UMB Financial Corporation (UMBF) — Cash Flow-to-Debt Ratio
UMB Financial Corporation (UMBF) has a Cash Flow-to-Debt Ratio of 0.01x as of June 2026, meaning its operating cash flow of $349.26 Million could theoretically repay 0% of its total liabilities ($64.22 Billion) in one year. See how financially flexible is UMB Financial Corporation to measure the company's free cash flow as a share of total liabilities.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
UMB Financial Corporation Cash Flow-to-Debt Ratio (1989–2025)
Historical debt coverage capacity for UMB Financial Corporation across 37 annual periods. For the full cash flow conversion analysis, see UMB Financial Corporation (UMBF) cash conversion ratio.
Annual Cash Flow-to-Debt Ratio for UMB Financial Corporation (1989–2025)
Year-by-year debt coverage analysis for UMB Financial Corporation. Check earnings quality score of UMB Financial Corporation to evaluate the quality of earnings relative to operating cash generation.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 2025 | 0.02x | $1.03 Billion | $65.40 Billion | ▲ +227.1% |
| 2024 | 0.00x | $225.29 Million | $46.94 Billion | ▼ -58.5% |
| 2023 | 0.01x | $472.60 Million | $40.91 Billion | ▼ -99.4% |
| 2022 | 2.02x | $769.55 Million | $381.31 Million | ▲ +2.6% |
| 2021 | 1.97x | $534.08 Million | $271.54 Million | ▲ +41.9% |
| 2020 | 1.39x | $373.60 Million | $269.60 Million | ▼ -60.4% |
| 2019 | 3.50x | $341.43 Million | $97.49 Million | ▲ +24917.2% |
| 2018 | 0.01x | $295.70 Million | $21.12 Billion | ▼ -16.0% |
| 2017 | 0.02x | $326.53 Million | $19.59 Billion | ▲ +5.3% |
| 2016 | 0.02x | $296.44 Million | $18.72 Billion | ▲ +29.1% |
| 2015 | 0.01x | $210.96 Million | $17.20 Billion | ▼ -20.8% |
| 2014 | 0.02x | $245.66 Million | $15.86 Billion | ▼ -19.2% |
| 2013 | 0.02x | $295.20 Million | $15.41 Billion | ▲ +16.9% |
| 2012 | 0.02x | $223.74 Million | $13.65 Billion | ▼ -5.0% |
| 2011 | 0.02x | $213.04 Million | $12.35 Billion | ▲ +8.9% |
| 2010 | 0.02x | $179.77 Million | $11.34 Billion | ▲ +15.0% |
| 2009 | 0.01x | $146.69 Million | $10.65 Billion | ▲ +2.8% |
| 2008 | 0.01x | $134.03 Million | $10.00 Billion | ▼ -13.7% |
| 2007 | 0.02x | $131.28 Million | $8.45 Billion | ▼ -2.7% |
| 2006 | 0.02x | $128.84 Million | $8.07 Billion | ▲ +12.5% |
| 2005 | 0.01x | $105.27 Million | $7.41 Billion | ▼ -8.9% |
| 2004 | 0.02x | $108.87 Million | $6.99 Billion | ▼ -31.7% |
| 2003 | 0.02x | $158.29 Million | $6.94 Billion | ▲ +53.5% |
| 2002 | 0.01x | $107.50 Million | $7.23 Billion | ▲ +39.5% |
| 2001 | 0.01x | $84.81 Million | $7.96 Billion | ▼ -28.5% |
| 2000 | 0.01x | $106.69 Million | $7.16 Billion | ▲ +624.7% |
| 1999 | 0.00x | $15.36 Million | $7.48 Billion | ▼ -81.3% |
| 1998 | 0.01x | $76.83 Million | $6.99 Billion | ▼ -50.2% |
| 1997 | 0.02x | $142.00 Million | $6.43 Billion | ▲ +28.3% |
| 1996 | 0.02x | $102.10 Million | $5.93 Billion | ▲ +27.7% |
| 1995 | 0.01x | $76.30 Million | $5.66 Billion | ▼ -36.2% |
| 1994 | 0.02x | $127.60 Million | $6.04 Billion | ▲ +107.4% |
| 1993 | 0.01x | $60.50 Million | $5.94 Billion | ▼ -63.3% |
| 1992 | 0.03x | $127.80 Million | $4.60 Billion | ▲ +208.3% |
| 1991 | 0.01x | $38.90 Million | $4.32 Billion | ▲ +68.5% |
| 1990 | 0.01x | $21.00 Million | $3.93 Billion | ▼ -52.4% |
| 1989 | 0.01x | $41.80 Million | $3.72 Billion | — |