UMB Financial Corporation — Earnings Quality Grade B
UMBF · Financial Services
Generally healthy
Screening Summary
Management Signals
Source: SEC EDGAR 8-K Item 5.02, with exhibit links when available
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
Insufficient data
Insufficient data
Revenue 65.7%, CFFO 355.7%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth 142.8% is >2x revenue growth 65.7%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.46. Profits backed by cash
FCF $1.0B, FCF/NI = 1.39
Accruals ratio = -0.4%. Low accruals
Cash $7.9B covers debt $0.3B
Balance Sheet Health
Goodwill+Intangibles $2.3B = 30% of equity
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles surged 711% YoY
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
UMB Financial Corporation is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25