$UMBF Cashflow Statement | Understand Stock

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$UMBF

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Cashflow Statement

Concept	2025	2024	2023	2022	2021
OPERATING ACTIVITIES
Net Income	$702.4M 59.19% YoY	$441.2M 26.06% YoY	$350.0M -18.92% YoY	$431.7M 22.28% YoY	$353.0M 23.22% YoY
Depreciation, Depletion And Amortization	$141.8M 168.65% YoY	$52.77M -10.14% YoY	$58.72M 8.7% YoY	$54.02M -3.01% YoY	$55.70M -11.31% YoY
Cash From Operating Activities	$1.027B 355.73% YoY	$225.3M -52.33% YoY	$472.6M -38.59% YoY	$769.6M 44.09% YoY	$534.1M 42.96% YoY
INVESTING ACTIVITIES
Capital Expenditures	$48.58M 100.71% YoY	$24.21M -10.05% YoY	$26.91M -47.97% YoY	$51.72M 53.52% YoY	$33.69M -44.06% YoY
Acquisitions	N/A	N/A	N/A	N/A	N/A
Other Investing Activities	-$5.572B 72.05% YoY	-$3.238B 159.82% YoY	-$1.246B -67.15% YoY	-$3.794B -9.71% YoY	-$4.202B -5.17% YoY
Cash From Investing Activities	-$5.620B 72.26% YoY	-$3.263B 156.23% YoY	-$1.273B -66.89% YoY	-$3.845B -9.21% YoY	-$4.235B -5.69% YoY
FINANCING ACTIVITIES
Cash Dividend Paid	$135.6M 75.84% YoY	$77.13M 3.88% YoY	$74.25M 3.08% YoY	$72.03M 7.91% YoY	$66.75M 10.73% YoY
Common Stock Issuance & Retirement, Net	$217.5M 2710.97% YoY	$7.738M -7.52% YoY	$8.367M -73.85% YoY	$32.00M 481.13% YoY	$5.506M -91.37% YoY
Debt Paid & Issued, Net	$200.0M N/A	N/A	N/A	N/A	N/A
Cash From Financing Activities	$3.917B -34.26% YoY	$5.958B 24.87% YoY	$4.771B -204.15% YoY	-$4.581B -148.64% YoY	$9.418B 58.4% YoY
NET CHANGE
Cash From Operating Activities	$1.027B 355.73% YoY	$225.3M -52.33% YoY	$472.6M -38.59% YoY	$769.6M 44.09% YoY	$534.1M 42.96% YoY
Cash From Investing Activities	-$5.620B 72.26% YoY	-$3.263B 156.23% YoY	-$1.273B -66.89% YoY	-$3.845B -9.21% YoY	-$4.235B -5.69% YoY
Cash From Financing Activities	$3.917B -34.26% YoY	$5.958B 24.87% YoY	$4.771B -204.15% YoY	-$4.581B -148.64% YoY	$9.418B 58.4% YoY
Net Change In Cash	-$676.7M -123.17% YoY	$2.920B -26.44% YoY	$3.970B -151.86% YoY	-$7.657B -233.93% YoY	$5.717B 212.68% YoY
FREE CASH FLOW	N/A	N/A	N/A	N/A	N/A
Cash From Operating Activities	$1.027B 355.73% YoY	$225.3M -52.33% YoY	$472.6M -38.59% YoY	$769.6M 44.09% YoY	$534.1M 42.96% YoY
Capital Expenditures	$48.58M 100.71% YoY	$24.21M -10.05% YoY	$26.91M -47.97% YoY	$51.72M 53.52% YoY	$33.69M -44.06% YoY
Free Cash Flow	$978.1M 386.43% YoY	$201.1M -54.88% YoY	$445.7M -37.91% YoY	$717.8M 43.45% YoY	$500.4M 59.68% YoY

Concept	2026 Q1	2025 Q4	2025 Q3	2025 Q2	2025 Q1	2024 Q4	2024 Q3	2024 Q2	2024 Q1	2023 Q4	2023 Q3	2023 Q2	2023 Q1	2022 Q4	2022 Q3	2022 Q2	2022 Q1	2021 Q4	2021 Q3
OPERATING ACTIVITIES
Net Income	$261.4M 221.44% YoY	$209.5M 74.62% YoY	$188.3M 71.75% YoY	$217.4M 114.51% YoY	$81.33M -26.23% YoY	$120.0M 69.19% YoY	$109.6M 13.56% YoY	$101.3M 12.47% YoY	$110.3M 19.28% YoY	$70.92M -29.2% YoY	$96.55M 9.73% YoY	$90.11M -34.49% YoY	$92.44M -12.76% YoY	$100.2M 27.61% YoY	$87.99M -6.86% YoY	$137.6M 57.37% YoY	$106.0M 14.38% YoY	$78.50M -49.78% YoY	$94.47M 29.24% YoY
Depreciation, Depletion And Amortization	$35.09M 19.51% YoY	$37.40M 194.14% YoY	$37.01M 185.87% YoY	$38.00M 185.83% YoY	$29.37M 112.54% YoY	$12.71M -9.98% YoY	$12.95M -10.71% YoY	$13.29M -9.42% YoY	$13.82M -10.21% YoY	$14.12M -1.04% YoY	$14.50M 6.96% YoY	$14.67M 12.94% YoY	$15.39M 16.58% YoY	$14.27M 1.94% YoY	$13.56M -3.16% YoY	$12.99M -5.15% YoY	$13.20M -5.71% YoY	$14.00M -14.63% YoY	$14.00M -8.5% YoY
Cash From Operating Activities	$361.3M -0.48% YoY	$106.1M -258.63% YoY	$272.2M 120.15% YoY	$285.4M 153.98% YoY	$363.0M 546.59% YoY	-$66.87M -178.67% YoY	$123.6M -46.75% YoY	$112.4M -26.9% YoY	$56.14M 3210.38% YoY	$85.00M -41.15% YoY	$232.2M 5.88% YoY	$153.7M -26.7% YoY	$1.696M -99.13% YoY	$144.4M -15.87% YoY	$219.3M 18.48% YoY	$209.7M 241.55% YoY	$196.1M 69.1% YoY	$171.7M 8.4% YoY	$185.1M 62.94% YoY
INVESTING ACTIVITIES
Capital Expenditures	$4.517M -48.8% YoY	$10.76M 5.69% YoY	$14.40M 141.62% YoY	$14.60M 156.62% YoY	$8.823M 271.34% YoY	$10.18M 167.19% YoY	$5.959M -0.68% YoY	$5.691M -25.73% YoY	$2.376M -74.8% YoY	$3.810M -78.07% YoY	$6.000M -134.37% YoY	$7.663M -192.45% YoY	$9.428M 9.08% YoY	$17.37M -233.62% YoY	-$17.46M 229.38% YoY	-$8.289M -11.82% YoY	$8.643M 45.07% YoY	-$13.00M -2.99% YoY	-$5.300M -53.51% YoY
Acquisitions	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Other Investing Activities	-$1.345B -300.17% YoY	-$2.132B 24.79% YoY	-$2.129B 265.52% YoY	-$1.983B 78.92% YoY	$672.0M 318.01% YoY	-$1.708B 149.29% YoY	-$582.3M 320.16% YoY	-$1.108B 184.07% YoY	$160.8M -597.0% YoY	-$685.3M -25.48% YoY	-$138.6M -62.69% YoY	-$390.2M -77.0% YoY	-$32.35M -95.99% YoY	-$919.6M -57.42% YoY	-$371.5M -4.73% YoY	-$1.697B 196.8% YoY	-$805.8M -25.43% YoY	-$2.160B 61.86% YoY	-$389.9M -40.76% YoY
Cash From Investing Activities	-$1.350B -303.51% YoY	-$2.142B 24.67% YoY	-$2.143B 264.26% YoY	-$1.998B 79.32% YoY	$663.2M 318.71% YoY	-$1.718B 149.39% YoY	-$588.3M 306.85% YoY	-$1.114B 180.03% YoY	$158.4M -479.15% YoY	-$689.1M -26.46% YoY	-$144.6M -62.82% YoY	-$397.9M -76.67% YoY	-$41.78M -94.87% YoY	-$937.0M -56.87% YoY	-$388.9M -1.59% YoY	-$1.705B 193.43% YoY	-$814.4M -25.05% YoY	-$2.173B 61.21% YoY	-$395.2M -40.98% YoY
FINANCING ACTIVITIES
Cash Dividend Paid	$39.61M 31.52% YoY	N/A	N/A	N/A	$30.12M 58.41% YoY	N/A	N/A	N/A	$19.01M 3.15% YoY	N/A	N/A	N/A	$18.43M 2.87% YoY	N/A	N/A	N/A	$17.92M 15.92% YoY	N/A	N/A
Common Stock Issuance & Retirement, Net	$32.81M -85.06% YoY	N/A N/A	N/A N/A	N/A N/A	$219.7M 2815.05% YoY	N/A N/A	N/A N/A	N/A N/A	$7.537M -4.62% YoY	N/A N/A	N/A N/A	N/A N/A	$7.902M -64.86% YoY	N/A N/A	N/A N/A	N/A N/A	$22.49M 458.41% YoY	N/A N/A	N/A N/A
Debt Paid & Issued, Net	N/A	N/A	N/A	N/A	$11.06M N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash From Financing Activities	-$522.2M -146.0% YoY	$967.0M -67.3% YoY	-$283.7M -110.41% YoY	$2.098B -326.8% YoY	$1.135B -5.43% YoY	$2.957B 34.11% YoY	$2.725B 2628.01% YoY	-$925.2M -300.93% YoY	$1.200B -40.15% YoY	$2.205B 548.82% YoY	$99.90M 56.96% YoY	$460.5M -114.97% YoY	$2.006B -205.03% YoY	$339.9M -93.32% YoY	$63.65M -92.82% YoY	-$3.075B -272.95% YoY	-$1.910B -214.57% YoY	$5.087B 90.71% YoY	$886.6M 107.78% YoY
NET CHANGE
Cash From Operating Activities	$361.3M -0.48% YoY	$106.1M -258.63% YoY	$272.2M 120.15% YoY	$285.4M 153.98% YoY	$363.0M 546.59% YoY	-$66.87M -178.67% YoY	$123.6M -46.75% YoY	$112.4M -26.9% YoY	$56.14M 3210.38% YoY	$85.00M -41.15% YoY	$232.2M 5.88% YoY	$153.7M -26.7% YoY	$1.696M -99.13% YoY	$144.4M -15.87% YoY	$219.3M 18.48% YoY	$209.7M 241.55% YoY	$196.1M 69.1% YoY	$171.7M 8.4% YoY	$185.1M 62.94% YoY
Cash From Investing Activities	-$1.350B -303.51% YoY	-$2.142B 24.67% YoY	-$2.143B 264.26% YoY	-$1.998B 79.32% YoY	$663.2M 318.71% YoY	-$1.718B 149.39% YoY	-$588.3M 306.85% YoY	-$1.114B 180.03% YoY	$158.4M -479.15% YoY	-$689.1M -26.46% YoY	-$144.6M -62.82% YoY	-$397.9M -76.67% YoY	-$41.78M -94.87% YoY	-$937.0M -56.87% YoY	-$388.9M -1.59% YoY	-$1.705B 193.43% YoY	-$814.4M -25.05% YoY	-$2.173B 61.21% YoY	-$395.2M -40.98% YoY
Cash From Financing Activities	-$522.2M -146.0% YoY	$967.0M -67.3% YoY	-$283.7M -110.41% YoY	$2.098B -326.8% YoY	$1.135B -5.43% YoY	$2.957B 34.11% YoY	$2.725B 2628.01% YoY	-$925.2M -300.93% YoY	$1.200B -40.15% YoY	$2.205B 548.82% YoY	$99.90M 56.96% YoY	$460.5M -114.97% YoY	$2.006B -205.03% YoY	$339.9M -93.32% YoY	$63.65M -92.82% YoY	-$3.075B -272.95% YoY	-$1.910B -214.57% YoY	$5.087B 90.71% YoY	$886.6M 107.78% YoY
Net Change In Cash	-$1.511B -169.89% YoY	-$1.069B -191.25% YoY	-$2.154B -195.3% YoY	$385.8M -120.02% YoY	$2.161B 52.76% YoY	$1.172B -26.8% YoY	$2.261B 1105.67% YoY	-$1.927B -990.83% YoY	$1.415B -28.01% YoY	$1.601B -453.72% YoY	$187.5M -276.94% YoY	$216.3M -104.73% YoY	$1.965B -177.75% YoY	-$452.6M -114.67% YoY	-$106.0M -115.66% YoY	-$4.570B -463.24% YoY	-$2.528B -463.22% YoY	$3.086B 108.78% YoY	$676.5M -623.2% YoY
FREE CASH FLOW	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Cash From Operating Activities	$361.3M -0.48% YoY	$106.1M -258.63% YoY	$272.2M 120.15% YoY	$285.4M 153.98% YoY	$363.0M 546.59% YoY	-$66.87M -178.67% YoY	$123.6M -46.75% YoY	$112.4M -26.9% YoY	$56.14M 3210.38% YoY	$85.00M -41.15% YoY	$232.2M 5.88% YoY	$153.7M -26.7% YoY	$1.696M -99.13% YoY	$144.4M -15.87% YoY	$219.3M 18.48% YoY	$209.7M 241.55% YoY	$196.1M 69.1% YoY	$171.7M 8.4% YoY	$185.1M 62.94% YoY
Capital Expenditures	$4.517M -48.8% YoY	$10.76M 5.69% YoY	$14.40M 141.62% YoY	$14.60M 156.62% YoY	$8.823M 271.34% YoY	$10.18M 167.19% YoY	$5.959M -0.68% YoY	$5.691M -25.73% YoY	$2.376M -74.8% YoY	$3.810M -78.07% YoY	$6.000M -134.37% YoY	$7.663M -192.45% YoY	$9.428M 9.08% YoY	$17.37M -233.62% YoY	-$17.46M 229.38% YoY	-$8.289M -11.82% YoY	$8.643M 45.07% YoY	-$13.00M -2.99% YoY	-$5.300M -53.51% YoY
Free Cash Flow	$356.8M 0.72% YoY	$95.32M -223.71% YoY	$257.8M 119.06% YoY	$270.8M 153.84% YoY	$354.2M 558.75% YoY	-$77.05M -194.9% YoY	$117.7M -47.97% YoY	$106.7M -26.96% YoY	$53.77M -795.4% YoY	$81.19M -36.11% YoY	$226.2M -4.46% YoY	$146.0M -33.0% YoY	-$7.732M -104.13% YoY	$127.1M -31.2% YoY	$236.8M 24.35% YoY	$218.0M 207.91% YoY	$187.4M 70.4% YoY	$184.7M 7.51% YoY	$190.4M 52.32% YoY