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 UMBF cash flow conversion to assess how effectively this company generates cash.
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 cash flow reinvestment rate to assess the company's total reinvestment commitment from operating cash flow.
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 market cap and net worth.
| 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 | — |