For the quarter ending 2026-03-31, UMBFO 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 |
|---|---|---|---|
| Net income | 261,438 | 215,355 | 487,043 |
| Provision for credit losses | 27,000 | 25,000 | 129,500 |
| Net (accretion) amortization of premiums and discounts from acquisition | - | 46,035 | 93,740 |
| Net accretion of premiums and discounts from acquisition | 45,184 | - | - |
| Depreciation and amortization | 35,094 | 37,397 | 104,373 |
| Amortization of debt issuance costs | 106 | 107 | 638 |
| Deferred income tax expense | 21,123 | 57,606 | 25,219 |
| Net increase in trading securities and other earning assets | 1,874 | -13,480 | 7,278 |
| (gains) losses on investment securities, net | 3,046 | 2,157 | 28,810 |
| Losses on sales of assets | -919 | -37 | -68 |
| Amortization of securities premiums, net of discount accretion | 2,935 | 7,673 | 2,066 |
| Originations of loans held for sale | 28,967 | 28,173 | 73,717 |
| Gains on sales of loans held for sale, net | 706 | 733 | 2,009 |
| Proceeds from sales of loans held for sale | 27,232 | 30,046 | 75,312 |
| Equity-based compensation | 13,423 | 9,313 | 28,432 |
| Accrued income | -6,954 | 17,994 | 11,271 |
| Accrued expenses and taxes | -123,188 | -16,086 | 42,333 |
| Other assets and liabilities, net | -173,884 | 163,413 | -246,589 |
| Net cash provided by operating activities | 361,273 | 106,077 | 920,616 |
| Maturities Prepayments And Calls Of Held To Maturity Securities | 101,529 | 124,815 | 502,322 |
| Held To Maturity Securities | 74,398 | 188,054 | 319,652 |
| Available For Sale Securities Debt | 51,771 | 22,737 | 624,225 |
| Maturities Prepayments And Calls Of Available For Sale Securities | 532,468 | 454,051 | 1,207,751 |
| Available For Sale Securities Debt | 606,550 | 727,375 | 4,015,349 |
| Equity Securities With Readily Determinable Fair Values | 20,431 | 22,104 | - |
| Equity Securities With Readily Determinable Fair Values | 105 | 107 | 495 |
| Equity Securities Without Readily Determinable Fair Values | 7,708 | 29,026 | 23,150 |
| Equity Securities Repayments And Calls Without Readily Determinable Fair Values | 9,901 | 401 | 14,557 |
| Equity Securities Without Readily Determinable Fair Values | 33,956 | 6,746 | 124,847 |
| Payment of tax equity investment commitments | 22,684 | 7,366 | 42,489 |
| Net increase in loans | 1,346,054 | 1,038,261 | 2,214,214 |
| Net decrease (increase) in fed funds sold and resell agreements | 23,424 | -782,980 | -220,113 |
| Net cash activity from acquisitions and divestitures | - | 874 | -170,136 |
| Net (increase) decrease in interest-bearing balances due from other financial institutions | -8,667 | 2,878 | 952,886 |
| Net purchases of premises and equipment | 4,517 | 10,759 | 37,825 |
| 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 | -3,477,623 |
| Net (decrease) increase in demand and savings deposits | -125,690 | 157,978 | 2,940,516 |
| Net decrease in time deposits | -550,344 | 362,969 | -299,109 |
| Net increase (decrease) in fed funds purchased and repurchase agreements | 225,800 | 486,341 | 206,249 |
| Repayment from long-term debt | - | 0 | 200,000 |
| Cash dividends paid | 39,611 | 40,614 | 95,006 |
| Payment of common stock issuance costs | - | 0 | 524 |
| Proceeds from exercise of stock options and sales of treasury shares | 452 | 366 | 942 |
| Purchases of treasury stock | 32,814 | 79 | 17,549 |
| Common stock issuance | - | 0 | 235,141 |
| Preferred stock issuance | - | 0 | 294,066 |
| Preferred stock redemption | - | 0 | 115,000 |
| Net cash (used in) provided by financing activities | -522,207 | 966,961 | 2,949,726 |
| (decrease) increase in cash and cash equivalents | -1,510,633 | -1,069,437 | 392,719 |
| 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 (UMBFO)
UMB FINANCIAL CORP (UMBFO)