UMB Financial Corporation (UMBF) — Cash Flow Reinvestment Rate
UMB Financial Corporation (UMBF) has a Cash Flow Reinvestment Rate of 7.93x as of September 2025, reinvesting $2.16 Billion (capex $14.40 Million plus investments $-2.14 Billion) from operating cash flow of $272.21 Million. Explore UMBF capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
UMB Financial Corporation Cash Flow Reinvestment Rate (1989–2024)
Historical reinvestment intensity for UMB Financial Corporation across 36 annual periods. Also explore UMBF asset base for the complete picture of this company's asset base.
Annual Cash Flow Reinvestment Rate for UMB Financial Corporation (1989–2024)
Year-by-year capital reinvestment analysis for UMB Financial Corporation. For live market cap and broader valuation context, see UMB Financial Corporation stock valuation.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2024 | 14.59x | $3.29 Billion | $225.29 Million | $24.21 Million | ▲ +345.4% |
| 2023 | 3.28x | $1.55 Billion | $472.60 Million | $26.91 Million | ▼ -42.5% |
| 2022 | 5.69x | $4.38 Billion | $769.55 Million | $51.72 Million | ▼ -26.6% |
| 2021 | 7.75x | $4.14 Billion | $534.08 Million | $33.69 Million | ▼ -33.3% |
| 2020 | 11.62x | $4.34 Billion | $373.60 Million | $60.22 Million | ▲ +32.7% |
| 2019 | 8.76x | $2.99 Billion | $341.43 Million | $72.31 Million | ▲ +48.2% |
| 2018 | 5.91x | $1.75 Billion | $295.70 Million | $57.94 Million | ▲ +229.2% |
| 2017 | 1.79x | $585.98 Million | $326.53 Million | $36.45 Million | ▼ -64.5% |
| 2016 | 5.05x | $1.50 Billion | $296.44 Million | $50.84 Million | ▼ -12.8% |
| 2015 | 5.79x | $1.22 Billion | $210.96 Million | $53.76 Million | ▲ +0.8% |
| 2014 | 5.75x | $1.41 Billion | $245.66 Million | $44.79 Million | ▲ +61.7% |
| 2013 | 3.56x | $1.05 Billion | $295.20 Million | $38.31 Million | ▼ -49.0% |
| 2012 | 6.97x | $1.56 Billion | $223.74 Million | $44.04 Million | ▲ +3248.9% |
| 2011 | 0.21x | $44.37 Million | $213.04 Million | $35.56 Million | ▼ -95.4% |
| 2010 | 4.58x | $822.86 Million | $179.77 Million | $32.59 Million | ▲ +2766.2% |
| 2009 | 0.16x | $23.43 Million | $146.69 Million | $23.43 Million | ▲ +3.7% |
| 2008 | 0.15x | $20.64 Million | $134.03 Million | $20.64 Million | ▼ -27.5% |
| 2007 | 0.21x | $27.87 Million | $131.28 Million | $27.87 Million | ▼ -31.2% |
| 2006 | 0.31x | $39.77 Million | $128.84 Million | $39.77 Million | ▼ -28.5% |
| 2005 | 0.43x | $45.43 Million | $105.27 Million | $45.43 Million | ▲ +32.6% |
| 2004 | 0.33x | $35.42 Million | $108.87 Million | $35.42 Million | ▲ +156.5% |
| 2003 | 0.13x | $20.08 Million | $158.29 Million | $20.08 Million | ▼ -42.5% |
| 2002 | 0.22x | $23.74 Million | $107.50 Million | $23.74 Million | ▼ -41.5% |
| 2001 | 0.38x | $32.00 Million | $84.81 Million | $32.00 Million | ▼ -7.6% |
| 2000 | 0.41x | $43.59 Million | $106.69 Million | $43.59 Million | ▼ -88.0% |
| 1999 | 3.40x | $52.21 Million | $15.36 Million | $52.21 Million | ▲ +413.0% |
| 1998 | 0.66x | $50.90 Million | $76.83 Million | $50.90 Million | ▲ +151.6% |
| 1997 | 0.26x | $37.40 Million | $142.00 Million | $37.40 Million | ▲ +22.2% |
| 1996 | 0.22x | $22.00 Million | $102.10 Million | $22.00 Million | ▼ -41.1% |
| 1995 | 0.37x | $27.90 Million | $76.30 Million | $27.90 Million | ▲ +179.4% |
| 1994 | 0.13x | $16.70 Million | $127.60 Million | $16.70 Million | ▼ -38.1% |
| 1993 | 0.21x | $12.80 Million | $60.50 Million | $12.80 Million | ▲ +40.1% |
| 1992 | 0.15x | $19.30 Million | $127.80 Million | $19.30 Million | ▼ -64.6% |
| 1991 | 0.43x | $16.60 Million | $38.90 Million | $16.60 Million | ▼ -43.3% |
| 1990 | 0.75x | $15.80 Million | $21.00 Million | $15.80 Million | ▲ +151.6% |
| 1989 | 0.30x | $12.50 Million | $41.80 Million | $12.50 Million | — |