UMB Financial Corporation (UMBF) — Cash Flow-to-Debt Ratio
UMB Financial Corporation (UMBF) has a Cash Flow-to-Debt Ratio of 0.00x as of September 2025, meaning its operating cash flow of $272.21 Million could theoretically repay 0% of its total liabilities ($64.44 Billion) in one year. See UMBF cash flow after capex ratio to measure how efficiently the company converts operating cash flow to free cash.
CF-to-Debt Ratio
Operating Cash Flow
Total Liabilities
Data as of
UMB Financial Corporation Cash Flow-to-Debt Ratio (1989–2024)
Historical debt coverage capacity for UMB Financial Corporation across 36 annual periods. Also explore net asset growth rate of UMB Financial Corporation to track the company's year-over-year net asset growth rate.
Annual Cash Flow-to-Debt Ratio for UMB Financial Corporation (1989–2024)
Year-by-year debt coverage analysis for UMB Financial Corporation. For market capitalisation and broader financial context, see how much is UMB Financial Corporation worth.
| Year | CF-to-Debt Ratio | Operating CF (USD) | Total Liabilities | YoY Change |
|---|---|---|---|---|
| 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 | — |