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UMB Financial cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$359M in Q3 2026 · $1.1B over twelve months

Operating cash flow$370M
Capital spending−$11.6M
Free cash flow+$359M
Cash / net income1.3×

Analysis

In Q3 2026, UMB Financial generated $370M of operating cash flow and spent $11.6M on capital projects, leaving free cash flow of $359M. That is $101M more than in Q3 2025 ($258M).

Over the twelve months to Sep 30, 2026, operating cash flow was $1.2B; the largest uses were other investing ($5.5B), dividends ($163M), net borrowing (+) / repaid (−) ($150M); besides operations, cash came from other financing ($434M); the cash balance fell by $4.2B.

Operating cash flow was $370M against net income of $278M — 1.3× profit, cash ran ahead of reported earnings. The largest differences: accrued liabilities +$40.5M, depreciation & amortization +$34.7M, other operating capital +$17.2M.

Free cash flow

UMB Financial: free cash flow by quarterUMB Financial: free cash flow by quarter−$77.1MQ4 2024$354MQ1 2025$271MQ2 2025$258MQ3 2025$95.3MQ4 2025$357MQ1 2026$331MQ2 2026$359MQ3 2026
Operating cash flow less capital spending.
UMB Financial: operating cash flow against capital spendingUMB Financial: operating cash flow against capital spendingOperating cash flowCapital spending−$66.9M$10.2MQ4 2024$363M$8.8MQ1 2025$285M$14.6MQ2 2025$272M$14.4MQ3 2025$106M$10.8MQ4 2025$361M$4.5MQ1 2026$349M$18.5MQ2 2026$370M$11.6MQ3 2026
Latest (Q3 2026): Operating cash flow $370M, Capital spending $11.6M.

Capital allocation, year by year

UMB Financial: where the cash came from (up) and went (down), by fiscal yearUMB Financial: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedAsset salesCapital spendingBuybacksDividendsFY2021: Operating cash flow $534MFY2021: Asset sales $3.9MFY2021: Capital spending −$33.7MFY2021: Buybacks −$5.5MFY2021: Dividends −$66.8M$538MFY2021FY2022: Operating cash flow $770MFY2022: Net borrowing $110MFY2022: Asset sales $6.7MFY2022: Capital spending −$51.7MFY2022: Buybacks −$32.0MFY2022: Dividends −$72.0M$886MFY2022FY2023: Operating cash flow $473MFY2023: Net borrowing $1.8BFY2023: Asset sales $3.8MFY2023: Capital spending −$23.1MFY2023: Buybacks −$8.4MFY2023: Dividends −$74.2M$2.3BFY2023FY2024: Operating cash flow $225MFY2024: Net borrowing −$1.8BFY2024: Asset sales $4.2MFY2024: Capital spending −$20.0MFY2024: Buybacks −$7.7MFY2024: Dividends −$77.1M$229MFY2024FY2025: Operating cash flow $1.0BFY2025: Net borrowing −$200MFY2025: Shares issued $529MFY2025: Capital spending −$48.6MFY2025: Buybacks −$17.6MFY2025: Dividends −$136M$1.6BFY2025
Over these 5 years operating cash flow totalled $3.0B; the largest uses were net borrowing ($2.0B) and dividends ($426M). Cash-flow statements as filed.

Where the cash came from and went

UMB Financial: sources (+) and uses (−) of cash, Q3 2026UMB Financial: sources (+) and uses (−) of cash, Q3 2026Other investing−$1.7BCash drawn (+) / kept (−)$1.0BOther financing$407MOperating cash flow$370MDividends−$43.8MCapital spending−$11.6M
UMB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026UMB Financial: sources (+) and uses (−) of cash, TTM to Q3 2026Other investing−$5.5BCash drawn (+) / kept (−)$4.2BOperating cash flow$1.2BOther financing$434MDividends−$163MNet borrowing (+) / repaid (−)−$150MCapital spending−$45.3MBuybacks−$38.0M

From profit to cash

UMB Financial: net income to operating cash flow, Q3 2026UMB Financial: net income to operating cash flow, Q3 2026Net income$278MDepreciation & amortization$34.7MStock-based pay$9.3MDeferred taxes−$16KGains on investments−$11.0MGains on disposals$1.6MAccrued liabilities$40.5MOther operating capital$17.2MOperating cash flow$370M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksDividendsNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$370M−$11.6M—−$43.8M——$1.0B$359M
Q2 2026$349M−$18.5M−$5.1M−$38.5M——$651M$331M
Q1 2026$361M−$4.5M−$32.8M−$39.6M——$1.5B$357M
Q4 2025$106M−$10.8M−$79K−$40.6M——$1.1B$95.3M
Q3 2025$272M−$14.4M−$1.8M−$32.5M−$189M$4K$2.2B$258M
Q2 2025$285M−$14.6M−$290K−$32.4M——−$386M$271M
Q1 2025$363M−$8.8M−$15.4M−$30.1M−$11.1M$235M−$2.2B$354M
Q4 2024−$66.9M−$10.2M—−$19.5M−$1.1B—−$1.2B−$77.1M

UMB Financial: income statement and cash flow

UMB Financial, Q3 2026: revenue $772M (+14% year over year), operating margin 44.3%. The chart follows the revenue to costs, profit and cash.

UMB Financial: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.