FN2 Earnings Intelligence
UMB Financial Corporation cash flow
UMB Financial Corporation (UMBF) Cash Flow (annual) derived from persisted SEC financial facts.
Key Stats
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Market Cap | - | - | - | - | - |
| - Cash | $9,214.6 | $1,557.9 | $5,528.3 | $8,448.7 | $7,772 |
| + Debt | - | - | $2,183.2 | $2,185.3 | - |
| Enterprise Value | - | - | - | - | - |
| Revenue | $861.5 | $1,137.5 | $1,838.7 | $2,171 | $3,354.3 |
| % Growth | 6.6% | 32.0% | 61.6% | 18.1% | 54.5% |
| Gross Profit | $27.9 | $239.4 | $839.6 | $1,144.3 | $1,731.5 |
| % Margin | 3.2% | 21.0% | 45.7% | 52.7% | 51.6% |
| EBITDA | - | - | - | - | - |
| % Margin | - | - | - | - | - |
| Net Income | $353 | $431.7 | $350 | $441.2 | $702.4 |
| % Margin | 41.0% | 37.9% | 19.0% | 20.3% | 20.9% |
| Diluted EPS | $7.24 | $8.86 | $7.18 | $8.99 | $9.29 |
| % Growth | 22.1% | 22.4% | -19.0% | 25.2% | 3.3% |
| Operating Cash Flow | $534.1 | $769.6 | $472.6 | $225.3 | $1,026.7 |
| CapEx | $33.7 | $51.7 | $26.9 | $24.2 | $48.6 |
| Free Cash Flow | $500.4 | $717.8 | $445.7 | $201.1 | $978.1 |
Historical market capitalization is not persisted, so Market Cap and Enterprise Value remain unavailable rather than mixing today's market value into prior periods.
Income Statement
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Revenue | $861.5 | $1,137.5 | $1,838.7 | $2,171 | $3,354.3 |
| Gross Profit | $27.9 | $239.4 | $839.6 | $1,144.3 | $1,731.5 |
| EBITDA | - | - | - | - | - |
| Net Income | $353 | $431.7 | $350 | $441.2 | $702.4 |
| Diluted EPS | $7.24 | $8.86 | $7.18 | $8.99 | $9.29 |
Balance Sheet
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Cash & Equivalents | $9,214.6 | $1,557.9 | $5,528.3 | $8,448.7 | $7,772 |
| Short-term Debt | - | - | $1,800 | $1,800 | - |
| Long-term Debt | $271.5 | $381.3 | $383.2 | $385.3 | $474.2 |
| Total Debt | - | - | $2,183.2 | $2,185.3 | - |
Cash Flow
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | $534.1 | $769.6 | $472.6 | $225.3 | $1,026.7 |
| Capital Expenditure | $33.7 | $51.7 | $26.9 | $24.2 | $48.6 |
| Free Cash Flow | $500.4 | $717.8 | $445.7 | $201.1 | $978.1 |
Ratios
USD in millions, except per-share values and percentages.
| Metric | 12/31/2021 | 12/31/2022 | 12/31/2023 | 12/31/2024 | 12/31/2025 |
|---|---|---|---|---|---|
| Revenue Growth | 6.6% | 32.0% | 61.6% | 18.1% | 54.5% |
| Gross Margin | 3.2% | 21.0% | 45.7% | 52.7% | 51.6% |
| EBITDA Margin | - | - | - | - | - |
| Net Margin | 41.0% | 37.9% | 19.0% | 20.3% | 20.9% |
| FCF Margin | 58.1% | 63.1% | 24.2% | 9.3% | 29.2% |
| Diluted EPS Growth | 22.1% | 22.4% | -19.0% | 25.2% | 3.3% |
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