UMB Financial Corporation (UMBF) — Cash Flow Reinvestment Rate
UMB Financial Corporation (UMBF) has a Cash Flow Reinvestment Rate of 0.40x as of June 2026, reinvesting $141.40 Million (capex $4.52 Million plus investments $136.88 Million) from operating cash flow of $349.26 Million. See how much free cash does UMB Financial Corporation generate to measure how efficiently the company converts operating cash flow to free cash.
Reinvestment Rate
Total Reinvested
Operating Cash Flow
Capital Expenditures
UMB Financial Corporation Cash Flow Reinvestment Rate (1989–2025)
Historical reinvestment intensity for UMB Financial Corporation across 37 annual periods. For the full cash flow conversion analysis, see how efficiently does UMB Financial Corporation generate cash.
Annual Cash Flow Reinvestment Rate for UMB Financial Corporation (1989–2025)
Year-by-year capital reinvestment analysis for UMB Financial Corporation. See UMB Financial Corporation leverage flexibility ratio to measure the company's free cash flow as a share of total liabilities.
| Year | Reinvestment Rate | Total Reinvested (USD) | Operating CF | Capex | YoY Change |
|---|---|---|---|---|---|
| 2025 | 2.39x | $2.46 Billion | $1.03 Billion | $48.58 Million | ▼ -83.6% |
| 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 | — |