UMBF Stock Cash Flow Statements

UMB Financial Quarterly Cash Flow Statements Chart

Quarterly

Annual

Operating Cash Flow

Investing Cash Flow

Financing Cash Flow

UMB Financial Quarterly Cash Flow Statements Table

Quarterly

Annual

Unit: USD	2025-06-30	2025-03-31	2024-03-31	2023-03-31	2022-12-31	2022-09-30	2022-06-30	2022-03-31	2021-12-31	2021-09-30	2021-06-30	2021-03-31	2020-12-31	2020-09-30	2020-06-30	2020-03-31	2019-12-31	2019-09-30	2019-06-30	2019-03-31	2018-12-31	2018-09-30	2018-06-30	2018-03-31	2017-12-31	2017-09-30	2017-06-30	2017-03-31	2016-12-31	2016-09-30	2016-06-30	2016-03-31	2015-12-31	2015-09-30	2015-06-30	2015-03-31	2014-12-31	2014-09-30	2014-06-30	2014-03-31	2013-12-31	2013-09-30	2013-06-30	2013-03-31	2012-12-31	2012-09-30	2012-06-30	2012-03-31	2011-12-31	2011-09-30	2011-06-30	2011-03-31	2010-12-31	2010-09-30	2010-06-30	2010-03-31	2009-12-31	2009-09-30	2009-06-30	2009-03-31

operating activities
net income	217,394,000	81,333,000	110,258,000	92,437,000	100,173,000	87,990,000	137,556,000	105,963,000	78,496,000	94,467,000	87,412,000	92,643,000	156,320,000	73,092,000	60,529,000	-3,439,000	66,515,000	62,382,000	56,959,000	57,744,000	25,454,000	57,849,000	55,424,000	56,786,000	111,961,000	48,142,000	42,821,000	44,181,000	42,934,000	42,325,000	37,297,000	36,245,000	29,643,000	22,451,000	30,214,000	33,765,000	26,940,000	35,630,000	34,672,000	23,413,000	34,663,000	34,432,000	29,929,000	34,941,000	21,060,000	26,125,000	29,165,000	46,367,000	23,266,000	26,015,000	26,321,000	30,870,000	19,032,000	22,772,000	23,013,000	26,185,000	23,858,000	23,998,000	19,027,000	22,601,000
adjustments to reconcile net income to net cash from operating activities:
benefit from credit losses	21,000,000	86,000,000	10,000,000	23,250,000	9,000,000	22,000,000	13,400,000	-6,500,000	8,500,000	-5,000,000	24,000,000	-7,500,000	5,000,000	16,000,000	21,500,000	88,000,000
net amortization of premiums and discounts from acquisition	-33,769,000	-26,435,000	276,000	267,000	283,000	321,000	357,000	379,000	145,000					229,000	99,000	-275,000
depreciation and amortization	37,995,000	29,366,000	13,817,000	15,388,000	14,271,000	13,557,000	13,042,000	13,152,000	14,011,000	14,022,000	13,672,000	14,042,000	16,355,000	15,394,000	15,463,000	15,591,000	14,870,000	14,072,000	13,702,000	13,614,000	13,335,000	13,237,000	13,173,000	13,371,000	13,337,000	13,003,000	14,160,000	14,375,000	13,607,000	13,544,000	13,700,000	13,705,000	14,253,000	14,471,000	12,235,000	11,792,000	11,940,000	11,761,000	11,310,000	11,344,000	11,223,000	10,994,000	11,035,000	10,969,000	10,271,000	10,071,000	10,295,000	10,210,000	10,211,000	10,319,000	11,196,000	11,205,000	10,530,000	10,167,000	9,509,000	9,170,000	10,164,000	9,226,000	9,156,000	9,561,000
amortization of debt issuance costs	219,000	219,000	219,000	218,000	218,000	113,000	112,000	113,000	112,000	113,000	112,000	113,000	112,000
deferred income tax expense	7,062,000	16,710,000									-9,421,000	10,246,000								295,000					58,183,000				1,845,000	-1,754,000															2,266,000	533,000
net decrease (increase) in trading securities and other earning assets					-3,590,000	-4,744,000	7,413,000	14,816,000												4,507,000												3,219,000	-247,000
gains on investment securities					409,000	1,345,000			-1,448,000	3,510,000
losses (gains) on sales of assets	44,000	18,000																						142,000											-76,000	81,000
amortization of securities premiums, net of discount accretion	-3,298,000	5,126,000	6,425,000	10,662,000	10,567,000	11,653,000	11,784,000	11,180,000	11,453,000	12,641,000	14,497,000	14,876,000	12,245,000	12,067,000	11,195,000	8,795,000	9,290,000	8,349,000	8,462,000	8,859,000	9,867,000	11,259,000	11,007,000	11,640,000	11,530,000	12,432,000	12,058,000	12,081,000	11,000,000	14,387,000	14,527,000	14,553,000	16,330,000	14,506,000	12,918,000	13,547,000	12,943,000	12,710,000	12,613,000	13,276,000	12,909,000	13,295,000	13,611,000	13,433,000	13,158,000	12,411,000	12,237,000	12,629,000	12,817,000	11,470,000	10,492,000	10,130,000	9,349,000	8,155,000	7,285,000	7,299,000	7,443,000	7,410,000	6,896,000	3,963,000
originations of loans held for sale	-25,206,000	-18,279,000	-17,979,000	-12,901,000	-13,299,000	-13,209,000	-12,801,000	-8,330,000	-24,889,000	-28,486,000	-38,834,000	-45,128,000	-53,709,000	224,318,000	-221,603,000	-77,129,000	-93,855,000	-67,622,000	-35,701,000	-19,156,000	-18,851,000	-15,334,000	-12,982,000	-12,520,000	-11,956,000	-20,398,000	-21,991,000	-10,818,000	-20,712,000	-28,581,000	-28,800,000	-14,345,000	-17,393,000	-19,509,000	-33,836,000	-25,586,000	-20,171,000	-19,085,000	-20,797,000	-11,545,000	-16,483,000	-24,602,000	-37,790,000	-39,543,000	-58,504,000	-71,835,000	-56,101,000	-51,557,000	-57,974,000	-52,015,000	-38,310,000	-55,800,000	-86,358,000	-51,311,000	-53,719,000	-26,577,000	-45,902,000	-51,195,000	-84,416,000	-67,157,000
gains on sales of loans held for sale	-712,000	-453,000	-415,000	-235,000	-285,000	-301,000	-339,000	-270,000	-834,000	-1,052,000	-1,640,000	-1,602,000	-2,044,000	-1,110,000	-490,000	-320,000	-450,000	-484,000	-259,000	-177,000	-217,000	-416,000	-280,000	-270,000	-373,000
proceeds from sales of loans held for sale	25,279,000	16,389,000	18,399,000	13,692,000	14,476,000	11,390,000	12,774,000	9,493,000	29,091,000	30,196,000	45,446,000	43,163,000	60,023,000	-225,973,000	223,465,000	75,667,000	97,527,000	59,852,000	34,456,000	21,258,000	18,098,000	17,010,000	14,366,000	9,664,000	15,394,000	19,759,000	20,928,000	14,462,000	27,806,000	27,606,000	23,807,000	10,303,000	18,017,000	21,619,000	34,643,000	23,411,000	21,588,000	20,842,000	19,055,000	11,983,000	18,437,000	28,436,000	37,626,000	37,326,000	69,010,000	69,570,000	55,851,000	51,914,000	59,780,000	47,122,000	38,746,000	64,248,000	83,931,000	50,896,000	61,062,000	26,564,000	48,107,000	70,224,000	81,656,000	54,633,000
equity-based compensation	7,879,000	12,830,000	4,974,000	5,235,000		4,839,000	5,738,000	6,164,000		4,792,000	4,152,000	5,152,000		3,740,000	3,292,000	3,410,000		3,924,000	3,717,000	3,893,000		3,269,000	2,930,000	2,765,000		3,332,000
changes in:
accrued income	-19,287,000	12,271,000	289,000	7,645,000	-35,466,000	-8,885,000	-17,731,000	3,860,000	-8,304,000	8,390,000	345,000	4,156,000	-7,318,000	-5,612,000	-15,083,000	12,629,000	-5,484,000	5,372,000	-7,389,000	-6,839,000	-6,156,000	-3,879,000	-2,501,000	1,231,000	-5,170,000	-3,954,000	-2,087,000	2,010,000	-6,029,000	-366,000	-2,648,000	125,000	-2,264,000	-2,884,000	-1,141,000	-786,000	-2,034,000	-3,458,000	1,579,000	2,832,000	-6,186,000	-213,000	-1,307,000	-761,000	350,000	1,297,000	2,547,000	2,054,000	-808,000	2,940,000	-4,379,000	2,903,000	-12,663,000	-2,180,000	-295,000	3,434,000	-145,000	-3,728,000	707,000	2,730,000
accrued expenses and taxes	37,526,000	-59,461,000	-14,972,000	-31,991,000	27,523,000	29,916,000	4,055,000	-72,489,000	9,246,000	206,000	27,009,000	-88,201,000	53,686,000	15,472,000	25,338,000	-2,803,000	10,474,000	23,174,000	56,517,000	-13,319,000	6,169,000	23,940,000	17,855,000	-61,711,000	-61,817,000	32,508,000	18,483,000	-29,980,000	9,323,000	16,691,000	28,537,000	-40,439,000	-4,649,000	13,325,000	12,435,000	-25,614,000	18,880,000	30,508,000	19,514,000	-28,557,000	32,691,000	10,966,000	29,391,000	-11,956,000	3,012,000	15,404,000	9,242,000	-19,282,000	-491,000	11,808,000	2,986,000	2,687,000	3,359,000	-7,214,000	3,461,000	640,000	-4,705,000	8,320,000	2,328,000	-1,947,000
other assets and liabilities	40,182,000	209,533,000	-38,799,000	-121,537,000	17,501,000	70,313,000	94,396,000	119,007,000	20,620,000	82,902,000	-82,060,000	78,096,000	-919,000	-17,330,000	-30,834,000	-79,008,000	7,366,000	-56,473,000	-26,748,000	-36,453,000	-44,120,000	15,666,000	1,247,000	8,345,000	37,552,000	7,304,000	-14,107,000	-5,533,000	18,508,000	-5,184,000	-11,307,000	2,025,000	-19,473,000	-15,229,000	16,481,000	-3,834,000	-15,932,000	10,508,000	11,043,000	-25,719,000	2,586,000	-371,000	-24,428,000	11,790,000	-2,491,000	-4,199,000	4,963,000	-19,069,000	10,915,000	-18,195,000	-9,360,000	16,385,000	12,834,000	2,883,000	4,170,000	-5,423,000	-37,120,000	-2,507,000	-3,738,000	6,263,000
net cash from operating activities	285,386,000	363,021,000	56,144,000	1,696,000	144,445,000	219,300,000	209,757,000	196,052,000	171,720,000	185,105,000	61,317,000	115,940,000	157,965,000	113,948,000	92,327,000	9,358,000	150,915,000	56,545,000	87,760,000	46,205,000	73,011,000	125,271,000	79,196,000	19,619,000	82,236,000	125,043,000	102,579,000	16,668,000	126,673,000	87,535,000	54,486,000	27,746,000	38,238,000	66,988,000	83,426,000	22,309,000	62,156,000	91,045,000	108,522,000	-17,944,000	102,084,000	71,192,000	86,577,000	35,345,000	46,685,000	81,948,000	84,960,000	10,151,000	80,161,000	14,151,000	47,082,000	71,649,000	41,093,000	46,076,000	46,880,000	45,945,000	19,579,000	56,030,000	34,092,000	36,989,000
investing activities
securities held to maturity:
maturities, calls and principal repayments	230,666,000	115,631,000	95,031,000	86,856,000	110,131,000	126,965,000	153,226,000	70,091,000	56,614,000	31,907,000	60,742,000	49,520,000
purchases	-6,270,000	-9,049,000	-23,686,000	-80,097,000	-43,674,000	-95,134,000	-517,294,000	-334,546,000	-447,682,000	-37,322,000	-102,081,000	-77,576,000
securities available for sale:
sales	4,931,000	611,423,000	19,153,000	68,000					77,098,000	118,744,000	47,674,000	129,128,000
equity securities with readily determinable fair values:
equity securities without readily determinable fair values:
payment of tax equity investment commitments	-12,891,000	-21,871,000
net increase in loans	-850,570,000	-481,826,000	-359,617,000	-786,426,000	-1,149,805,000	-912,656,000	-1,280,805,000	-608,888,000	-709,231,000	438,439,000	-448,120,000	-398,795,000	-155,112,000	-650,031,000	-1,363,527,000	-525,091,000	-392,659,000	-145,370,000	-362,990,000	-383,799,000	-261,519,000	-335,522,000	-185,009,000	-188,349,000	-289,134,000	-158,649,000	-99,985,000	-222,959,000	-252,242,000	-216,696,000	-386,035,000	-274,053,000	-383,539,000	-130,971,000	-439,996,000	-33,928,000	-366,807,000	-186,415,000	-167,527,000	-242,279,000	-15,137,000	-171,105,000	-331,397,000	-327,354,000	-296,234,000	-77,360,000	-177,142,000	-187,607,000	-191,440,000	-49,765,000	-72,524,000	-93,503,000	-8,975,000	-140,235,000
net increase in fed funds sold and resell agreements	-101,122,000	-91,069,000						-103,452,000													-420,589,000								-79,436,000	-48,608,000										-21,968,000
net cash activity from acquisitions and divestitures	0	174,985,000	-110,789,000		290,857,000	0	-7,872,000	265,639,000	0	0	1,808,000	16,623,000		0	0	24,000	-12,273,000				-11,271,000	-510,000	0	2,874,000
net decrease (increase) in interest-bearing balances due from other financial institutions	2,329,000	956,440,000					24,228,000	14,368,000	-3,172,000																																													81,319,000
net purchases of premises and equipment
net cash from investing activities	-1,997,880,000	663,204,000	158,393,000	-41,776,000	-936,958,000	-388,917,000	-1,705,075,000	-814,435,000	-2,172,588,000	-395,171,000	-581,141,000	-1,086,590,000	-1,347,192,000	-670,012,000	-2,705,006,000	231,123,000	-1,670,010,000	-514,968,000	-544,920,000	-270,531,000	-1,210,273,000	-457,246,000	-3,019,000	-79,755,000	-332,049,000	-89,508,000	171,412,000	-228,433,000	-794,391,000	61,199,000	-356,873,000	-412,378,000	-757,934,000	-171,052,000	-427,102,000	25,851,000	-663,985,000	-330,257,000	-150,243,000	-286,494,000	-110,176,000	-6,196,000	-667,244,000	-237,232,000	-839,835,000	-208,281,000	-241,160,000	-252,255,000	-548,971,000	-331,177,000	8,859,000	148,917,000	-886,234,000	-205,345,000	-301,659,000	414,021,000	-737,325,000	-632,342,000	1,440,000	1,004,575,000
financing activities
net increase in demand and savings deposits	1,365,323,000	1,533,318,000	1,550,733,000		402,551,000	3,779,000	-2,835,172,000	-1,207,226,000	4,097,157,000	1,280,971,000	1,753,931,000	1,441,071,000	2,123,712,000	384,198,000	3,476,746,000	-186,380,000	2,034,122,000	-52,452,000	-71,792,000	332,490,000					1,867,540,000	12,677,000	38,054,000	-610,428,000	1,137,897,000	-206,912,000	123,170,000	543,871,000	40,365,000	614,935,000			560,925,000	638,039,000	115,827,000	-1,140,073,000	294,791,000	1,187,416,000	-803,789,000	1,121,789,000	872,220,000	347,905,000	-335,752,000	852,699,000	569,865,000	-463,001,000	-407,520,000	1,587,474,000	277,563,000	143,936,000			427,204,000			-45,008,000
net decrease in time deposits	98,797,000	-504,295,000					-33,651,000	-264,608,000		-93,632,000	13,748,000	-211,530,000		-105,695,000	-192,862,000	-241,344,000		-38,433,000	106,807,000	-248,535,000				-293,085,000				-65,002,000	54,468,000	-63,434,000	107,502,000	-217,851,000		-49,502,000	90,445,000	-394,080,000		-58,891,000	-186,978,000	-234,922,000		123,878,000	-25,919,000	-215,696,000	149,356,000	-64,975,000	-82,391,000	-274,617,000		-55,777,000	-51,435,000	-243,459,000				-255,508,000				-3,505,000
net increase in fed funds purchased and repurchase agreements	372,623,000	-72,365,000	105,830,000		-92,001,000	-347,115,000	-179,252,000	-397,900,000	738,095,000	-283,049,000	23,571,000	444,321,000	386,493,000	-34,690,000			105,508,000	82,116,000	214,836,000	-24,872,000			311,543,000	93,911,000	-596,133,000	-29,533,000	-503,994,000	533,427,000	-164,186,000			-136,339,000	475,462,000	-431,835,000	55,355,000	-306,052,000	313,323,000	104,515,000
proceeds from short-term debt				13,281,000,000									0	0	0	15,000,000
repayment of short-term debt				-10,481,000,000
repayment of long-term debt	0	-11,055,000															-1,579,000	-1,884,000	-58,000	-1,305,000	-99,000	-416,000	-240,000	-898,000	-33,000	-265,000	-288,000	-938,000	-418,000	-10,013,000	-180,000	-1,092,000	-219,000	-17,000	-9,370,000	-1,210,000	-257,000	-178,000	-70,000	-1,060,000	-75,000	-133,000	-130,000	-972,000	-253,000	-157,000	-163,000	-1,106,000	-1,312,000	-204,000	-173,000	-2,366,000	-199,000	-275,000	-13,696,000	-1,246,000	-6,900,000	-715,000	-3,686,000	-1,166,000
cash dividends paid	-32,387,000	-30,117,000	-19,012,000	-18,432,000	-18,364,000	-17,876,000	-17,873,000	-17,917,000	-17,934,000	-17,881,000	-15,479,000	-15,456,000	-15,356,000	-14,885,000	-14,890,000	-15,150,000	-15,217,000	-14,722,000	-14,720,000	-14,777,000	-14,750,000	-14,467,000	-14,531,000	-14,531,000	-13,705,000	-12,715,000	-12,746,000	-12,710,000	-12,653,000	-12,142,000	-12,161,000	-12,082,000	-11,863,000	-11,809,000	-11,579,000	-10,716,000	-10,685,000	-10,246,000	-10,232,000	-10,201,000	-10,166,000	-8,747,000	-8,729,000	-8,526,000	-8,841,000	-8,320,000	-8,324,000	-8,302,000	-8,273,000	-7,874,000	-7,903,000	-7,751,000	-7,882,000	-7,485,000	-7,484,000	-7,477,000	-7,470,000	-7,078,000	-7,066,000	-7,178,000
payment of common stock issuance costs	0	-524,000
proceeds from exercise of stock options and sales of treasury shares	189,000	481,000	281,000	432,000	800,000	307,000	414,000	615,000	4,272,000	351,000	2,188,000	12,237,000	2,197,000	210,000	325,000	2,454,000	1,020,000	1,357,000	812,000	1,448,000	2,438,000	1,881,000	2,467,000	5,532,000	2,238,000	796,000	6,726,000	4,107,000	6,661,000	1,814,000	4,360,000	4,076,000	6,112,000	1,962,000	2,075,000	1,457,000	2,546,000	1,562,000	2,146,000	2,712,000	3,698,000	1,883,000	3,252,000	961,000	1,459,000	2,951,000	1,780,000	1,340,000	1,217,000	382,000	575,000	269,000	1,237,000	188,000	448,000	407,000	609,000	274,000	650,000	441,000
purchases of treasury stock	-290,000	-15,434,000	-7,537,000	-7,902,000	-191,000	0	-9,319,000	-22,487,000	-1,237,000	-181,000	-61,000	-4,027,000	-4,201,000	-106,000	-73,000	-59,386,000	-161,000	-221,000	-28,000	-4,086,000	-50,090,000	-20,206,000	-260,000	-5,951,000	-907,000	-10,090,000	-251,000	-4,028,000	-2,178,000	-608,000	-701,000	-12,880,000	-2,284,000	-794,000	-70,000	-5,309,000	-1,883,000	-693,000	-298,000	-2,867,000	-950,000	-801,000	-94,000	-1,656,000	-14,357,000	-778,000	-2,618,000	-2,666,000	-707,000	-5,053,000	-2,009,000	-1,373,000	-1,325,000	-2,343,000	-2,250,000	-2,961,000	-563,000	-9,033,000	-4,855,000	-12,443,000
common stock issuance	0	235,141,000																																							30,253,000
preferred stock issuance
net cash from financing activities	2,098,317,000	1,135,150,000	1,200,313,000	2,005,510,000	339,869,000	63,648,000	-3,074,853,000	-1,909,523,000	5,087,313,000	886,579,000	1,777,898,000	1,666,616,000	2,667,555,000	426,704,000	3,342,023,000	-490,397,000				40,363,000	1,826,690,000	844,245,000	-533,208,000	-726,672,000	1,417,859,000	-148,869,000	-309,071,000	-155,572,000	1,021,091,000	-63,989,000	329,118,000	164,638,000	508,008,000	123,008,000	320,660,000	-800,518,000	1,168,839,000	675,913,000	-453,663,000	-999,087,000	650,338,000	876,014,000	-347,975,000	763,307,000	1,618,070,000	26,348,000	-529,527,000	109,659,000	1,357,241,000			925,773,000	1,078,333,000	202,053,000	272,118,000	-949,309,000	1,420,088,000	244,216,000	-334,695,000	-770,561,000
increase in cash and cash equivalents	385,823,000	2,161,375,000	1,414,850,000	1,965,430,000	-452,644,000	-105,969,000	-4,570,171,000	-2,527,906,000	3,086,445,000	676,513,000	1,258,074,000	695,966,000	1,478,328,000	-129,360,000																							567,010,000
cash and cash equivalents at beginning of period	0	8,448,691,000	5,528,258,000	1,557,874,000		0	0	9,214,564,000		0	0	3,497,566,000		0	0	1,669,170,000		0	0	1,674,121,000		0	0	1,716,262,000		0	0	1,063,967,000		0	0	819,112,000		0	0	1,787,230,000				2,582,428,000				1,366,394,000				1,459,631,000				1,033,617,000
cash and cash equivalents at end of period	385,823,000	10,610,066,000	6,943,108,000	3,523,304,000		-105,969,000	-4,570,171,000	6,686,658,000		676,513,000	1,258,074,000	4,193,532,000		-129,360,000	729,344,000	1,419,254,000		-482,662,000	-214,538,000	1,490,158,000		512,270,000	-457,031,000	929,454,000		-113,334,000	-35,080,000	696,630,000		84,745,000	26,731,000	599,118,000		18,944,000	-23,016,000	1,034,872,000				1,278,903,000				1,927,814,000				1,327,186,000				2,179,956,000
supplemental disclosures:
income tax payments	18,670,000	1,732,000	1,328,000		21,899,000	25,268,000			22,972,000									1,450,000
total interest payments	372,911,000	326,798,000	268,768,000		104,918,000	60,325,000			9,139,000									50,433,000	55,987,000	39,524,000
noncash disclosures:
acquisition of tax equity investments	15,278,000	14,036,000
commitment to fund tax equity investments	15,278,000	14,036,000
transfer of loans to other real estate owned	414,000	486,000	794,000		0	68,000
transfer of loans to other repossessed assets	29,000	10,000
issuance of common stock as consideration for acquisition
issuance of preferred stock as consideration for acquisition
stock based compensation as consideration for acquisition
net increase in trading securities and other earning assets		-6,928,000	-22,094,000	-1,843,000					37,007,000	-28,330,000	-9,656,000	-9,350,000		3,011,000	9,196,000	-17,789,000		-2,646,000			19,694,000	-14,841,000	-1,114,000	-13,628,000				-35,278,000								-1,335,000				-17,121,000				-16,824,000				-10,554,000				-11,580,000
losses (gains) on investment securities		4,782,000										8,336,000
purchases of premises and equipment		-8,823,000	-2,376,000	-9,428,000		-17,457,000	-8,246,000	-8,643,000		-5,312,000	-9,433,000	-5,958,000		-11,402,000	-17,709,000	-17,652,000	-24,584,000	-24,902,000	-12,761,000	-10,066,000	-21,209,000	-14,579,000	-13,513,000	-8,639,000	-11,699,000	-13,425,000	-6,338,000	-4,985,000	-11,891,000	-21,424,000	-9,027,000	-8,499,000	-11,660,000	-12,621,000	-14,625,000	-14,854,000
proceeds from sales of premises and equipment		232,000	2,535,000	65,000		-212,000	3,676,000	2,968,000		-162,000	1,755,000	73,000		77,000	31,000	8,389,000	1,373,000	298,000	961,000	2,904,000	4,916,000	437,000			1,387,000	1,617,000	-140,000	173,000	-404,000	541,000	943,000	680,000	922,000	30,000	88,000	29,000
issuance of common stock as consideration for htlf acquisition		2,783,510,000
issuance of preferred stock as consideration for htlf acquisition		115,230,000
stock based compensation as consideration for htlf acquisition		20,389,000
deferred income tax benefit			-3,037,000	-3,855,000	24,000				-9,321,000														-26,943,000	-7,760,000				-322,000				-1,417,000		-3,699,000	-1,054,000	-1,523,000		-1,548,000	-1,539,000	-2,822,000				-2,591,000				-1,322,000	3,543,000	-1,282,000	-2,104,000	-354,000	-3,877,000			-3,087,000
(gains) losses on investment securities			-9,371,000
gains on sales of assets			-1,846,000	-60,000	143,000	-22,000	-830,000	-2,354,000	-61,000	753,000	940,000	-4,298,000	973,000	-3,000	155,000	-1,922,000	-127,000				-2,564,000				-102,862,000			-1,020,000	-626,000				1,000				-86,000	286,000				334,000	-1,311,000	303,000			196,000	-851,000		62,000				-26,000				0
payment of low-income housing tax credit (lihtc) investment commitments			-15,765,000
net decrease in fed funds sold and resell agreements			65,069,000			338,910,000				54,417,000	483,292,000	20,522,000		246,330,000	-562,893,000	793,595,000			-18,831,000	362,229,000			56,862,000	64,393,000				127,860,000				2,803,000		-7,436,000				17,397,000				12,539,000	-47,927,000	70,822,000		-10,439,000	-21,070,000	56,415,000		-42,209,000	-40,693,000	231,383,000		7,237,000	-8,459,000	308,588,000		26,146,000	-78,266,000	183,258,000
net increase in interest-bearing balances due from other financial institutions			-8,214,000		6,948,000						-17,719,000	-11,347,000	-8,018,000																													1,496,000														-18,458,000		-102,160,000	-76,687,000	-10,391,000
net increase in time deposits			-429,982,000	1,765,360,000	47,171,000																																																149,363,000	37,487,000			217,095,000	33,573,000
acquisition of low-income housing tax credit investments					29,928,000	919,000			0
commitment to fund low-income housing tax credit investments					29,928,000	919,000			0
losses on investment securities				5,324,000				522,000
payment on low-income housing tax credit investment commitments				-9,507,000		-8,142,000	-13,701,000	-8,395,000		-6,507,000	-4,522,000	-1,173,000		-1,756,000	-1,443,000	-4,039,000
net decrease (increase) in fed funds sold and resell agreements				590,439,000																					52,835,000	-59,915,000										93,726,000
net decrease in interest-bearing balances due from other financial institutions				51,646,000																																										27,056,000				-2,599,000
net decrease in demand and savings deposits				-2,472,589,000																		1,230,068,000	-764,962,000	-511,650,000												-66,491,000																				-58,621,000
net decrease in fed funds purchased and repurchase agreements				-61,359,000												-5,591,000																									55,254,000			-127,927,000		-236,367,000	-102,139,000	-448,122,000		-165,244,000	-181,415,000	-396,990,000		31,313,000	89,570,000	-616,311,000		58,230,000	-325,793,000	-713,114,000
equity based compensation																												3,332,000			2,854,000	2,776,000	1,262,000	3,250,000	3,170,000	3,069,000	1,947,000	2,981,000	2,521,000	2,212,000	1,617,000	2,223,000	2,183,000	1,913,000	1,492,000	1,860,000	1,853,000	1,712,000	1,546,000	1,702,000	1,709,000	1,553,000	1,555,000	1,516,000	1,472,000	1,410,000	1,365,000	1,377,000	1,369,000	1,202,000
purchases of bank premises and equipment																																						-15,958,000	-12,335,000	-6,926,000	-11,316,000	-9,608,000	-9,378,000	-8,011,000	-12,522,000	-11,213,000	-13,423,000	-6,880,000	-8,777,000	-11,570,000	-8,023,000	-7,187,000	-12,837,000	-9,261,000	-7,398,000	-3,096,000	-9,668,000	-5,470,000	-4,707,000	-3,581,000
proceeds from sales of bank premises and equipment																																						267,000	3,594,000	1,153,000	1,778,000	-2,000	2,000	808,000	439,000	373,000	-179,000	840,000	22,000	117,000	-75,000	118,000	2,363,000	145,000	116,000	169,000	728,000	880,000	394,000	163,000
purchases of bank-owned and company-owned life insurance									0	0			-50,000,000
proceeds from bank-owned and company-owned life insurance death benefit													0	15,000	1,455,000	19,000	1,743,000
proceeds from long-term debt					0								0				11,837,000	0																			2,000,000	1,500,000	0	1,820,000	0				500,000				0								0
payment of debt issuance costs					-97,000								78,000
cash and cash equivalents at beginning of year
cash and cash equivalents at end of year
transfer of securities from available-for-sale to held-to-maturity					82,462,000	147,497,000
net tax benefit related to equity compensation plans						-60,000	-56,000	2,369,000	784,000	70,000	664,000	1,079,000	115,000	-49,000	-33,000	312,000	123,000	80,000	24,000	539,000	123,000	182,000	346,000	1,713,000					1,334,000	-511,000			212,000	68,000	79,000	585,000	373,000	305,000	134,000	1,068,000	261,000	460,000	171,000	332,000	26,000	169,000	80,000	84,000	-17,000	-1,000	-30,000	127,000	-3,000	8,000	99,000	48,000	4,000	18,000	111,000	58,000
deferred income tax (benefit) expense								-1,023,000								-11,134,000					2,274,000																				169,000	-2,489,000																		-2,532,000
net amortization (accretion) of premiums and discounts from acquisition											134,000	117,000					80,000	-138,000	138,000	135,000
payment on low-income housing tax credit (lihtc) investment commitments
net cash activity from acquisitions and divestiture
gains on sales of securities available for sale																-1,227,000	-755,000			-809,000	0	-211,000	-228,000	-139,000	-54,000	-2,390,000	-1,280,000	-468,000	0	-2,978,000	-2,598,000	-2,933,000	-1,998,000	-101,000	-967,000	-7,336,000	-62,000	-26,000	-2,569,000	-1,470,000	10,000	-1,140,000	-1,519,000	-5,893,000	-210,000	-259,000	-3,222,000	-16,541,000	-234,000	-2,411,000	-6,024,000	-7,456,000	-1,045,000	-752,000			-4,539,000	-3,307,000
proceeds from maturities of securities held to maturity														52,149,000	39,513,000	19,507,000	88,931,000	60,941,000	35,368,000	22,769,000	32,880,000	15,417,000	44,950,000	21,303,000	23,516,000	31,267,000	16,130,000	16,682,000	18,782,000	7,218,000	13,867,000	8,672,000	28,365,000	4,747,000	10,951,000	15,712,000	8,466,000	9,043,000	3,261,000	4,500,000	6,824,000	17,077,000	2,136,000	7,996,000	3,429,000	2,397,000	1,767,000	2,163,000	1,661,000	2,072,000	3,525,000	1,556,000	1,310,000	2,267,000	3,371,000	2,626,000	2,999,000	2,573,000	1,121,000	1,229,000
proceeds from sales of securities available for sale														6,542,000	166,170,000	84,439,000	80,582,000	186,664,000	91,406,000	53,329,000	0	54,253,000	-1,000	41,273,000	5,455,000	301,238,000	185,755,000	86,069,000	1,000	352,523,000	316,709,000	282,031,000	163,256,000	77,551,000	238,816,000	466,422,000	3,375,000	776,000	332,221,000	77,583,000	6,509,000	69,047,000	275,563,000	333,912,000	24,287,000	17,261,000	198,923,000	775,658,000	21,054,000	106,739,000	257,543,000	626,732,000	133,827,000	98,309,000	56,927,000	360,020,000	-2,404,393,000	2,558,300,000	44,948,000	98,000
proceeds from maturities of securities available for sale														786,519,000	949,481,000	313,871,000	465,455,000	254,056,000	268,259,000	267,255,000	191,726,000	225,857,000	271,380,000	328,267,000	193,249,000	264,190,000	335,895,000	405,500,000	491,985,000	520,613,000	388,265,000	391,494,000	275,161,000	279,058,000	307,003,000	338,956,000	286,904,000	242,336,000	275,894,000	516,001,000	302,737,000	295,466,000	382,944,000	514,720,000	518,364,000	346,881,000	384,712,000	441,336,000	339,788,000	293,780,000	373,681,000	554,711,000	343,940,000	422,973,000	603,695,000	624,202,000	3,052,412,000	-2,051,933,000	946,637,000	1,194,813,000
purchases of securities held to maturity														-9,253,000	-42,194,000	-18,662,000	-130,556,000	-53,286,000	-13,013,000	-1,893,000	-12,999,000	-9,852,000	-3,551,000	-6,756,000	-11,387,000	-28,020,000	-89,210,000	-108,215,000	-127,162,000	-135,491,000	-91,359,000	-146,670,000	-109,577,000	-143,421,000	-113,721,000	-84,631,000	-50,735,000	-9,743,000	-32,230,000	-16,600,000	-41,117,000	-38,746,000	-33,001,000	-22,734,000	-20,138,000	-8,655,000	-1,173,000	-9,676,000	-2,489,000	-21,506,000	-4,689,000	-6,104,000	-5,244,000	-5,021,000	-4,250,000	-1,678,000	-12,600,000	-2,697,000	-1,340,000	-1,468,000
purchases of securities available for sale														-1,032,835,000	-1,875,714,000	-422,003,000	-627,369,000	-607,799,000	-532,439,000	-579,392,000	-726,373,000	-244,569,000	-174,841,000	-340,795,000	-477,553,000	-374,312,000	-182,610,000	-550,920,000	-856,830,000	-407,797,000	-578,872,000	-702,529,000	-630,624,000	-54,800,000	-470,051,000	-768,272,000	-448,675,000	-331,487,000	-535,043,000	-544,487,000	-343,516,000	-182,360,000	-906,667,000	-805,695,000	-1,032,829,000	-495,410,000	-691,315,000	-1,341,488,000	-714,000,000	-606,103,000	-501,710,000	-1,187,087,000	-1,102,640,000	-636,200,000	-817,115,000	-865,300,000	-1,142,962,000	-1,077,819,000	-764,770,000	-436,286,000
(gains) losses on sales of securities available for sale
net decrease (increase) in interest bearing balances due from other financial institutions																																	-6,113,000			12,691,000																28,298,000
net increase in interest bearing balances due from other financial institutions																-1,274,000	-5,700,000	0	-880,000	-3,867,000						9,879,000				12,715,000							-34,290,000	-50,353,000	-26,301,000	-53,471,000				-1,004,000
decrease in cash and cash equivalents																-249,916,000		-482,662,000	-214,538,000	-183,963,000		512,270,000	-457,031,000	-786,808,000		-113,334,000	-35,080,000	-367,337,000		84,745,000	26,731,000	-219,994,000		18,944,000	-23,016,000	-752,358,000
benefit from loan losses																	2,000,000	7,500,000	11,000,000	12,350,000	48,000,000	5,750,000	7,000,000	10,000,000	6,000,000	11,500,000	14,500,000	9,000,000	7,500,000	13,000,000	7,000,000	5,000,000	5,000,000	2,500,000	5,000,000	3,000,000	3,000,000	4,500,000	5,000,000	4,500,000	4,000,000	6,500,000	5,000,000	2,000,000	4,000,000	4,500,000	4,500,000	4,500,000	5,000,000	4,500,000	5,600,000	7,100,000	7,400,000	7,700,000	8,100,000	8,310,000	11,500,000	8,300,000	6,300,000	6,000,000
income taxes paid																					351,000	11,075,000	45,729,000	5,972,000			20,011,000	668,000	13,081,000	11,700,000	7,149,000	12,146,000	10,682,000	11,315,000	10,620,000	14,469,000	20,439,000	14,671,000	10,065,000	16,053,000	12,094,000	13,568,000	11,481,000	9,302,000	12,356,000	7,810,000	13,244,000	10,664,000	12,931,000	14,483,000	13,361,000	266,000	10,569,000	13,226,000	23,538,000	783,000	9,575,000	3,358,000	22,061,000	208,000
total interest paid																					39,097,000	32,165,000	24,733,000	19,168,000			13,383,000	10,250,000	7,444,000	7,356,000	6,660,000	6,539,000	5,043,000	5,409,000	3,692,000	3,668,000	3,238,000	3,293,000	3,707,000	3,720,000	3,263,000	3,856,000	4,096,000	4,608,000	4,552,000	4,835,000	5,375,000	6,213,000	6,367,000	6,525,000	7,071,000	8,185,000	8,533,000	9,706,000	8,634,000	13,255,000	12,363,000	11,355,000	13,534,000	16,269,000
net cash from (used) in financing activities																		-24,239,000
losses (gains) on sales of securities available for sale
(gains) losses on sales of assets																			-376,000	-236,000											-452,000	-268,000								-550,000					-401,000							-1,000
proceeds from bank-owned life insurance death benefit																					0	0
income tax (refunds) payments																				-12,000
net accretion of premiums and discounts from acquisition																					-205,000	-9,000	-174,000	-10,000	-96,000	-119,000	-853,000	-838,000	-592,000	-776,000	-331,000	-604,000	-1,472,000
net decrease in interest bearing balances due from other financial institutions																							662,000	6,674,000				22,362,000				33,693,000																16,283,000
net decrease in short-term debt																													0				0	0				0	0	-107,000		-103,000	-101,000	-99,000		-10,000,000	0	-2,000,000		6,965,000	-138,000	-10,158,000
payment of contingent consideration on acquisitions																													0	0	0	-3,031,000	-2,792,000	0	0	-18,702,000	0	0	-7,750,000	-5,975,000	0	-1,000	-11,272,000	-4,899,000	-5,111,000	-4,609,000	0	-7,651,000	0
increase in coli/boli cash surrender value																														-2,395,000
losses on sales of assets
transactions related to marquette acquisition
assets acquired																																	-9,279,000	131,000
liabilities assumed																																	-8,895,000	-124,000
net increase in trading securities																										1,529,000				-3,344,000								-7,775,000												-27,797,000				7,259,000						1,970,000
net tax benefit (expense) related to equity compensation plans
net cash activity from acquisitions and branch sales																										-578,000							-9,260,000	72,000			0
net gains on sales of loans held for sale																											-446,000	-299,000	-493,000	-410,000	-672,000	-199,000	-200,000	-304,000	-485,000	-342,000	-323,000	-319,000	-306,000	-189,000	-278,000	-174,000	-224,000	-211,000	-484,000	-607,000	-615,000	-304,000	-459,000	-88,000	-571,000	-480,000	-731,000	-402,000	-76,000	-170,000	-318,000	-379,000	-501,000	-389,000
net tax benefit (deficiency) related to equity compensation plans																												1,783,000
net cash activity from acquisitions
transactions related to bank acquisitions:
transactions related to bank acquisitions
net tax (deficiency) benefit related to equity compensation plans																																-34,000
purchases of company-owned life insurance
advance payment on contingency reserve
increase in coli cash surrender value
net change in short-term debt
issuance of equity awards																																							1,000	469,000	1,000	-1,000	1,000	449,000	1,000	0	-1,000	245,000	0	1,000	0	239,000	0	0	1,000	124,000	0	0	0	132,000
net cash (paid) received for acquisitions
decrease in cash and due from banks																																																						42,784,000				-332,096,000
cash and due from banks at beginning of period																																										0				0				0				0	0	1,229,645,000		0	0	887,559,000
cash and due from banks at end of period																																										941,010,000				-99,985,000				-1,014,649,000				42,784,000	17,339,000	740,302,000		-332,096,000	-299,163,000	1,158,562,000
1.
net cash received from acquisitions																																												-692,000				701,000
net decrease (increase) in fed funds purchased and repurchase agreements																																								390,518,000
increase in cash and due from banks																																								-1,303,525,000	642,246,000			561,420,000			-685,727,000	-132,445,000	888,431,000	-1,014,649,000	-594,107,000	1,146,339,000				-489,343,000				271,003,000
net cash received (paid) for acquisitions																																													16,068,000	828,000
cash and due from banks at beginning of year
cash and due from banks at end of year
due from the federal reserve																																									725,837,000	751,907,000			554,485,000	-94,431,000			825,608,000	-1,051,037,000			209,799,000	21,256,000	26,134,000	420,336,000
cash and due from banks																																									-83,591,000	189,103,000			270,435,000	-5,554,000			62,823,000	36,388,000			23,393,000	21,528,000	-8,795,000	319,966,000
net decrease in trading securities																																										-6,998,000														3,356,000
net cash received for acquisitions																																										0
net increase in fed funds purchased and repurchase
agreements
net decrease (increase) in trading securities																																														16,925,000												-8,464,000
net cash paid for acquisitions																																																	-1,000	-133,000			-44,749,000	-26,878,000	-75,141,000	-12,386,000		-2,899,000
net decrease ( increase) in interest bearing balances due from other financial institutions
net increase in short-term debt																																																						6,924,000	-2,152,000	-7,640,000		-15,660,000	8,835,000	11,354,000
net change in unsettled securities transactions
gains on sale of securities available for sale																																																								-5,382,000				-42,000
losses on sale of assets																																																								92,000
net decrease in loans																																																								19,334,000
deferred income taxes
net decrease in trading securities and other earning assets
net decrease (increase) in loans																																																									9,298,000	12,506,000	-32,268,000	76,740,000
net cash paid for acquisitions and branch sales
decrease in covered litigation provision
commercial, financial, and agricultural																																																										-52,827,000	-7,107,000	2,060,464,000
real estate construction																																																										-813,000	3,186,000	95,605,000
consumer																																																										-28,028,000	-38,448,000	517,100,000
real estate																																																										65,162,000	67,789,000	1,624,979,000
leases																																																										-404,000	-302,000	8,621,000
total loans																																																										-16,910,000	25,118,000	4,306,769,000
loans held for sale																																																										-18,650,000	3,261,000	34,799,000
total loans and loans held for sale																																																										-35,560,000	28,379,000	4,341,568,000
losses (gains) on sale of assets																																																												1,000
losses (gains) on sales of assets and deposits
black-scholes pricing model:
weighted-average fair value of the granted options
weighted-average risk-free interest rate
expected option life in years
expected volatility
expected dividend yield

We provide you with 20 years of cash flow statements for UMB Financial stock, allowing you to gain comprehensive visibility into the fundamentals of the company. Our detailed breakdowns include key financial metrics such as operating cash flows, cash levels, capital expenditures, profits, stock-based compensations and profit margins. This in-depth information is essential for making informed investment decisions and understanding the financial health and performance of UMB Financial stock. Explore the full financial landscape of UMB Financial stock with our expertly curated income statements.

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