UMB Financial Corporation (UMBF) — Cash Flow Quality Index
UMB Financial Corporation (UMBF) has a Cash Flow Quality Index of 1.26x as of June 2026. Operating cash flow of $349.26 Million exceeds net income of $277.57 Million, indicating high earnings quality where cash backs reported profits. Explore cash flow to debt ratio of UMB Financial Corporation to assess how comfortably operating cash covers total debt obligations.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
UMB Financial Corporation Cash Flow Quality Index (1989–2025)
Historical Cash Flow Quality Index for UMB Financial Corporation across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. For the full cash flow conversion analysis, see UMB Financial Corporation (UMBF) cash conversion ratio.
Annual Cash Flow Quality Index for UMB Financial Corporation (1989–2025)
Year-by-year earnings quality comparison for UMB Financial Corporation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2025 | 1.46x | $1.03 Billion | $702.40 Million | ▲ +186.3% |
| 2024 | 0.51x | $225.29 Million | $441.24 Million | ▼ -62.2% |
| 2023 | 1.35x | $472.60 Million | $350.02 Million | ▼ -24.3% |
| 2022 | 1.78x | $769.55 Million | $431.68 Million | ▲ +17.8% |
| 2021 | 1.51x | $534.08 Million | $353.02 Million | ▲ +16.0% |
| 2020 | 1.30x | $373.60 Million | $286.50 Million | ▼ -7.0% |
| 2019 | 1.40x | $341.43 Million | $243.60 Million | ▼ -7.3% |
| 2018 | 1.51x | $295.70 Million | $195.51 Million | ▲ +14.5% |
| 2017 | 1.32x | $326.53 Million | $247.10 Million | ▼ -29.2% |
| 2016 | 1.87x | $296.44 Million | $158.80 Million | ▲ +2.7% |
| 2015 | 1.82x | $210.96 Million | $116.07 Million | ▼ -10.7% |
| 2014 | 2.04x | $245.66 Million | $120.66 Million | ▼ -7.6% |
| 2013 | 2.20x | $295.20 Million | $133.97 Million | ▲ +20.9% |
| 2012 | 1.82x | $223.74 Million | $122.72 Million | ▼ -8.9% |
| 2011 | 2.00x | $213.04 Million | $106.47 Million | ▲ +1.3% |
| 2010 | 1.98x | $179.77 Million | $91.00 Million | ▲ +20.5% |
| 2009 | 1.64x | $146.69 Million | $89.48 Million | ▲ +20.0% |
| 2008 | 1.37x | $134.03 Million | $98.08 Million | ▼ -22.7% |
| 2007 | 1.77x | $131.28 Million | $74.21 Million | ▼ -17.9% |
| 2006 | 2.16x | $128.84 Million | $59.77 Million | ▲ +15.3% |
| 2005 | 1.87x | $105.27 Million | $56.32 Million | ▼ -26.4% |
| 2004 | 2.54x | $108.87 Million | $42.84 Million | ▼ -5.5% |
| 2003 | 2.69x | $158.29 Million | $58.88 Million | ▲ +43.0% |
| 2002 | 1.88x | $107.50 Million | $57.17 Million | ▲ +44.6% |
| 2001 | 1.30x | $84.81 Million | $65.23 Million | ▼ -20.6% |
| 2000 | 1.64x | $106.69 Million | $65.11 Million | ▲ +583.5% |
| 1999 | 0.24x | $15.36 Million | $64.08 Million | ▼ -83.1% |
| 1998 | 1.42x | $76.83 Million | $54.20 Million | ▼ -38.4% |
| 1997 | 2.30x | $142.00 Million | $61.70 Million | ▲ +29.6% |
| 1996 | 1.78x | $102.10 Million | $57.50 Million | ▲ +21.5% |
| 1995 | 1.46x | $76.30 Million | $52.20 Million | ▼ -45.2% |
| 1994 | 2.67x | $127.60 Million | $47.80 Million | ▲ +81.3% |
| 1993 | 1.47x | $60.50 Million | $41.10 Million | ▼ -54.6% |
| 1992 | 3.24x | $127.80 Million | $39.40 Million | ▲ +229.4% |
| 1991 | 0.98x | $38.90 Million | $39.50 Million | ▲ +74.5% |
| 1990 | 0.56x | $21.00 Million | $37.20 Million | ▼ -49.2% |
| 1989 | 1.11x | $41.80 Million | $37.60 Million | — |