For the year ending 2025-12-31, UMBFO had -$676,718K decrease in cash & cash equivalents over the period. $978,109K in free cash flow.
| Cash Flow | 2025-12-31 |
|---|---|
| Net income | 702,398 |
| Provision for credit losses | 154,500 |
| Net (accretion) amortization of premiums and discounts from acquisition | 139,775 |
| Depreciation and amortization | 141,770 |
| Amortization of debt issuance costs | 745 |
| Deferred income tax expense (benefit) | 82,825 |
| Net decrease (increase) in trading securities and other earning assets | -6,202 |
| (gains) losses on investment securities, net | 30,967 |
| Losses (gains) on sales of assets | -105 |
| Amortization of securities premiums, net of discount accretion | 9,739 |
| Originations of loans held for sale | 101,890 |
| Gains on sales of loans held for sale, net | 2,742 |
| Proceeds from sales of loans held for sale | 105,358 |
| Equity-based compensation | 37,745 |
| Accrued income | 29,265 |
| Accrued expenses and taxes | 26,247 |
| Other assets and liabilities, net | -83,176 |
| Net cash provided by operating activities | 1,026,693 |
| Maturities, calls and principal repayments | 627,137 |
| Purchases | 507,706 |
| Sales | 646,962 |
| Maturities, calls and principal repayments | 1,661,802 |
| Purchases | 4,742,724 |
| Sales | 22,104 |
| Purchases | 602 |
| Sales | 52,176 |
| Maturities, calls and principal repayments | 14,958 |
| Purchases | 131,593 |
| Payment of tax equity investment commitments | 49,855 |
| Net increase in loans | 3,252,475 |
| Net (increase) decrease in fed funds sold and resell agreements | -1,003,093 |
| Net cash activity from acquisitions and divestitures | -169,262 |
| Net decrease (increase) in interest-bearing balances due from other financial institutions | 955,764 |
| Net purchases of bank premises and equipment | 48,584 |
| Purchases of bank-owned and company-owned life insurance | 35,977 |
| Proceeds from bank-owned and company-owned life insurance death benefit | 2,346 |
| Net cash used in investing activities | -5,620,098 |
| Net increase in demand and savings deposits | 3,098,494 |
| Net increase (decrease) increase in time deposits | 63,860 |
| Net increase (decrease) in fed funds purchased and repurchase agreements | 692,590 |
| Repayment from long-term debt | 200,000 |
| Cash dividends paid | 135,620 |
| Payment of common stock issuance costs | 524 |
| Proceeds from exercise of stock options and sales of treasury shares | 1,308 |
| Purchases of treasury stock | 17,628 |
| Common stock issuance | 235,141 |
| Preferred stock issuance | 294,066 |
| Preferred stock redemption | 115,000 |
| Net cash provided by financing activities | 3,916,687 |
| (decrease) increase in cash and cash equivalents | -676,718 |
| Cash and cash equivalents at beginning of year | 8,448,691 |
| Cash and cash equivalents at end of year | 7,771,973 |
UMB FINANCIAL CORP (UMBFO)
UMB FINANCIAL CORP (UMBFO)