UMB Financial Corporation Cash Flow-to-Debt Ratio
UMB Financial Corporation 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. Check UMBF cash flow quality score to evaluate the quality of earnings relative to operating cash generation.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
Cash Flow-to-Debt Ratio of UMB Financial Corporation (1989–2025)
Cash flow-to-debt ratio of UMB Financial Corporation from 1989 to 2025. Historical debt coverage capacity for UMB Financial Corporation across 37 annual periods. Check cash flow reinvestment rate of UMB Financial Corporation to assess the company's total reinvestment commitment from operating cash flow.
UMB Financial Corporation Cash Flow-to-Debt Ratio by Year (1989–2025)
UMB Financial Corporation cash flow-to-debt ratio by year from 1989 to 2025. Year-by-year debt coverage analysis for UMB Financial Corporation. For the full cash flow conversion analysis, see UMBF cash flow conversion.
| 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 | — |