For the quarter ending 2025-09-30, UMBFO had $392,719K increase in cash & cash equivalents over the period. $882,791K in free cash flow.
| Cash Flow | 2025-09-30 |
|---|---|
| Net income | 487,043 |
| Provision for credit losses | 129,500 |
| Net (accretion) amortization of premiums and discounts from acquisition | 93,740 |
| Depreciation and amortization | 104,373 |
| Amortization of debt issuance costs | 638 |
| Deferred income tax expense (benefit) | 25,219 |
| Net increase in trading securities and other earning assets | 7,278 |
| Gains on investment securities, net | 28,810 |
| Losses (gains) on sales of assets | -68 |
| Amortization of securities premiums, net of discount accretion | 2,066 |
| Originations of loans held for sale | 73,717 |
| Gains on sales of loans held for sale, net | 2,009 |
| Proceeds from sales of loans held for sale | 75,312 |
| Equity-based compensation | 28,432 |
| Accrued income | 11,271 |
| Accrued expenses and taxes | 42,333 |
| Other assets and liabilities, net | -246,589 |
| Net cash provided by operating activities | 920,616 |
| Maturities, calls and principal repayments | 502,322 |
| Purchases | 319,652 |
| Sales | 624,225 |
| Maturities, calls and principal repayments | 1,207,751 |
| Purchases | 4,015,349 |
| Purchases | 495 |
| Sales | 23,150 |
| Maturities, calls and principal repayments | 14,557 |
| Purchases | 124,847 |
| Payment of tax equity investment commitments | 42,489 |
| Net increase in loans | 2,214,214 |
| Net increase in fed funds sold and resell agreements | -220,113 |
| Net cash activity from acquisitions and divestitures | -170,136 |
| Net decrease (increase) in interest-bearing balances due from other financial institutions | 952,886 |
| Net purchases of premises and equipment | 37,825 |
| Proceeds from bank-owned and company-owned life insurance death benefit | 2,334 |
| Net cash used in investing activities | -3,477,623 |
| Net increase in demand and savings deposits | 2,940,516 |
| Net decrease in time deposits | -299,109 |
| Net increase (decrease) in fed funds purchased and repurchase agreements | 206,249 |
| Repayment of long-term debt | 200,000 |
| Cash dividends paid | 95,006 |
| Payment of common stock issuance costs | 524 |
| Proceeds from exercise of stock options and sales of treasury shares | 942 |
| Purchases of treasury stock | 17,549 |
| Common stock issuance | 235,141 |
| Preferred stock issuance | 294,066 |
| Preferred stock redemption | 115,000 |
| Net cash provided by financing activities | 2,949,726 |
| Increase in cash and cash equivalents | 392,719 |
| 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 (UMBFO)
UMB FINANCIAL CORP (UMBFO)