UMB Financial Corporation Defensive Interval Ratio
UMB Financial Corporation defensive interval ratio. UMB Financial Corporation (UMBF) has a Defensive Interval Ratio of 1080 days as of June 2026. Defensive assets of $9.12 Billion (cash $-, short-term investments $9.12 Billion, receivables $-) cover 1080 days of daily cash needs of $8.45 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
Defensive Interval Ratio of UMB Financial Corporation (1992–2025)
Defensive interval ratio of UMB Financial Corporation from 1992 to 2025. This chart shows how UMB Financial Corporation's Defensive Interval Ratio has evolved across 34 annual periods from 1992 to 2025. As of June 2026, the ratio stands at 1080 days, meaning defensive assets of $9.12 Billion can fund 1080 days of operations without new revenue. Check UMB Financial Corporation asset resilience ratio to evaluate the company's liquid asset resilience ratio.
UMB Financial Corporation Defensive Interval Ratio by Year (1992–2025)
UMB Financial Corporation defensive interval ratio by year from 1992 to 2025. The table below presents the year-by-year Defensive Interval Ratio for UMB Financial Corporation from 1992 to 2025, covering 34 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 the complete balance sheet picture, see total assets of UMB Financial Corporation.
| Year | DIR (days) | Defensive Assets (USD) | Daily Cash Need | Cash | ST Investments | Change (days) |
|---|---|---|---|---|---|---|
| 2025 | 49 days | $8.78 Billion | $177.88 Million/day | $- | $8.78 Billion | ▼ -16 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 | $- | $- | — |