UMB Financial Corporation (UMBF) — Free Cash Flow Generation Index
UMB Financial Corporation (UMBF) has a Free Cash Flow Generation Index of 0.95x as of September 2025. Free cash flow of $257.81 Million represents 1% of operating cash flow ($272.21 Million). See how liquid is UMB Financial Corporation's working capital to evaluate short-term liquidity relative to the company's equity base.
FCF Generation Index
Free Cash Flow
Operating Cash Flow
Capital Expenditures
UMB Financial Corporation Free Cash Flow Generation Index (1989–2024)
Historical FCF Generation Index trend for UMB Financial Corporation across 36 annual periods. Explore UMBF cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
Annual Free Cash Flow Generation for UMB Financial Corporation (1989–2024)
Year-by-year Free Cash Flow Generation Index for UMB Financial Corporation. For the full company profile including market capitalisation, see UMBF market cap overview.
| Year | FCG Index | Free Cash Flow (USD) | Operating CF | Capital Expenditures | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.89x | $201.08 Million | $225.29 Million | $24.21 Million | ▼ -5.4% |
| 2023 | 0.94x | $445.69 Million | $472.60 Million | $26.91 Million | ▲ +1.1% |
| 2022 | 0.93x | $717.84 Million | $769.55 Million | $51.72 Million | ▼ -0.4% |
| 2021 | 0.94x | $500.39 Million | $534.08 Million | $33.69 Million | ▲ +11.7% |
| 2020 | 0.84x | $313.38 Million | $373.60 Million | $60.22 Million | ▲ +6.4% |
| 2019 | 0.79x | $269.11 Million | $341.43 Million | $72.31 Million | ▼ -2.0% |
| 2018 | 0.80x | $237.76 Million | $295.70 Million | $57.94 Million | ▼ -9.5% |
| 2017 | 0.89x | $290.08 Million | $326.53 Million | $36.45 Million | ▲ +7.2% |
| 2016 | 0.83x | $245.60 Million | $296.44 Million | $50.84 Million | ▲ +11.2% |
| 2015 | 0.75x | $157.20 Million | $210.96 Million | $53.76 Million | ▼ -8.0% |
| 2014 | 0.81x | $198.99 Million | $245.66 Million | $44.79 Million | ▼ -6.9% |
| 2013 | 0.87x | $256.88 Million | $295.20 Million | $38.31 Million | ▲ +8.3% |
| 2012 | 0.80x | $179.71 Million | $223.74 Million | $44.04 Million | ▼ -3.6% |
| 2011 | 0.83x | $177.49 Million | $213.04 Million | $35.56 Million | ▲ +1.6% |
| 2010 | 0.82x | $147.40 Million | $179.77 Million | $32.59 Million | ▼ -2.4% |
| 2009 | 0.84x | $123.26 Million | $146.69 Million | $23.43 Million | ▼ -0.7% |
| 2008 | 0.85x | $113.39 Million | $134.03 Million | $20.64 Million | ▲ +6.9% |
| 2007 | 0.79x | $103.89 Million | $131.28 Million | $27.87 Million | ▲ +14.5% |
| 2006 | 0.69x | $89.06 Million | $128.84 Million | $39.77 Million | ▲ +21.6% |
| 2005 | 0.57x | $59.84 Million | $105.27 Million | $45.43 Million | ▼ -15.7% |
| 2004 | 0.67x | $73.45 Million | $108.87 Million | $35.42 Million | ▼ -22.7% |
| 2003 | 0.87x | $138.21 Million | $158.29 Million | $20.08 Million | ▲ +12.1% |
| 2002 | 0.78x | $83.77 Million | $107.50 Million | $23.74 Million | ▲ +25.1% |
| 2001 | 0.62x | $52.81 Million | $84.81 Million | $32.00 Million | ▲ +5.3% |
| 2000 | 0.59x | $63.10 Million | $106.69 Million | $43.59 Million | ▲ +124.7% |
| 1999 | -2.40x | $-36.85 Million | $15.36 Million | $52.21 Million | ▼ -810.8% |
| 1998 | 0.34x | $25.93 Million | $76.83 Million | $50.90 Million | ▼ -54.2% |
| 1997 | 0.74x | $104.60 Million | $142.00 Million | $37.40 Million | ▼ -6.1% |
| 1996 | 0.78x | $80.10 Million | $102.10 Million | $22.00 Million | ▲ +23.7% |
| 1995 | 0.63x | $48.40 Million | $76.30 Million | $27.90 Million | ▼ -27.0% |
| 1994 | 0.87x | $110.90 Million | $127.60 Million | $16.70 Million | ▲ +10.2% |
| 1993 | 0.79x | $47.70 Million | $60.50 Million | $12.80 Million | ▼ -7.1% |
| 1992 | 0.85x | $108.50 Million | $127.80 Million | $19.30 Million | ▲ +48.1% |
| 1991 | 0.57x | $22.30 Million | $38.90 Million | $16.60 Million | ▲ +131.5% |
| 1990 | 0.25x | $5.20 Million | $21.00 Million | $15.80 Million | ▼ -64.7% |
| 1989 | 0.70x | $29.30 Million | $41.80 Million | $12.50 Million | — |