Umb Financial annual net debt
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2025
Umb Financial Net Debt Growth & History (UMBF)
Umb Financial's net debt was −$7.23B for fiscal 2025.
View full Umb Financial company overviewUmb Financial annual net debt history
| Fiscal year | Period ended | Net debt | Change | Growth |
|---|---|---|---|---|
| 2025 | 2025-12-31 | −$7.23B | $783.2M | — |
| 2024 | 2024-12-31 | −$8.01B | −$4.72B | — |
| 2023 | 2023-12-31 | −$3.29B | −$2.17B | — |
| 2022 | 2022-12-31 | −$1.11B | $7.77B | — |
| 2021 | 2021-12-31 | −$8.88B | −$5.72B | — |
| 2020 | 2020-12-31 | −$3.16B | −$1.63B | — |
| 2019 | 2019-12-31 | −$1.53B | $65.7M | — |
| 2018 | 2018-12-31 | −$1.59B | $45.5M | — |
| 2017 | 2017-12-31 | −$1.64B | −$649.8M | — |
| 2016 | 2016-12-31 | −$987.2M | −$259.2M | — |
| 2015 | 2015-12-31 | −$728.0M | $1.05B | — |
| 2014 | 2014-12-31 | −$1.78B | $798.8M | — |
| 2013 | 2013-12-31 | −$2.58B | −$1.22B | — |
| 2012 | 2012-12-31 | −$1.36B | $80.6M | — |
| 2011 | 2011-12-31 | −$1.44B | −$451.6M | — |
| 2010 | 2010-12-31 | −$989.5M | $185.2M | — |
| 2009 | 2009-12-31 | −$1.17B | — | — |
Umb Financial quarterly net debt
Q4.09
Q1.10
Q2.10
Q3.10
Q4.10
Q1.11
Q2.11
Q3.11
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Q1.12
Q2.12
Q3.12
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Q1.13
Q2.13
Q3.13
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Q3.14
Q4.14
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Q3.15
Q4.15
Q1.16
Q2.16
Q3.16
Q4.16
Q1.17
Q2.17
Q3.17
Q4.17
Q1.18
Q2.18
Q3.18
Q4.18
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Q2.19
Q3.19
Q4.19
Q1.20
Q2.20
Q3.20
Q4.20
Q1.21
Q2.21
Q3.21
Q4.21
Q1.22
Q2.22
Q3.22
Q4.22
Q1.23
Q2.23
Q3.23
Q4.23
Q1.24
Q2.24
Q3.24
Q4.24
Q1.25
Q2.25
Q3.25
Q4.25
Q1.26
Q2.26
| Fiscal quarter | Period ended | Net debt | Change | YoY change |
|---|---|---|---|---|
| Q2 2026 | 2026-06-30 | −$5.13B | $5.21B | — |
| Q1 2026 | 2026-03-31 | −$5.78B | $4.17B | — |
| Q4 2025 | 2025-12-31 | −$7.23B | $783.2M | — |
| Q3 2025 | 2025-09-30 | −$8.37B | −$2.53B | — |
| Q2 2025 | 2025-06-30 | −$10.34B | −$7.01B | — |
| Q1 2025 | 2025-03-31 | −$9.96B | −$5.20B | — |
| Q4 2024 | 2024-12-31 | −$8.01B | −$4.72B | — |
| Q3 2024 | 2024-09-30 | −$5.84B | −$4.60B | — |
| Q2 2024 | 2024-06-30 | −$3.33B | −$1.77B | — |
| Q1 2024 | 2024-03-31 | −$4.76B | −$4.42B | — |
| Q4 2023 | 2023-12-31 | −$3.29B | −$2.17B | — |
| Q3 2023 | 2023-09-30 | −$1.24B | $384.5M | — |
| Q2 2023 | 2023-06-30 | −$1.56B | $286.6M | — |
| Q1 2023 | 2023-03-31 | −$341.5M | $6.07B | — |
| Q4 2022 | 2022-12-31 | −$1.11B | $7.77B | — |
| Q3 2022 | 2022-09-30 | −$1.63B | $4.23B | — |
| Q2 2022 | 2022-06-30 | −$1.84B | $3.34B | — |
| Q1 2022 | 2022-03-31 | −$6.41B | −$2.49B | — |
| Q4 2021 | 2021-12-31 | −$8.88B | −$5.72B | — |
| Q3 2021 | 2021-09-30 | −$5.86B | −$4.12B | — |
| Q2 2021 | 2021-06-30 | −$5.18B | −$3.12B | — |
| Q1 2021 | 2021-03-31 | −$3.92B | −$2.64B | — |
| Q4 2020 | 2020-12-31 | −$3.16B | −$1.63B | — |
| Q3 2020 | 2020-09-30 | −$1.74B | −$1.10B | — |
| Q2 2020 | 2020-06-30 | −$2.06B | −$946.0M | — |
| Q1 2020 | 2020-03-31 | −$1.28B | $56.2M | — |
| Q4 2019 | 2019-12-31 | −$1.53B | $65.7M | — |
| Q3 2019 | 2019-09-30 | −$631.4M | $274.8M | — |
| Q2 2019 | 2019-06-30 | −$1.12B | −$722.8M | — |
| Q1 2019 | 2019-03-31 | −$1.34B | −$488.1M | — |
| Q4 2018 | 2018-12-31 | −$1.59B | $45.5M | — |
| Q3 2018 | 2018-09-30 | −$906.2M | −$434.0M | — |
| Q2 2018 | 2018-06-30 | −$393.7M | $191.7M | — |
| Q1 2018 | 2018-03-31 | −$850.8M | −$230.2M | — |
| Q4 2017 | 2017-12-31 | −$1.64B | −$649.8M | — |
| Q3 2017 | 2017-09-30 | −$472.1M | $163.0M | — |
| Q2 2017 | 2017-06-30 | −$585.5M | −$49.9M | — |
| Q1 2017 | 2017-03-31 | −$620.5M | −$111.7M | — |
| Q4 2016 | 2016-12-31 | −$987.2M | −$259.2M | — |
| Q3 2016 | 2016-09-30 | −$635.2M | $307.1M | — |
| Q2 2016 | 2016-06-30 | −$535.5M | $388.0M | — |
| Q1 2016 | 2016-03-31 | −$508.9M | $518.4M | — |
| Q4 2015 | 2015-12-31 | −$728.0M | $1.05B | — |
| Q3 2015 | 2015-09-30 | −$942.3M | $270.9M | — |
| Q2 2015 | 2015-06-30 | −$923.5M | −$145.7M | — |
| Q1 2015 | 2015-03-31 | −$1.03B | $245.8M | — |
| Q4 2014 | 2014-12-31 | −$1.78B | $798.8M | — |
| Q3 2014 | 2014-09-30 | −$1.21B | $721.7M | — |
| Q2 2014 | 2014-06-30 | −$777.8M | $216.8M | — |
| Q1 2014 | 2014-03-31 | −$1.27B | $649.9M | — |
| Q4 2013 | 2013-12-31 | −$2.58B | −$1.22B | — |
| Q3 2013 | 2013-09-30 | −$1.93B | −$1.40B | — |
| Q2 2013 | 2013-06-30 | −$994.6M | −$368.4M | — |
| Q1 2013 | 2013-03-31 | −$1.92B | −$611.2M | — |
| Q4 2012 | 2012-12-31 | −$1.36B | $80.6M | — |
| Q3 2012 | 2012-09-30 | −$535.8M | −$3.2M | — |
| Q2 2012 | 2012-06-30 | −$626.2M | $928.4M | — |
| Q1 2012 | 2012-03-31 | −$1.31B | $836.6M | — |
| Q4 2011 | 2011-12-31 | −$1.44B | −$451.6M | — |
| Q3 2011 | 2011-09-30 | −$532.7M | $230.9M | — |
| Q2 2011 | 2011-06-30 | −$1.55B | −$834.9M | — |
| Q1 2011 | 2011-03-31 | −$2.15B | −$1.45B | — |
| Q4 2010 | 2010-12-31 | −$989.5M | $185.2M | — |
| Q3 2010 | 2010-09-30 | −$763.5M | — | — |
| Q2 2010 | 2010-06-30 | −$719.7M | — | — |
| Q1 2010 | 2010-03-31 | −$694.2M | — | — |
| Q4 2009 | 2009-12-31 | −$1.17B | — | — |
Umb Financial net debt trends
Over the last five fiscal years, Umb Financial's net debt decreased from −$3.16B to −$7.23B, a change of −$4.07B. The latest reported quarter, Q2 2026, shows −$5.13B.
About the metric
What net debt means
Net debt compares a company’s interest-bearing debt with its cash and cash equivalents. Positive net debt means debt exceeds cash, while a negative value indicates the company has more cash than debt on this measure.
Calculation and source
How net debt is calculated
TickerStat calculates net debt as total interest-bearing debt minus cash and cash equivalents at the same reporting-period end. Short-term investments are not subtracted because they are not included in the standardized cash series. Fiscal periods can differ from calendar years, so exact period-end dates are included.
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