For the quarter ending 2025-09-30, UMBF had -$2,154,479K decrease in cash & cash equivalents over the period. $257,811K in free cash flow.
| Cash Flow | 2025-09-30 | 2025-06-30 |
|---|---|---|
| Net income | 188,316 | 298,727 |
| Provision for credit losses | 22,500 | 107,000 |
| Net (accretion) amortization of premiums and discounts from acquisition | 33,536 | 60,204 |
| Depreciation and amortization | 37,012 | 67,361 |
| Amortization of debt issuance costs | 200 | 438 |
| Deferred income tax expense (benefit) | 1,447 | 23,772 |
| Net increase in trading securities and other earning assets | 11,113 | -3,835 |
| Gains on investment securities, net | -4,093 | 32,903 |
| Losses (gains) on sales of assets | -6 | -62 |
| Amortization of securities premiums, net of discount accretion | 3,894 | -1,828 |
| Originations of loans held for sale | 30,232 | 43,485 |
| Gains on sales of loans held for sale, net | 844 | 1,165 |
| Proceeds from sales of loans held for sale | 33,644 | 41,668 |
| Equity-based compensation | 7,723 | 20,709 |
| Accrued income | 4,255 | 7,016 |
| Accrued expenses and taxes | 64,268 | -21,935 |
| Other assets and liabilities, net | 3,126 | -249,715 |
| Net cash provided by operating activities | 272,209 | 648,407 |
| Maturities, calls and principal repayments | 156,025 | 346,297 |
| Purchases | 304,333 | 15,319 |
| Sales | 7,871 | 616,354 |
| Maturities, calls and principal repayments | 387,923 | 819,828 |
| Purchases | 1,443,586 | 2,571,763 |
| Purchases | 103 | 392 |
| Sales | 82 | 23,068 |
| Maturities, calls and principal repayments | 3,461 | 11,096 |
| Purchases | 10,024 | 114,823 |
| Payment of tax equity investment commitments | 7,727 | 34,762 |
| Net increase in loans | 881,818 | 1,332,396 |
| Net increase in fed funds sold and resell agreements | -27,922 | -192,191 |
| Net cash activity from acquisitions and divestitures | 4,849 | -174,985 |
| Net decrease (increase) in interest-bearing balances due from other financial institutions | -5,883 | 958,769 |
| Net purchases of premises and equipment | 14,398 | 23,427 |
| Proceeds from bank-owned and company-owned life insurance death benefit | 2,334 | - |
| Net cash used in investing activities | -2,142,947 | -1,334,676 |
| Net increase in demand and savings deposits | 41,875 | 2,898,641 |
| Net decrease in time deposits | 106,389 | -405,498 |
| Net increase (decrease) in fed funds purchased and repurchase agreements | -94,009 | 300,258 |
| Repayment of long-term debt | 188,945 | 11,055 |
| Cash dividends paid | 32,502 | 62,504 |
| Payment of common stock issuance costs | 0 | 524 |
| Proceeds from exercise of stock options and sales of treasury shares | 272 | 670 |
| Purchases of treasury stock | 1,825 | 15,724 |
| Common stock issuance | 0 | 235,141 |
| Preferred stock issuance | 4 | 294,062 |
| Preferred stock redemption | 115,000 | - |
| Net cash provided by financing activities | -283,741 | 3,233,467 |
| Increase in cash and cash equivalents | -2,154,479 | 2,547,198 |
| Cash and cash equivalents at beginning of period | 8,448,691 | - |
| Cash and cash equivalents at end of period | 8,841,410 | - |
UMB FINANCIAL CORP (UMBF)
UMB FINANCIAL CORP (UMBF)