UMB Historical Cash Flow
| UMBF Stock | USD 103.86 1.19 1.13% |
Analysis of UMB Financial cash flow over time is an excellent tool to project UMB Financial future capital expenditures as well as to predict the amount of cash needed to cover cost of sales, R&D expenses or production expansions. Investors should almost always look for trends in cash flow indicators such as Change In Cash of 13.1 M or Stock Based Compensation of 23.7 M as it is a great indicator of UMB Financial ability to facilitate future growth, repay debt on time or pay out dividends.
Financial Statement Analysis is much more than just reviewing and examining UMB Financial latest accounting reports to predict its past. Macroaxis encourages investors to analyze financial statements over time for various trends across multiple indicators and accounts to determine whether UMB Financial is a good buy for the upcoming year.
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About UMB Cash Flow Analysis
The Cash Flow Statement is a financial statement that shows how changes in UMB balance sheet and income statement accounts affect cash and cash equivalents. It breaks the analysis down to operating, investing, and financing activities. One of the most critical aspects of the cash flow statement is liquidity, which is the degree to which UMB's non-liquid assets can be easily converted into cash.
UMB Financial Cash Flow Chart
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Free Cash Flow
The amount of cash a company generates after accounting for cash outflows to support operations and maintain its capital assets.Begin Period Cash Flow
The amount of cash a company has at the beginning of a financial reporting period. It serves as the starting point for calculating the period's cash flow from operations, investing, and financing activities.Capital Expenditures
Capital Expenditures are funds used by UMB Financial to acquire physical assets such as property, industrial buildings or equipment. This type of outlay is used by management to increase the scope of UMB Financial operations. These expenditures can include everything from repairing an office equipment, building a brand new facility, or writing new software.Net Income
Net income is one of the most important fundamental items in finance. It plays a large role in UMB Financial financial statement analysis. It represents the amount of money remaining after all of UMB Financial operating expenses, interest, taxes and preferred stock dividends have been deducted from a company total revenue.Most accounts from UMB Financial's cash flow statement are interrelated and interconnected. However, analyzing cash flow statement accounts one by one will only give a small insight into UMB Financial current financial condition. On the other hand, looking into the entire matrix of cash flow statement accounts, and analyzing their relationships over time can provide a more complete picture of the company financial strength now and in the future. Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.At this time, UMB Financial's Capital Expenditures is most likely to increase significantly in the upcoming years. The UMB Financial's current Net Income is estimated to increase to about 463.3 M, while Change In Working Capital is forecasted to increase to (344.1 M).
UMB Financial cash flow statement Correlations
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UMB Financial Account Relationship Matchups
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UMB Financial cash flow statement Accounts
| 2020 | 2021 | 2022 | 2023 | 2024 | 2025 (projected) | ||
| Change In Cash | 1.8B | 5.7B | (7.7B) | 4.0B | 13.7M | 13.1M | |
| Stock Based Compensation | 15.1M | 21.2M | 21.5M | 18.7M | 22.6M | 23.7M | |
| Free Cash Flow | 313.4M | 500.4M | 717.8M | 445.7M | 93.0M | 176.0M | |
| Change In Working Capital | (51.8M) | 52.4M | 232M | (15.8M) | (362.3M) | (344.1M) | |
| Begin Period Cash Flow | 1.7B | 3.5B | 9.2B | 1.6B | 109.4M | 103.9M | |
| Other Cashflows From Financing Activities | (2.3M) | 9.5B | (4.5B) | 3.1B | 34.6M | 32.9M | |
| Depreciation | 62.8M | 55.7M | 54.0M | 58.7M | 14K | 13.3K | |
| Other Non Cash Items | 65.8M | 64.4M | 36.7M | 81.4M | (8.5M) | (8.1M) | |
| Dividends Paid | 60.3M | 66.8M | 72.0M | (74.2M) | (108.5M) | (103.1M) | |
| Capital Expenditures | 60.2M | 33.7M | 51.7M | 26.9M | 24.2M | 38.7M | |
| Total Cash From Operating Activities | 373.6M | 534.1M | 769.6M | 472.6M | 93.0M | 88.4M | |
| Net Income | 286.5M | 353.0M | 431.7M | 350.0M | 441.2M | 463.3M | |
| Total Cash From Financing Activities | 5.9B | 9.4B | (4.6B) | 4.8B | (81.6M) | (77.5M) | |
| End Period Cash Flow | 3.5B | 9.2B | 1.6B | 5.5B | 123.1M | 116.9M | |
| Sale Purchase Of Stock | (63.8M) | (5.5M) | (32.0M) | (8.4M) | (7.7M) | (8.1M) | |
| Investments | (4.3B) | (4.1B) | (4.3B) | (1.5B) | (3.3B) | (3.1B) | |
| Change Receivables | (14.3M) | (15.4M) | 4.6M | (58.2M) | (52.4M) | (49.8M) | |
| Net Borrowings | 391.4M | 616.7M | 922.9M | (908.4M) | (1.0B) | (992.4M) | |
| Total Cashflows From Investing Activities | (3.0B) | (4.5B) | (4.2B) | (3.8B) | (3.5B) | (3.3B) | |
| Cash And Cash Equivalents Changes | (5.0M) | 1.8B | 5.7B | (7.7B) | (6.9B) | (6.5B) | |
| Cash Flows Other Operating | (99.2M) | (237.9M) | 84.7M | 258.0M | 296.7M | 311.5M | |
| Change To Account Receivables | (15.4M) | 4.6M | (58.2M) | (31.1M) | (28.0M) | (26.6M) | |
| Other Cashflows From Investing Activities | (150.5M) | (95.6M) | 535.5M | (1.4B) | 111.3M | 116.9M | |
| Change To Netincome | 43.3M | 141.4M | 33.8M | 49.3M | 56.7M | 39.5M | |
| Change To Liabilities | 76.8M | 91.7M | (51.7M) | (11.0M) | (9.9M) | (9.4M) | |
| Change To Operating Activities | (35.5M) | (36.4M) | 47.8M | 290.2M | 333.8M | 350.4M |
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When determining whether UMB Financial is a good investment, qualitative aspects like company management, corporate governance, and ethical practices play a significant role. A comparison with peer companies also provides context and helps to understand if UMB Stock is undervalued or overvalued. This multi-faceted approach, blending both quantitative and qualitative analysis, forms a solid foundation for making an informed investment decision about Umb Financial Stock. Highlighted below are key reports to facilitate an investment decision about Umb Financial Stock:Check out World Market Map to better understand how to build diversified portfolios, which includes a position in UMB Financial. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in bureau of labor statistics. For more detail on how to invest in UMB Stock please use our How to Invest in UMB Financial guide.You can also try the Analyst Advice module to analyst recommendations and target price estimates broken down by several categories.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of UMB Financial. If investors know UMB will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about UMB Financial listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth 0.677 | Dividend Share 1.57 | Earnings Share 8.99 | Revenue Per Share | Quarterly Revenue Growth 0.12 |
The market value of UMB Financial is measured differently than its book value, which is the value of UMB that is recorded on the company's balance sheet. Investors also form their own opinion of UMB Financial's value that differs from its market value or its book value, called intrinsic value, which is UMB Financial's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because UMB Financial's market value can be influenced by many factors that don't directly affect UMB Financial's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between UMB Financial's value and its price as these two are different measures arrived at by different means. Investors typically determine if UMB Financial is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, UMB Financial's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.