For the quarter ending 2026-03-31, UMBF had -$1,510,633K decrease in cash & cash equivalents over the period. $356,756K in free cash flow.
| Cash Flow | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 |
|---|---|---|---|---|
| Net income | 261,438 | 215,355 | 188,316 | 298,727 |
| Provision for credit losses | 27,000 | 25,000 | 22,500 | 107,000 |
| Net (accretion) amortization of premiums and discounts from acquisition | - | 46,035 | 33,536 | 60,204 |
| Net accretion of premiums and discounts from acquisition | 45,184 | - | - | - |
| Depreciation and amortization | 35,094 | 37,397 | 37,012 | 67,361 |
| Amortization of debt issuance costs | 106 | 107 | 200 | 438 |
| Deferred income tax expense | 21,123 | 57,606 | 1,447 | 23,772 |
| Net increase in trading securities and other earning assets | 1,874 | -13,480 | 11,113 | -3,835 |
| (gains) losses on investment securities, net | 3,046 | 2,157 | -4,093 | 32,903 |
| Losses on sales of assets | -919 | -37 | -6 | -62 |
| Amortization of securities premiums, net of discount accretion | 2,935 | 7,673 | 3,894 | -1,828 |
| Originations of loans held for sale | 28,967 | 28,173 | 30,232 | 43,485 |
| Gains on sales of loans held for sale, net | 706 | 733 | 844 | 1,165 |
| Proceeds from sales of loans held for sale | 27,232 | 30,046 | 33,644 | 41,668 |
| Equity-based compensation | 13,423 | 9,313 | 7,723 | 20,709 |
| Accrued income | -6,954 | 17,994 | 4,255 | 7,016 |
| Accrued expenses and taxes | -123,188 | -16,086 | 64,268 | -21,935 |
| Other assets and liabilities, net | -173,884 | 163,413 | 3,126 | -249,715 |
| Net cash provided by operating activities | 361,273 | 106,077 | 272,209 | 648,407 |
| Maturities Prepayments And Calls Of Held To Maturity Securities | 101,529 | 124,815 | 156,025 | 346,297 |
| Held To Maturity Securities | 74,398 | 188,054 | 304,333 | 15,319 |
| Available For Sale Securities Debt | 51,771 | 22,737 | 7,871 | 616,354 |
| Maturities Prepayments And Calls Of Available For Sale Securities | 532,468 | 454,051 | 387,923 | 819,828 |
| Available For Sale Securities Debt | 606,550 | 727,375 | 1,443,586 | 2,571,763 |
| Equity Securities With Readily Determinable Fair Values | 20,431 | 22,104 | - | - |
| Equity Securities With Readily Determinable Fair Values | 105 | 107 | 103 | 392 |
| Equity Securities Without Readily Determinable Fair Values | 7,708 | 29,026 | 82 | 23,068 |
| Equity Securities Repayments And Calls Without Readily Determinable Fair Values | 9,901 | 401 | 3,461 | 11,096 |
| Net cash activity from acquisitions and divestitures | - | 874 | 4,849 | -174,985 |
| Equity Securities Without Readily Determinable Fair Values | 33,956 | 6,746 | 10,024 | 114,823 |
| Payment of tax equity investment commitments | 22,684 | 7,366 | 7,727 | 34,762 |
| Net increase in loans | 1,346,054 | 1,038,261 | 881,818 | 1,332,396 |
| Net decrease (increase) in fed funds sold and resell agreements | 23,424 | -782,980 | -27,922 | -192,191 |
| Net (increase) decrease in interest-bearing balances due from other financial institutions | -8,667 | 2,878 | -5,883 | 958,769 |
| Net purchases of premises and equipment | 4,517 | 10,759 | 14,398 | 23,427 |
| Purchases of bank-owned and company-owned life insurance | - | 35,977 | - | - |
| Proceeds from bank-owned and company-owned life insurance death benefit | - | 12 | 2,334 | - |
| Net cash (used in) provided by investing activities | -1,349,699 | -2,142,475 | -2,142,947 | -1,334,676 |
| Payment of common stock issuance costs | - | 0 | 0 | 524 |
| Net (decrease) increase in demand and savings deposits | -125,690 | 157,978 | 41,875 | 2,898,641 |
| Net decrease in time deposits | -550,344 | 362,969 | 106,389 | -405,498 |
| Net increase (decrease) in fed funds purchased and repurchase agreements | 225,800 | 486,341 | -94,009 | 300,258 |
| Repayment from long-term debt | - | 0 | 188,945 | 11,055 |
| Preferred stock issuance | - | 0 | 4 | 294,062 |
| Common stock issuance | - | 0 | 0 | 235,141 |
| Cash dividends paid | 39,611 | 40,614 | 32,502 | 62,504 |
| Proceeds from exercise of stock options and sales of treasury shares | 452 | 366 | 272 | 670 |
| Preferred stock redemption | - | 0 | 115,000 | - |
| Purchases of treasury stock | 32,814 | 79 | 1,825 | 15,724 |
| Net cash (used in) provided by financing activities | -522,207 | 966,961 | -283,741 | 3,233,467 |
| (decrease) increase in cash and cash equivalents | -1,510,633 | -1,069,437 | -2,154,479 | 2,547,198 |
| Cash and cash equivalents at beginning of period | 7,771,973 | 8,841,410 | 8,448,691 | - |
| Cash and cash equivalents at end of period | 6,261,340 | 7,771,973 | 8,841,410 | - |
UMB FINANCIAL CORP (UMBF)
UMB FINANCIAL CORP (UMBF)