UMB Financial Corporation (UMBF) — Defensive Interval Ratio
UMB Financial Corporation (UMBF) has a Defensive Interval Ratio of 51 days as of September 2025. Defensive assets of $8.85 Billion (cash $-, short-term investments $8.41 Billion, receivables $439.06 Million) cover 51 days of daily cash needs of $173.78 Million/day. See UMB Financial Corporation (UMBF) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Defensive Interval Ratio
Defensive Assets
Daily Cash Need
Current Liabilities
UMB Financial Corporation Defensive Interval Ratio (1992–2024)
This chart shows how UMB Financial Corporation's Defensive Interval Ratio has evolved across 33 annual periods from 1992 to 2024. As of September 2025, the ratio stands at 51 days, meaning defensive assets of $8.85 Billion can fund 51 days of operations without new revenue. See debt-free asset ratio of UMB Financial Corporation to measure how much of total assets are equity-financed.
Annual Defensive Interval Ratio for UMB Financial Corporation (1992–2024)
The table below presents the year-by-year Defensive Interval Ratio for UMB Financial Corporation from 1992 to 2024, covering 33 annual filings. Each row shows defensive assets, daily cash need, the DIR in days, and the change in days compared to the prior year. For live market cap and the full company financial profile, see UMB Financial Corporation (UMBF) market capitalisation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2024 | 65 days | $8.20 Billion | $126.36 Million/day | $- | $7.77 Billion | ▼ -6 days |
| 2023 | 70 days | $7.59 Billion | $107.68 Million/day | $- | $7.07 Billion | ▼ -91 days |
| 2022 | 161 days | $7.20 Billion | $44.68 Million/day | $- | $7.01 Billion | ▼ -65 days |
| 2021 | 226 days | $12.11 Billion | $53.68 Million/day | $- | $11.98 Billion | ▼ -57 days |
| 2020 | 282 days | $9.44 Billion | $33.44 Million/day | $- | $9.30 Billion | ▼ -29 days |
| 2019 | 311 days | $7.57 Billion | $24.33 Million/day | $- | $7.45 Billion | ▲ +16 days |
| 2018 | 295 days | $6.65 Billion | $22.54 Million/day | $- | $6.54 Billion | ▲ +9 days |
| 2017 | 286 days | $6.36 Billion | $22.20 Million/day | $- | $6.26 Billion | ▲ +6 days |
| 2016 | 280 days | $6.57 Billion | $23.43 Million/day | $- | $6.47 Billion | ▲ +132 days |
| 2015 | 148 days | $6.94 Billion | $46.79 Million/day | $- | $6.81 Billion | ▼ -14023 days |
| 2014 | 14171 days | $6.99 Billion | $493.35K/day | $- | $6.91 Billion | ▲ +14008 days |
| 2013 | 163 days | $6.86 Billion | $42.13 Million/day | $- | $6.76 Billion | ▼ -25 days |
| 2012 | 188 days | $7.03 Billion | $37.32 Million/day | $- | $6.94 Billion | ▲ +5 days |
| 2011 | 183 days | $6.19 Billion | $33.75 Million/day | $- | $6.11 Billion | ▼ -5 days |
| 2010 | 188 days | $5.82 Billion | $30.94 Million/day | $- | $5.74 Billion | ▲ +14 days |
| 2009 | 175 days | $5.07 Billion | $29.04 Million/day | $- | $5.00 Billion | ▲ +153 days |
| 2008 | 21 days | $575.31 Million | $27.26 Million/day | $- | $575.31 Million | ▼ -130 days |
| 2007 | 152 days | $3.46 Billion | $22.79 Million/day | $- | $3.46 Billion | ▼ -2 days |
| 2006 | 153 days | $3.33 Billion | $21.77 Million/day | $- | $3.33 Billion | ▼ -18 days |
| 2005 | 171 days | $3.43 Billion | $20.05 Million/day | $- | $3.43 Billion | ▼ -18 days |
| 2004 | 189 days | $3.59 Billion | $18.98 Million/day | $- | $3.59 Billion | ▲ +8 days |
| 2003 | 181 days | $3.42 Billion | $18.85 Million/day | $- | $3.42 Billion | ▼ -9 days |
| 2002 | 190 days | $3.72 Billion | $19.59 Million/day | $- | $3.72 Billion | ▲ +184 days |
| 2001 | 6 days | $121.84 Million | $21.47 Million/day | $- | $121.84 Million | ▼ -7 days |
| 2000 | 12 days | $232.72 Million | $18.95 Million/day | $- | $161.08 Million | ▲ +9 days |
| 1999 | 4 days | $74.36 Million | $20.11 Million/day | $- | $- | ▼ 0 days |
| 1998 | 4 days | $70.00 Million | $18.68 Million/day | $- | $- | ▼ 0 days |
| 1997 | 4 days | $72.60 Million | $17.16 Million/day | $- | $- | ▼ -151 days |
| 1996 | 155 days | $2.46 Billion | $15.91 Million/day | $- | $2.39 Billion | ▲ +150 days |
| 1995 | 5 days | $79.10 Million | $15.17 Million/day | $- | $- | ▲ +0 days |
| 1994 | 5 days | $81.20 Million | $16.26 Million/day | $- | $- | ▲ +0 days |
| 1993 | 5 days | $72.60 Million | $15.86 Million/day | $- | $- | ▲ +0 days |
| 1992 | 4 days | $53.90 Million | $12.34 Million/day | $- | $- | — |