UMB Financial Corp.
S&P 400
Cash Flow
Cash Flow Breakdown
Figures in US$OperatingInvestingFinancing
How to read this: the three bars show where cash moved each year. Operating is cash from the core business (you generally want this positive and growing). Investing is usually negative — money spent on assets or acquisitions. Financing shows money raised from, or returned to, lenders and shareholders. Bars above the line are cash in; bars below are cash out.
Operating Cash Flow vs Capex
Figures in US$Operating Cash FlowCapital Expenditure
How to read this: operating cash flow is the cash the business generated; capital expenditure is what it spent on long-term assets like plant and equipment. The gap between them is roughly free cash flow — the cash left over. A wide gap (operating well above capex) means the business funds its investment comfortably from its own earnings.
| Period | Operating Cash Flow | Investing Cash Flow | Financing Cash Flow | Capital Expenditure |
|---|---|---|---|---|
| FY2014 | $245.66M | $-1.43B | $390.12M | $44.79M |
| FY2015 | $211.91M | $-1.33B | $150.21M | $53.76M |
| FY2016 | $296.44M | $-1.50B | $1.45B | $50.84M |
| FY2017 | $326.53M | $-478.58M | $804.35M | $36.45M |
| FY2018 | $295.70M | $-1.75B | $1.41B | $57.94M |
| FY2019 | $339.93M | $-2.99B | $2.64B | $72.31M |
| FY2020 | $373.60M | $-4.49B | $5.95B | $60.22M |
| FY2021 | $534.08M | $-4.24B | $9.42B | $33.69M |
| FY2022 | $769.55M | $-3.85B | $-4.58B | $51.72M |
| FY2023 | $472.60M | $-1.27B | $4.77B | $23.10M |
| FY2024 | $225.29M | $-3.26B | $5.96B | $20.01M |
| FY2025 | $1.03B | $-5.62B | $3.92B | $48.58M |
Figures in USD. Educational data only.
Understanding these terms
Plain-English explanations of each figure in the table above, and what a beginner typically looks at. These are educational descriptions only, not advice.
- Operating Cash Flow
- Cash produced by the company's core operations during the period. The US equivalent of "Cash from Operating Activity".How a beginner reads it: A beginner uses this as a reality check on profit, since it reflects cash actually collected. Healthy, consistent operating cash flow underpins a company's ability to invest and repay debt.
- Investing Cash Flow
- Cash used for or generated by buying and selling long-term assets and investments. The US equivalent of "Cash from Investing Activity".How a beginner reads it: A beginner expects this to be negative for companies investing in growth. Reading it next to operating cash flow shows whether the business funds its investments from its own earnings.
- Financing Cash Flow
- Cash flows with lenders and shareholders — borrowing, repaying, issuing shares, buybacks, and dividends. The US equivalent of "Cash from Financing Activity".How a beginner reads it: A beginner reads this to understand whether the company is taking in money (borrowing/issuing) or paying it out (repaying/dividends), and how that fits the operating picture.
- Capital Expenditure
- Money spent on buying or upgrading long-lived assets like plant, equipment, and buildings. Often shortened to "capex".How a beginner reads it: A beginner reads capex against operating cash flow to see whether a company funds its investment from its own earnings. Operating cash flow minus capex is roughly free cash flow.