UMB Financial Corporation Cash Flow Quality Index
UMB Financial Corporation 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. See UMB Financial Corporation (UMBF) flexibility index to measure the company's free cash flow as a share of total liabilities.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Cash Flow Quality Index of UMB Financial Corporation (1989–2025)
Cash flow quality index of UMB Financial Corporation from 1989 to 2025. Historical Cash Flow Quality Index for UMB Financial Corporation across 37 annual periods. Values consistently above 1.0x indicate high-quality earnings. Explore UMB Financial Corporation cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
UMB Financial Corporation Cash Flow Quality Index by Year (1989–2025)
UMB Financial Corporation cash flow quality index by year from 1989 to 2025. Year-by-year earnings quality comparison for UMB Financial Corporation. For the full cash flow conversion analysis, see UMBF operating cash flow.
| 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 | — |