Umb Financial annual free cash flow
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Umb Financial Free Cash Flow (FCF) History (UMBF)
Umb Financial reported $978.1M in free cash flow for fiscal 2025, an increase of 376.48% from the previous fiscal year, with a free cash flow margin of 36.88%.
View full Umb Financial company overviewUmb Financial free cash flow by year
| Fiscal year | Period ended | Free cash flow | Change | Growth | FCF margin |
|---|---|---|---|---|---|
| 2025 | 2025-12-31 | $978.1M | $772.8M | +376.48% | +36.88% |
| 2024 | 2024-12-31 | $205.3M | −$244.2M | −54.33% | +12.60% |
| 2023 | 2023-12-31 | $449.5M | −$268.3M | −37.38% | +30.75% |
| 2022 | 2022-12-31 | $717.8M | $217.4M | +43.45% | +48.90% |
| 2021 | 2021-12-31 | $500.4M | $187.0M | +59.68% | +39.01% |
| 2020 | 2020-12-31 | $313.4M | $45.8M | +17.10% | +24.27% |
| 2019 | 2019-12-31 | $267.6M | $29.9M | +12.56% | +24.38% |
| 2018 | 2018-12-31 | $237.8M | −$52.3M | −18.04% | +23.49% |
| 2017 | 2017-12-31 | $290.1M | $44.5M | +18.11% | +29.53% |
| 2016 | 2016-12-31 | $245.6M | $87.5M | +55.30% | +27.35% |
| 2015 | 2015-12-31 | $158.1M | −$42.7M | −21.27% | +20.20% |
| 2014 | 2014-12-31 | $200.9M | −$56.0M | −21.81% | +23.67% |
| 2013 | 2013-12-31 | $256.9M | $77.2M | +42.95% | +31.13% |
| 2012 | 2012-12-31 | $179.7M | $2.2M | +1.25% | +23.09% |
| 2011 | 2011-12-31 | $177.5M | $30.1M | +20.41% | +24.27% |
| 2010 | 2010-12-31 | $147.4M | $24.1M | +19.58% | +21.97% |
| 2009 | 2009-12-31 | $123.3M | $9.9M | +8.70% | +20.10% |
| 2008 | 2008-12-31 | $113.4M | — | — | +19.29% |
Umb Financial quarterly free cash flow
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| Fiscal quarter | Period ended | Free cash flow | Change | YoY growth | FCF margin |
|---|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | $330.8M | $60.0M | +22.16% | +42.52% |
| Q1 2026 | 2026-03-31 | $356.8M | $2.6M | +0.72% | +48.27% |
| Q4 2025 | 2025-12-31 | $95.3M | $172.4M | — | +13.22% |
| Q3 2025 | 2025-09-30 | $257.8M | $138.5M | +116.01% | +38.01% |
| Q2 2025 | 2025-06-30 | $270.8M | $161.6M | +147.95% | +39.29% |
| Q1 2025 | 2025-03-31 | $354.2M | $300.4M | +558.75% | +62.82% |
| Q4 2024 | 2024-12-31 | −$77.1M | −$162.0M | — | −17.75% |
| Q3 2024 | 2024-09-30 | $119.4M | −$106.8M | −47.23% | +29.39% |
| Q2 2024 | 2024-06-30 | $109.2M | −$36.8M | −25.23% | +28.00% |
| Q1 2024 | 2024-03-31 | $53.8M | $61.5M | — | +13.49% |
| Q4 2023 | 2023-12-31 | $85.0M | −$42.1M | −33.15% | +22.91% |
| Q3 2023 | 2023-09-30 | $226.2M | $24.3M | +12.06% | +63.60% |
| Q2 2023 | 2023-06-30 | $146.0M | −$55.5M | −27.52% | +40.16% |
| Q1 2023 | 2023-03-31 | −$7.7M | −$195.1M | — | −2.08% |
| Q4 2022 | 2022-12-31 | $127.1M | −$31.7M | −19.95% | +34.28% |
| Q3 2022 | 2022-09-30 | $201.8M | $22.1M | +12.26% | +55.73% |
| Q2 2022 | 2022-06-30 | $201.5M | $149.6M | +288.39% | +50.24% |
| Q1 2022 | 2022-03-31 | $187.4M | $77.4M | +70.40% | +56.10% |
| Q4 2021 | 2021-12-31 | $158.7M | $13.7M | +9.48% | +48.20% |
| Q3 2021 | 2021-09-30 | $179.8M | $77.7M | +76.08% | +56.60% |
| Q2 2021 | 2021-06-30 | $51.9M | −$22.8M | −30.49% | +15.60% |
| Q1 2021 | 2021-03-31 | $110.0M | $118.3M | — | +36.30% |
| Q4 2020 | 2020-12-31 | $145.0M | $20.2M | +16.14% | +34.28% |
| Q3 2020 | 2020-09-30 | $102.1M | $70.5M | +222.69% | +34.34% |
| Q2 2020 | 2020-06-30 | $74.6M | −$357,000 | −0.48% | +24.99% |
| Q1 2020 | 2020-03-31 | −$8.4M | −$44.5M | — | −3.07% |
| Q4 2019 | 2019-12-31 | $124.8M | $74.4M | +147.69% | +44.16% |
| Q3 2019 | 2019-09-30 | $31.6M | −$79.0M | −71.41% | +11.64% |
| Q2 2019 | 2019-06-30 | $75.0M | $9.3M | +14.18% | +27.59% |
| Q1 2019 | 2019-03-31 | $36.1M | $25.2M | +229.13% | +13.32% |
| Q4 2018 | 2018-12-31 | $50.4M | −$20.1M | −28.55% | +19.63% |
| Q3 2018 | 2018-09-30 | $110.7M | −$926,000 | −0.83% | +44.03% |
| Q2 2018 | 2018-06-30 | $65.7M | −$30.6M | −31.75% | +26.22% |
| Q1 2018 | 2018-03-31 | $11.0M | −$703,000 | −6.02% | +4.33% |
| Q4 2017 | 2017-12-31 | $70.5M | −$44.5M | −38.68% | +27.95% |
| Q3 2017 | 2017-09-30 | $111.6M | $45.8M | +69.48% | +45.53% |
| Q2 2017 | 2017-06-30 | $96.2M | $50.7M | +111.55% | +38.85% |
| Q1 2017 | 2017-03-31 | $11.7M | −$7.5M | −39.19% | +4.92% |
| Q4 2016 | 2016-12-31 | $115.0M | $88.2M | +329.39% | +54.44% |
| Q3 2016 | 2016-09-30 | $65.9M | $10.8M | +19.53% | +28.85% |
| Q2 2016 | 2016-06-30 | $45.5M | −$23.3M | −33.88% | +20.31% |
| Q1 2016 | 2016-03-31 | $19.2M | $11.8M | +157.72% | +8.20% |
| Q4 2015 | 2015-12-31 | $26.8M | −$27.7M | −50.81% | +20.41% |
| Q3 2015 | 2015-09-30 | $55.1M | −$20.0M | −26.62% | +25.16% |
| Q2 2015 | 2015-06-30 | $68.8M | −$27.4M | −28.47% | +31.72% |
| Q1 2015 | 2015-03-31 | $7.5M | $32.3M | — | +3.46% |
| Q4 2014 | 2014-12-31 | $54.5M | −$36.3M | −40.00% | +26.42% |
| Q3 2014 | 2014-09-30 | $75.1M | $13.5M | +21.93% | +35.09% |
| Q2 2014 | 2014-06-30 | $96.2M | $19.0M | +24.60% | +43.69% |
| Q1 2014 | 2014-03-31 | −$24.9M | −$52.2M | — | −11.93% |
| Q4 2013 | 2013-12-31 | $90.8M | $56.6M | +165.69% | +40.97% |
| Q3 2013 | 2013-09-30 | $61.6M | −$9.2M | −12.94% | +29.73% |
| Q2 2013 | 2013-06-30 | $77.2M | $5.7M | +7.91% | +39.40% |
| Q1 2013 | 2013-03-31 | $27.3M | $24.1M | +735.65% | +13.63% |
| Q4 2012 | 2012-12-31 | $34.2M | −$37.2M | −52.14% | +18.03% |
| Q3 2012 | 2012-09-30 | $70.7M | $68.2M | +2640.60% | +37.89% |
| Q2 2012 | 2012-06-30 | $71.5M | $32.5M | +83.15% | +37.53% |
| Q1 2012 | 2012-03-31 | $3.3M | −$61.2M | −94.93% | +1.55% |
| Q4 2011 | 2011-12-31 | $71.4M | $43.1M | +152.63% | +40.26% |
| Q3 2011 | 2011-09-30 | $2.6M | −$34.2M | −92.99% | +1.43% |
| Q2 2011 | 2011-06-30 | $39.1M | −$423,000 | −1.07% | +20.80% |
| Q1 2011 | 2011-03-31 | $64.5M | $21.6M | +50.44% | +34.62% |
| Q4 2010 | 2010-12-31 | $28.3M | $18.3M | +185.10% | +16.28% |
| Q3 2010 | 2010-09-30 | $36.8M | −$13.7M | −27.19% | +21.85% |
| Q2 2010 | 2010-06-30 | $39.5M | $10.1M | +34.36% | +23.67% |
| Q1 2010 | 2010-03-31 | $42.8M | $9.4M | +28.26% | +26.42% |
| Q4 2009 | 2009-12-31 | $9.9M | — | — | +6.15% |
| Q3 2009 | 2009-09-30 | $50.6M | — | — | +32.32% |
| Q2 2009 | 2009-06-30 | $29.4M | — | — | +19.40% |
| Q1 2009 | 2009-03-31 | $33.4M | — | — | +23.18% |
Umb Financial free cash flow growth trends
Over the last five reported fiscal years, free cash flow grew from $313.4M to $978.1M, a compound annual growth rate of 25.56%. Umb Financial's latest reported quarter, Q2 2026, generated $330.8M in free cash flow, an increase of 22.16% year over year.
About the metric
What free cash flow means
Free cash flow is the cash a company generates from operations after capital expenditures. Positive FCF can fund dividends, buybacks, debt repayment, or reinvestment; negative FCF means capital spending exceeded operating cash flow for that period.
Calculation and source
How free cash flow is calculated
TickerStat calculates free cash flow as SEC-reported operating cash flow minus capital expenditures. FCF margin equals free cash flow divided by revenue. Fiscal periods can differ from calendar years, so the tables include exact period-end dates.
Review Umb Financial filings at SEC.gov ↗