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). Read UMBF current and long-term liabilities for a breakdown of total debt and financial obligations.
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 capital reinvestment ratio to see what proportion of operating cash flow is directed to capital expenditures.
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 UMB Financial Corporation (UMBF) total market value.
| 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 | — |