items
| 87.129 | 81.441 | 36.667 | 61.831 | 65.446 | 75.18 | 100.168 | -23.717 | 59.356 | 70.811 | 61.28 | 71.547 | 55.515 | 39.936 | 53.661 | 53.028 | 14.405 | 5.775 | 42.537 | -2.614 | 3.044 | 28.962 | 13.437 | -13.205 | -13.268 | -36.483 | 14.725 | 33 | 7 | -19.3 | 64.3 | -30.5 | 19 | -14.4 | -22.7 | 2.8 |
| Operating Cash Flow
| 225.286 | 472.604 | 769.554 | 534.082 | 373.598 | 339.933 | 295.696 | 326.526 | 296.44 | 210.961 | 245.659 | 295.198 | 223.744 | 213.043 | 179.772 | 146.69 | 134.031 | 131.281 | 128.837 | 105.272 | 108.871 | 158.291 | 107.501 | 84.814 | 106.687 | 15.361 | 76.825 | 142 | 102.1 | 76.3 | 127.6 | 60.5 | 127.8 | 38.9 | 21 | 41.8 |
| Investing Activities: | ||||||||||||||||||||||||||||||||||||
| Investments In Property Plant And Equipment
| -24.206 | -26.91 | -51.716 | -33.687 | -60.216 | -72.313 | -57.94 | -36.447 | -50.841 | -53.76 | -44.79 | -38.313 | -44.038 | -35.557 | -32.592 | -23.426 | -20.637 | -27.873 | -39.772 | -45.429 | -35.425 | -20.081 | -23.736 | -32.003 | -43.591 | -52.207 | -50.9 | -37.4 | -22 | -27.9 | -16.7 | -12.8 | -19.3 | -16.6 | -15.8 | -12.5 |
| Acquisitions Net
| -109.046 | -0.793 | 548.624 | 18.431 | 0.024 | -18.498 | -8.907 | 164.561 | 0 | 95.351 | -18.231 | 26.087 | 17.597 | -8.134 | -159.154 | -48.451 | -47.1 | -0.785 | -43.308 | 0 | -1.687 | 0 | 0 | -26.015 | 0 | -0.498 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Purchases Of Investments
| -8,355.136 | -1,835.247 | -2,262.643 | -5,844.328 | -4,592.852 | -2,531.971 | -1,517.388 | -1,822.227 | -3,046.71 | -2,375.097 | -1,969 | -2,373.836 | -3,600.684 | -3,043.688 | -3,437.448 | -3,439.942 | -4,680.619 | -1,933.493 | -8,635.626 | -9,666.09 | -10,102.699 | -13,038.237 | -16,566.528 | -28,550.036 | -7,565.512 | -10,031.204 | -10,094.4 | -2,228.5 | -2,047.4 | -1,687.3 | -1,125.1 | -1,183.4 | -3,244.1 | -1,704.3 | -1,363.1 | -1,185.1 |
| Sales Maturities Of Investments
| 7,968.68 | 1,991.392 | 1,621.718 | 2,396.777 | 3,031.486 | 1,875.015 | 1,227.305 | 1,864.946 | 2,792.16 | 2,205.998 | 1,760.36 | 2,226.033 | 2,717.178 | 2,582.842 | 2,653.467 | 3,348.804 | 3,283.354 | 1,842.366 | 8,409.557 | 9,861.158 | 9,993.967 | 13,251.626 | 16,968.912 | 27,229.061 | 8,314.238 | 9,818.454 | 9,259.4 | 2,034.8 | 2,035.8 | 2,249.4 | 1,128.5 | 1,126.7 | 2,896.7 | 1,454.4 | 1,169.1 | 988.8 |
| Other Investing Activites
| -2,742.793 | -1,401.714 | -3,701.368 | -772.683 | -2,869.529 | -2,238.886 | -1,391.015 | -649.411 | -1,197.052 | -1,202.729 | -1,159.318 | -849.717 | -631.584 | -217.835 | -3.49 | -200.637 | -21.004 | -34.62 | -205.359 | -630.084 | -149.437 | -85.649 | 128.318 | 210.107 | -133.308 | -254.228 | 216.2 | -183.4 | -180.4 | -135.8 | -115.4 | -89.6 | -133.7 | 213.2 | -152.4 | 0.5 |
| Investing Cash Flow
| -3,262.501 | -1,273.272 | -3,845.385 | -4,235.49 | -4,491.087 | -2,985.161 | -1,746.545 | -478.578 | -1,502.443 | -1,330.237 | -1,430.979 | -1,020.848 | -1,541.531 | -722.372 | -979.217 | -363.652 | -1,470.022 | -154.405 | -514.508 | -480.445 | -295.281 | 107.659 | 506.966 | -1,168.886 | 571.827 | -519.683 | -669.6 | -414.5 | -214 | 398.4 | -128.7 | -159.1 | -500.4 | -53.3 | -362.2 | -208.3 |
| Financing Activities: | ||||||||||||||||||||||||||||||||||||
| Debt Repayment
| -1,800 | 1,800 | 110 | 0 | 200 | 0 | 0 | 1.479 | -15.203 | -120.449 | 3.648 | -0.717 | -12.65 | -25.575 | -10.868 | 3.24 | -18.053 | 13.884 | 232.161 | -131.973 | 305.666 | -69.982 | -158.279 | 481.95 | -446.287 | 493.364 | 200.2 | 94.6 | -6.3 | -6 | -5.8 | 16.5 | -57.7 | 6.7 | -17.8 | 108.6 |
| Common Stock Issued
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 231.43 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Common Stock Repurchased
| -7.738 | -8.367 | -31.997 | -5.506 | -63.766 | -4.496 | -76.507 | -15.276 | -16.367 | -8.457 | -5.741 | -3.501 | -20.419 | -9.142 | -8.879 | -26.894 | -23.406 | -43.309 | -29.598 | 0 | 0 | -12.074 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividends Paid
| -77.127 | -74.245 | -72.03 | -66.75 | -60.281 | -59.436 | -58.279 | -51.876 | -49.038 | -45.967 | -41.364 | -36.168 | -33.787 | -31.801 | -30.328 | -28.792 | -26.814 | -29.278 | -21.833 | -19.015 | -18.203 | -17.618 | -17.658 | -17 | -17.134 | -16.035 | -16.4 | -15.6 | -15.2 | -15.1 | -14.7 | -13.1 | -11 | -10.1 | -10 | -11.2 |
| Other Financing Activities
| 7,842.513 | 3,053.664 | -4,586.832 | 9,490.662 | 5,869.932 | 2,704.209 | 1,543.494 | 870.02 | 1,531.466 | 325.087 | 433.579 | 1,750.64 | 1,291.406 | 1,001.861 | 653.27 | 611.494 | 1,485.223 | 357.239 | 135.438 | 640.213 | -247.887 | -211.26 | -528.564 | 440.307 | 11.269 | -18.878 | 349.8 | 356.5 | 270 | -517.2 | 138.9 | 153.1 | 293.4 | 340.2 | 187.9 | 170.7 |
| Financing Cash Flow
| 5,957.648 | 4,771.052 | -4,580.859 | 9,418.406 | 5,945.885 | 2,640.277 | 1,408.708 | 804.347 | 1,450.858 | 151.158 | 390.122 | 1,941.684 | 1,224.55 | 935.343 | 603.195 | 559.048 | 1,416.95 | 298.536 | 317.279 | 477.326 | 36.207 | -310.503 | -713.436 | 899.42 | -469.298 | 419.898 | 522 | 422.8 | 186.6 | -549.1 | 105.5 | 152.1 | 223.4 | 336.9 | 160.1 | 239.9 |
| Other Information: | ||||||||||||||||||||||||||||||||||||
| Effect Of Forex Changes On Cash
| 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -474.7 | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Change In Cash
| 2,920.433 | 3,970.384 | -7,656.69 | 5,716.998 | 1,828.396 | -4.951 | -42.141 | 652.295 | 244.855 | -968.118 | -795.198 | 1,216.034 | -93.237 | 426.014 | -196.028 | 342.086 | 80.959 | 275.412 | -68.392 | 102.153 | -150.203 | -44.553 | -98.969 | -184.652 | 209.216 | -84.424 | -70.8 | 150.2 | -696.4 | -770.8 | -666.4 | -612.8 | -762.1 | -439.7 | -620.8 | -547.4 |
| Cash At End Of Period
| 8,448.691 | 5,528.258 | 1,557.874 | 9,214.564 | 3,497.566 | 1,669.17 | 1,674.121 | 1,716.262 | 1,063.967 | 819.112 | 1,787.23 | 2,582.428 | 1,366.394 | 1,459.631 | 1,033.617 | 1,229.645 | 887.559 | 806.6 | 531.188 | 599.58 | 497.382 | 647.15 | 691.703 | 790.672 | 975.324 | 766.108 | 850.5 | 921.3 | 883 | 221.7 | 771.9 | 764.9 | 985.5 | 776.6 | 780.9 | 787.3 |