UMB Financial Corporation (UMBF) — Working Capital to Net Assets Ratio
UMB Financial Corporation (UMBF) has a Working Capital to Net Assets ratio of -28.7% as of June 2026. Working capital of $-2.30 Billion (current assets of $779.88 Million minus current liabilities of $3.08 Billion) is measured against net assets of $8.03 Billion. A higher ratio indicates strong short-term liquidity financed by the equity base. See defensive interval ratio of UMB Financial Corporation to measure how many days the company can operate on defensive assets alone.
WC/NA Ratio
Working Capital
Current Assets
Current Liabilities
UMB Financial Corporation Working Capital to Net Assets (1989–2025)
This chart shows how UMB Financial Corporation's Working Capital to Net Assets ratio has evolved across 37 annual periods from 1989 to 2025. As of June 2026, the ratio stands at -28.7%, reflecting working capital of $-2.30 Billion against net assets of $8.03 Billion USD. For the complete balance sheet picture, see how large is UMB Financial Corporation's balance sheet.
Annual Working Capital to Net Assets for UMB Financial Corporation (1989–2025)
The table below presents the year-by-year Working Capital to Net Assets ratio for UMB Financial Corporation from 1989 to 2025, covering 37 annual filings. Each row shows current assets, current liabilities, working capital, net assets, the ratio, and the change in percentage points compared to the prior year. Check UMB Financial Corporation (UMBF) liquid assets ratio to evaluate the company's liquid asset resilience ratio.
| Year | WC/NA Ratio | Working Capital (USD) | Net Assets | Current Assets | Current Liabilities | Change (pp) |
|---|---|---|---|---|---|---|
| 2025 | -831.5% | $-63.97 Billion | $7.69 Billion | $952.55 Million | $64.93 Billion | ▲ +15.5 pp |
| 2024 | -847.0% | $-29.36 Billion | $3.47 Billion | $16.76 Billion | $46.12 Billion | ▼ -4.9 pp |
| 2023 | -842.1% | $-26.11 Billion | $3.10 Billion | $13.20 Billion | $39.30 Billion | ▼ -799.3 pp |
| 2022 | -42.8% | $-16.31 Billion | $38.13 Billion | $420.00K | $16.31 Billion | ▼ -46.9 pp |
| 2021 | 4.2% | $1.77 Billion | $42.42 Billion | $21.36 Billion | $19.59 Billion | ▲ +1.8 pp |
| 2020 | 2.4% | $774.79 Million | $32.86 Billion | $12.98 Billion | $12.21 Billion | ▲ +0.9 pp |
| 2019 | 1.5% | $390.67 Million | $26.46 Billion | $9.27 Billion | $8.88 Billion | ▼ -303.5 pp |
| 2018 | 305.0% | $6.80 Billion | $2.23 Billion | $15.02 Billion | $8.23 Billion | ▲ +50.6 pp |
| 2017 | 254.5% | $5.55 Billion | $2.18 Billion | $13.65 Billion | $8.10 Billion | ▲ +56.3 pp |
| 2016 | 198.2% | $3.89 Billion | $1.96 Billion | $12.44 Billion | $8.55 Billion | ▲ +681.8 pp |
| 2015 | -483.6% | $-9.16 Billion | $1.89 Billion | $7.92 Billion | $17.08 Billion | ▼ -1067.1 pp |
| 2014 | 583.5% | $9.59 Billion | $1.64 Billion | $9.77 Billion | $180.07 Million | ▲ +980.7 pp |
| 2013 | -397.2% | $-5.98 Billion | $1.51 Billion | $9.40 Billion | $15.38 Billion | ▲ +10.0 pp |
| 2012 | -407.1% | $-5.21 Billion | $1.28 Billion | $8.41 Billion | $13.62 Billion | ▼ -27.6 pp |
| 2011 | -379.5% | $-4.52 Billion | $1.19 Billion | $7.80 Billion | $12.32 Billion | ▲ +564.3 pp |
| 2010 | -943.8% | $-10.01 Billion | $1.06 Billion | $1.28 Billion | $11.29 Billion | ▼ -55.7 pp |
| 2009 | -888.1% | $-9.02 Billion | $1.02 Billion | $1.58 Billion | $10.60 Billion | ▲ +30.1 pp |
| 2008 | -918.2% | $-8.95 Billion | $974.81 Million | $998.91 Million | $9.95 Billion | ▼ -74.7 pp |
| 2007 | -843.6% | $-7.51 Billion | $890.57 Million | $806.60 Million | $8.32 Billion | ▲ +30.1 pp |
| 2006 | -873.7% | $-7.42 Billion | $848.88 Million | $531.19 Million | $7.95 Billion | ▼ -67.8 pp |
| 2005 | -805.9% | $-6.72 Billion | $833.46 Million | $599.58 Million | $7.32 Billion | ▼ -21.0 pp |
| 2004 | -784.9% | $-6.43 Billion | $819.18 Million | $499.22 Million | $6.93 Billion | ▼ -17.5 pp |
| 2003 | -767.5% | $-6.23 Billion | $811.92 Million | $649.42 Million | $6.88 Billion | ▲ +37.2 pp |
| 2002 | -804.7% | $-6.46 Billion | $802.80 Million | $691.70 Million | $7.15 Billion | ▲ +112.2 pp |
| 2001 | -916.8% | $-7.05 Billion | $768.58 Million | $790.67 Million | $7.84 Billion | ▼ -81.7 pp |
| 2000 | -835.1% | $-5.87 Billion | $702.93 Million | $1.05 Billion | $6.92 Billion | ▲ +157.4 pp |
| 1999 | -992.5% | $-6.50 Billion | $654.99 Million | $840.47 Million | $7.34 Billion | ▼ -102.6 pp |
| 1998 | -890.0% | $-5.90 Billion | $662.80 Million | $920.50 Million | $6.82 Billion | ▼ -45.7 pp |
| 1997 | -844.2% | $-5.27 Billion | $624.20 Million | $993.90 Million | $6.26 Billion | ▲ +7.6 pp |
| 1996 | -851.8% | $-4.96 Billion | $582.50 Million | $843.80 Million | $5.81 Billion | ▼ -87.2 pp |
| 1995 | -764.7% | $-4.76 Billion | $622.50 Million | $775.50 Million | $5.54 Billion | ▲ +147.4 pp |
| 1994 | -912.0% | $-5.08 Billion | $557.30 Million | $852.00 Million | $5.93 Billion | ▼ -51.2 pp |
| 1993 | -860.8% | $-5.05 Billion | $586.60 Million | $739.00 Million | $5.79 Billion | ▲ +99.7 pp |
| 1992 | -960.4% | $-3.84 Billion | $399.70 Million | $666.70 Million | $4.51 Billion | ▼ -49.2 pp |
| 1991 | -911.2% | $-3.40 Billion | $372.70 Million | $762.10 Million | $4.16 Billion | ▲ +57.2 pp |
| 1990 | -968.4% | $-3.32 Billion | $343.10 Million | $439.70 Million | $3.76 Billion | ▼ -38.3 pp |
| 1989 | -930.1% | $-2.94 Billion | $316.00 Million | $620.80 Million | $3.56 Billion | — |