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. Check UMB Financial Corporation earnings quality ratio to evaluate the quality of earnings relative to operating cash generation.
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. Explore UMBF long-term asset investment ratio to see how much of total assets are deployed in long-term investments.
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 (UMBF) total market value.
| 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 | — |