Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 2

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 2
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                  |     |      | S-50 |

Prospectus

|                                                            |     | PAGE |    |
| ABOUT THIS PROSPECTUS                                      |     |      |  1 |
| INCORPORATION OF CERTAIN INFORMATION BY REFERENCE          |     |      |  3 |
| CAUTIONARY NOTICE ABOUT FORWARD-LOOKING STATEMENTS         |     |      |  4 |
| RISK FACTORS                                               |     |      |  6 |
| THE COMPANY                                                |     |      |  7 |
| USE OF PROCEEDS                                            |     |      |  8 |
| DESCRIPTION OF CAPITAL STOCK                               |     |      |  9 |
| DESCRIPTION OF DEPOSITARY SHARES                           |     |      | 12 |
| DESCRIPTION OF WARRANTS                                    |     |      | 16 |
| DESCRIPTION OF STOCK PURCHASE CONTRACTS AND STOCK PURCHASE 
 UNITS                                                      |     |      | 18 |
| DESCRIPTION OF DEBT SECURITIES                             |     |      | 20 |
| PLAN OF DISTRIBUTION (CONFLICTS OF INTEREST)               |     |      | 32 |
| LEGAL MATTERS                                              |     |      | 35 |
| EXPERTS                                                    |     |      | 35 |
| WHERE YOU CAN FIND MORE INFORMATION                        |     |      | 36 |

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ABOUT THIS PROSPECTUS SUPPLEMENT

Unless the context otherwise requires or except as otherwise indicated, when we refer to “UMB,” the “Company,”
“we,” “us,” or “our” in this prospectus or when we otherwise refer to ourselves in this prospectus, we mean UMB Financial Corporation, a financial holding company headquartered in Kansas City, Missouri, and do not
include our consolidated subsidiaries or other affiliates. References to “UMB Bank” mean UMB Bank, National Association, UMB’s national bank subsidiary. The term “you” refers to a prospective investor.

This document is comprised of two parts. The first part is this prospectus supplement, which describes the specific terms of this offering.
The second part is the accompanying base prospectus, which gives more general information, some of which will not apply to this offering. Generally, when we refer only to the “prospectus,” we are referring to both documents combined. If
the information set forth in this prospectus supplement differs in any way from the information in the accompanying base prospectus, you should rely on the information in this prospectus supplement.