UMB Financial Corporation (UMBF) — Financial Flexibility Index
UMB Financial Corporation (UMBF) has a Financial Flexibility Index of 0.00x as of September 2025. Free cash flow of $286.61 Million (operating CF $272.21 Million minus capex $14.40 Million) represents 0% of total liabilities ($64.44 Billion). Check how strategically is UMB Financial Corporation's equity deployed to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
UMB Financial Corporation Financial Flexibility Index (1989–2024)
Historical Financial Flexibility Index trend for UMB Financial Corporation across 36 annual periods. See working capital position of UMB Financial Corporation to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for UMB Financial Corporation (1989–2024)
Year-by-year free cash flow to debt coverage for UMB Financial Corporation. For the full company profile including market capitalisation, see UMB Financial Corporation (UMBF) total market value.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 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 | — |