UMB Financial Corporation (UMBF) — 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). Check UMBF cash reinvestment to operating cash ratio to assess the company's total reinvestment commitment from operating cash flow.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
UMB Financial Corporation Financial Flexibility Index (1989–2025)
Historical Financial Flexibility Index trend for UMB Financial Corporation across 37 annual periods. For the full cash flow conversion analysis, see UMB Financial Corporation (UMBF) cash flow conversion.
Annual Financial Flexibility Index for UMB Financial Corporation (1989–2025)
Year-by-year free cash flow to debt coverage for UMB Financial Corporation. Explore UMB Financial Corporation debt service capacity to assess how comfortably operating cash covers total debt obligations.
| 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 | — |