UMB Financial Corp (UMBF)
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Fiscal Year End Date: 12/31
(Values in U.S. thousands)
| 03-2026 | 12-2025 | 09-2025 | 06-2025 | 03-2025 | |
| Cash Flows From Operating Activities | |||||
| Net Income | 261,438 | 702,398 | 487,043 | 298,727 | 81,333 |
| Depreciation Amortization | 32,265 | 132,776 | 102,945 | 7,595 | 34,711 |
| Income taxes - deferred | 21,123 | 82,825 | 25,219 | 23,772 | 16,710 |
| Other Working Capital | 53,335 | 87,086 | 269,959 | 221,617 | 153,072 |
| Loans | -2,441 | 726 | -414 | -2,982 | -2,343 |
| Other Operating Activity | -4,447 | 20,882 | 35,864 | 99,678 | 79,538 |
| Operating Cash Flow | $361,273 | $1,026,693 | $920,616 | $648,407 | $363,021 |
| Cash Flows From Investing Activities | |||||
| Change In Deposits | 14,757 | -47,329 | 732,773 | 766,578 | 865,371 |
| PPE Investments | -4,517 | -48,584 | -37,825 | -23,427 | -8,591 |
| Net Acquisitions | N/A | 169,262 | 170,136 | 174,985 | 174,985 |
| Purchase Of Investment | -715,009 | -5,382,625 | -4,460,343 | -2,702,297 | -986,511 |
| Sale Of Investment | 723,808 | 3,025,139 | 2,372,005 | 1,816,643 | 1,121,647 |
| Net Loans | -1,346,054 | -3,252,475 | -2,214,214 | -1,332,396 | -481,826 |
| Other Investing Activity | -22,684 | -83,486 | -40,155 | -34,762 | -21,871 |
| Investing Cash Flow | $-1,349,699 | $-5,620,098 | $-3,477,623 | $-1,334,676 | $663,204 |
| Cash Flows From Financing Activities | |||||
| Change In Short Term Borrowing | 225,800 | 692,590 | 206,249 | 300,258 | -72,365 |
| Debt Repayment | N/A | -200,000 | -200,000 | -11,055 | -11,055 |
| Common Stock Issued | 452 | 236,449 | 236,083 | 235,811 | 235,622 |
| Common Stock Repurchased | -32,814 | -17,628 | -17,549 | -15,724 | -15,434 |
| Dividend Paid | -39,611 | -135,620 | -95,006 | -62,504 | -30,117 |
| Other Financing Activity | 0 | 178,542 | 178,542 | 293,538 | -524 |
| Financing Cash Flow | $-522,207 | $3,916,687 | $2,949,726 | $3,233,467 | $1,135,150 |
| Beginning Cash Position | 7,771,973 | 8,448,691 | 8,448,691 | 8,448,691 | 8,448,691 |
| End Cash Position | 6,261,340 | 7,771,973 | 8,841,410 | 10,995,890 | 10,610,070 |
| Net Cash Flow | $-1,510,633 | $-676,718 | $392,719 | $2,547,198 | $2,161,375 |
| Free Cash Flow | |||||
| Operating Cash Flow | 361,273 | 1,026,693 | 920,616 | 648,407 | 363,021 |
| Capital Expenditure | -4,517 | -48,584 | -37,825 | -23,427 | -8,823 |
| Free Cash Flow | 356,756 | 978,109 | 882,791 | 624,980 | 354,198 |