UMB Financial Corporation (UMBF) — Cash Flow Quality Index
UMB Financial Corporation (UMBF) has a Cash Flow Quality Index of 1.45x as of September 2025. Operating cash flow of $272.21 Million exceeds net income of $188.32 Million, indicating high earnings quality where cash backs reported profits. Explore UMB Financial Corporation long-term investment allocation to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
UMB Financial Corporation Cash Flow Quality Index (1989–2024)
Historical Cash Flow Quality Index for UMB Financial Corporation across 36 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check UMB Financial Corporation (UMBF) tangible equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for UMB Financial Corporation (1989–2024)
Year-by-year earnings quality comparison for UMB Financial Corporation. For live market cap and the full company financial profile, see UMB Financial Corporation stock valuation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 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 | — |