UMB Financial Corporation (UMBF)

Solvency & Capital Structure

Total Debt

$3.56B

Net Debt

$2.78B

UMB Financial Corporation currently has $3.56B in total debt. Net debt is $2.78B after cash offsets.

Financial Fundamentals

UMBF • Quarterly Data • 5Y View

Date	Total Debt ($B)	Cash & Inv. ($B)	Net Debt ($B)	Total Assets	Debt/Assets
2026-06-30	3.56	0.78	2.78	72.26	4.9%
2026-03-31	4.03	0.74	3.29	72.67	5.5%
2025-12-31	3.80	0.95	2.85	73.09	5.2%
2025-09-30	3.09	17.37	-14.28Net Cash	71.88	4.3%
2025-06-30	3.37	11.38	-8.00Net Cash	71.76	4.7%
2025-03-31	3.21	21.62	-18.41Net Cash	69.35	4.6%
2024-12-31	3.00	16.33	-13.34Net Cash	50.41	5.9%
2024-09-30	2.66	14.40	-11.74Net Cash	47.50	5.6%
2024-06-30	3.10	12.21	-9.11Net Cash	44.47	7.0%
2024-03-31	3.61	13.57	-9.96Net Cash	45.34	8.0%
2023-12-31	3.50	12.68	-9.17Net Cash	44.01	8.0%
2023-09-30	4.44	10.34	-5.90Net Cash	41.46	10.7%
2023-06-30	3.43	10.47	-7.04Net Cash	41.24	8.3%
2023-03-31	5.34	10.50	-5.16Net Cash	40.61	13.2%
2022-12-31	2.60	8.69	-6.08Net Cash	38.51	6.8%
2022-09-30	2.70	9.27	-6.57Net Cash	37.58	7.2%
2022-06-30	2.93	9.92	-6.99Net Cash	37.51	7.8%
2022-03-31	3.11	15.26	-12.15Net Cash	40.61	7.7%
2021-12-31	3.51	21.23	-17.72Net Cash	42.69	8.2%
2021-09-30	2.77	17.33	-14.56Net Cash	37.55	7.4%
2021-06-30	3.05	15.88	-12.82Net Cash	36.62	8.3%
2021-03-31	3.03	14.00	-10.97Net Cash	34.67	8.7%
2020-12-31	2.59	12.84	-10.26Net Cash	33.13	7.8%
2020-09-30	2.21	10.77	-8.56Net Cash	30.25	7.3%
2020-06-30	2.05	10.66	-8.61Net Cash	29.75	6.9%
2020-03-31	2.03	9.09	-7.06Net Cash	26.24	7.7%
2019-12-31	1.97	9.15	-7.18Net Cash	26.56	7.4%
2019-09-30	1.88	8.23	-6.35Net Cash	24.14	7.8%
2019-06-30	1.80	8.48	-6.68Net Cash	24.02	7.5%
2019-03-31	1.58	8.40	-6.83Net Cash	23.56	6.7%
2018-12-31	1.60	8.24	-6.63Net Cash	23.35	6.9%
2018-09-30	1.27	6.95	-5.68Net Cash	21.46	5.9%
2018-06-30	1.74	6.50	-4.76Net Cash	20.53	8.5%
2018-03-31	1.43	7.09	-5.66Net Cash	20.99	6.8%
2017-12-31	1.34	8.00	-6.66Net Cash	21.77	6.2%
2017-09-30	1.93	6.44	-4.50Net Cash	20.28	9.5%
2017-06-30	1.96	6.94	-4.97Net Cash	20.35	9.6%
2017-03-31	2.47	7.30	-4.83Net Cash	20.58	12.0%
2016-12-31	1.93	7.60	-5.67Net Cash	20.68	9.3%
2016-09-30	2.10	7.10	-5.01Net Cash	19.73	10.6%
2016-06-30	1.88	7.51	-5.63Net Cash	19.73	9.5%
2016-03-31	1.77	7.61	-5.84Net Cash	19.30	9.2%
2015-12-31	1.91	7.79	-5.88Net Cash	19.09	10.0%
2015-09-30	1.43	7.86	-6.43Net Cash	18.60	7.7%
2015-06-30	1.86	8.11	-6.25Net Cash	18.42	10.1%
2015-03-31	1.73	8.01	-6.28Net Cash	16.73	10.3%
2014-12-31	2.03	8.90	-6.86Net Cash	17.50	11.6%
2014-09-30	1.72	8.14	-6.42Net Cash	16.28	10.6%
2014-06-30	1.61	7.60	-5.98Net Cash	15.56	10.4%
2014-03-31	1.98	8.10	-6.12Net Cash	15.95	12.4%
2013-12-31	1.59	9.38	-7.79Net Cash	16.91	9.4%
2013-09-30	1.53	8.66	-7.13Net Cash	16.18	9.5%
2013-06-30	2.16	7.97	-5.80Net Cash	15.25	14.2%
2013-03-31	1.66	8.79	-7.13Net Cash	15.71	10.6%
2012-12-31	1.79	8.33	-6.53Net Cash	14.93	12.0%
2012-09-30	1.17	0.57	0.60	13.29	8.8%
2012-06-30	1.42	0.70	0.72	13.18	10.7%
2012-03-31	1.52	1.46	0.06	13.64	11.1%
2011-12-31	1.97	7.72	-5.75Net Cash	13.54	14.5%
2011-09-30	1.38	0.71	0.67	12.14	11.4%
2011-06-30	1.54	1.72	-0.18Net Cash	12.77	12.0%
2011-03-31	1.72	2.32	-0.60Net Cash	13.35	12.9%
2010-12-31	2.13	1.20	0.92	12.40	17.2%
2010-09-30	1.47	0.99	0.48	11.34	13.0%
2010-06-30	1.44	1.03	0.41	11.06	13.0%
2010-03-31	1.36	1.04	0.31	10.72	12.7%
2009-12-31	1.98	1.52	0.47	11.66	17.0%
2009-09-30	1.20	0.83	0.37	10.24	11.7%
2009-06-30	1.16	1.06	0.10	9.96	11.6%
2009-03-31	1.48	1.28	0.20	10.25	14.4%
2008-12-31	2.18	1.00	1.18	10.98	19.9%
2008-09-30	1.24	0.52	0.72	9.34	13.3%
2008-06-30	1.45	0.66	0.80	8.81	16.5%
2008-03-31	1.35	0.68	0.67	8.94	15.1%
2007-12-31	1.80	0.81	1.00	9.34	19.3%
2007-09-30	1.11	0.50	0.61	8.02	13.9%
2007-06-30	1.30	0.43	0.87	8.03	16.2%
2007-03-31	1.44	0.45	0.98	8.00	17.9%
2006-12-31	1.68	0.53	1.15	8.92	18.8%
2006-09-30	1.21	0.41	0.80	7.67	15.7%
2006-06-30	1.00	0.45	0.55	7.63	13.0%
2006-03-31	1.13	0.42	0.71	7.64	14.8%
2005-12-31	1.43	0.60	0.83	8.25	17.4%
2005-09-30	1.18	0.40	0.79	7.09	16.7%
2005-06-30	1.04	0.37	0.67	6.98	14.9%
2005-03-31	1.05	0.47	0.59	6.91	15.2%
2004-12-31	1.57	0.50	1.07	7.81	20.1%
2004-09-30	1.14	0.45	0.70	6.87	16.7%
2004-06-30	1.07	0.57	0.50	6.93	15.4%
2004-03-31	1.01	0.42	0.59	6.86	14.7%
2003-12-31	1.26	0.65	0.61	7.75	16.3%
2003-09-30	0.89	0.62	0.28	7.03	12.7%
2003-06-30	1.02	0.54	0.48	7.15	14.2%
2003-03-31	0.99	0.59	0.39	7.34	13.4%
2002-12-31	1.33	0.69	0.64	8.04	16.6%
2002-09-30	1.19	0.57	0.62	7.20	16.5%
2002-06-30	1.13	0.50	0.63	7.31	15.5%
2002-03-31	1.40	0.42	0.99	8.29	16.9%
2001-12-31	1.49	0.79	0.70	8.73	17.1%
2001-09-30	0.94	0.62	0.33	7.24	13.1%
2001-06-30	1.06	0.55	0.51	7.28	14.6%
2001-03-31	1.11	0.59	0.52	7.00	15.9%
2000-12-31	1.01	0.98	0.03	7.87	12.8%
2000-09-30	0.97	0.83	0.14	7.25	13.4%
2000-06-30	0.96	0.70	0.27	7.10	13.6%
2000-03-31	1.10	0.69	0.42	7.30	15.1%
1999-12-31	1.46	0.77	0.69	8.13	17.9%
1999-09-30	1.09	0.62	0.47	7.02	15.5%
1999-06-30	1.16	0.61	0.55	7.04	16.5%
1999-03-31	1.22	0.63	0.59	7.35	16.6%
1998-12-31	0.96	0.85	0.11	7.65	12.6%
1998-09-30	0.69	0.67	0.02	6.79	10.2%
1998-06-30	0.97	1.04	-0.07Net Cash	7.30	13.2%
1998-03-31	0.78	0.92	-0.14Net Cash	6.95	11.2%
1997-12-31	0.76	0.92	-0.16Net Cash	7.05	10.8%
1997-09-30	0.79	0.82	-0.03Net Cash	6.51	12.1%
1997-06-30	0.85	0.69	0.16	6.49	13.1%
1997-03-31	0.64	0.76	-0.13Net Cash	6.44	9.9%
1996-12-31	0.67	0.77	-0.11Net Cash	6.51	10.2%
1996-09-30	0.87	0.64	0.23	6.10	14.3%