UMB Financial Corporation Financial Flexibility Index
UMB Financial Corporation financial flexibility index. UMB Financial Corporation (UMBF) has a Financial Flexibility Index of 0.01x as of June 2026. Free cash flow of $353.77 Million (operating CF $349.26 Million minus capex $4.52 Million) represents 0% of total liabilities ($64.22 Billion). See UMB Financial Corporation free cash flow efficiency to measure how efficiently the company converts operating cash flow to free cash.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Financial Flexibility Index of UMB Financial Corporation (1989–2025)
Financial flexibility index of UMB Financial Corporation from 1989 to 2025. Historical Financial Flexibility Index trend for UMB Financial Corporation across 37 annual periods. Check UMB Financial Corporation (UMBF) cash earnings ratio to evaluate the quality of earnings relative to operating cash generation.
UMB Financial Corporation Financial Flexibility Index by Year (1989–2025)
UMB Financial Corporation financial flexibility index by year from 1989 to 2025. Year-by-year free cash flow to debt coverage for UMB Financial Corporation. For the full cash flow conversion analysis, see UMBF cash generation efficiency.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2025 | 0.02x | $1.08 Billion | $1.03 Billion | $65.40 Billion | ▲ +209.4% |
| 2024 | 0.01x | $249.49 Million | $225.29 Million | $46.94 Billion | ▼ -56.5% |
| 2023 | 0.01x | $499.51 Million | $472.60 Million | $40.91 Billion | ▼ -99.4% |
| 2022 | 2.15x | $821.27 Million | $769.55 Million | $381.31 Million | ▲ +3.0% |
| 2021 | 2.09x | $567.77 Million | $534.08 Million | $271.54 Million | ▲ +29.9% |
| 2020 | 1.61x | $433.81 Million | $373.60 Million | $269.60 Million | ▼ -62.1% |
| 2019 | 4.24x | $413.74 Million | $341.43 Million | $97.49 Million | ▲ +25248.8% |
| 2018 | 0.02x | $353.64 Million | $295.70 Million | $21.12 Billion | ▼ -9.6% |
| 2017 | 0.02x | $362.97 Million | $326.53 Million | $19.59 Billion | ▼ -0.1% |
| 2016 | 0.02x | $347.28 Million | $296.44 Million | $18.72 Billion | ▲ +20.5% |
| 2015 | 0.02x | $264.72 Million | $210.96 Million | $17.20 Billion | ▼ -16.0% |
| 2014 | 0.02x | $290.45 Million | $245.66 Million | $15.86 Billion | ▼ -15.4% |
| 2013 | 0.02x | $333.51 Million | $295.20 Million | $15.41 Billion | ▲ +10.3% |
| 2012 | 0.02x | $267.78 Million | $223.74 Million | $13.65 Billion | ▼ -2.5% |
| 2011 | 0.02x | $248.60 Million | $213.04 Million | $12.35 Billion | ▲ +7.5% |
| 2010 | 0.02x | $212.36 Million | $179.77 Million | $11.34 Billion | ▲ +17.2% |
| 2009 | 0.02x | $170.12 Million | $146.69 Million | $10.65 Billion | ▲ +3.3% |
| 2008 | 0.02x | $154.67 Million | $134.03 Million | $10.00 Billion | ▼ -17.9% |
| 2007 | 0.02x | $159.15 Million | $131.28 Million | $8.45 Billion | ▼ -9.9% |
| 2006 | 0.02x | $168.61 Million | $128.84 Million | $8.07 Billion | ▲ +2.8% |
| 2005 | 0.02x | $150.70 Million | $105.27 Million | $7.41 Billion | ▼ -1.6% |
| 2004 | 0.02x | $144.30 Million | $108.87 Million | $6.99 Billion | ▼ -19.7% |
| 2003 | 0.03x | $178.37 Million | $158.29 Million | $6.94 Billion | ▲ +41.7% |
| 2002 | 0.02x | $131.24 Million | $107.50 Million | $7.23 Billion | ▲ +23.7% |
| 2001 | 0.01x | $116.82 Million | $84.81 Million | $7.96 Billion | ▼ -30.1% |
| 2000 | 0.02x | $150.28 Million | $106.69 Million | $7.16 Billion | ▲ +132.1% |
| 1999 | 0.01x | $67.57 Million | $15.36 Million | $7.48 Billion | ▼ -50.6% |
| 1998 | 0.02x | $127.72 Million | $76.83 Million | $6.99 Billion | ▼ -34.5% |
| 1997 | 0.03x | $179.40 Million | $142.00 Million | $6.43 Billion | ▲ +33.3% |
| 1996 | 0.02x | $124.10 Million | $102.10 Million | $5.93 Billion | ▲ +13.7% |
| 1995 | 0.02x | $104.20 Million | $76.30 Million | $5.66 Billion | ▼ -22.9% |
| 1994 | 0.02x | $144.30 Million | $127.60 Million | $6.04 Billion | ▲ +93.6% |
| 1993 | 0.01x | $73.30 Million | $60.50 Million | $5.94 Billion | ▼ -61.4% |
| 1992 | 0.03x | $147.10 Million | $127.80 Million | $4.60 Billion | ▲ +148.7% |
| 1991 | 0.01x | $55.50 Million | $38.90 Million | $4.32 Billion | ▲ +37.2% |
| 1990 | 0.01x | $36.80 Million | $21.00 Million | $3.93 Billion | ▼ -35.8% |
| 1989 | 0.01x | $54.30 Million | $41.80 Million | $3.72 Billion | — |