Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 8

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 8
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| • |     | our ability to keep pace with changes in technology that affect the Company or our customers, counterparties, or 
 competitors;                                                                                                     |

| • |     | mergers, acquisitions, or dispositions, including our ability to integrate acquisitions and divest assets; |

| • |     | our ability to manage the expenses associated with the merger with Heartland Financial USA, Inc. 
 (“HTLF”) and the impact these expenses may have on our financial results;                        |

| • |     | our ability to fully realize, or realize in a timely fashion, the benefits from the merger with HTLF; |

| • |     | our ability to promptly and effectively integrate the merger of HTLF; |

| • |     | the adequacy of our succession planning for key executives or other personnel; |

| • |     | our ability to grow revenue, control expenses, or attract and retain qualified employees; |

| • |     | natural disasters, war, terrorist activities, including instability in the Middle East and Russia’s military  
 action in Ukraine, pandemics, and their effects on the economic and business environment in which we operate; |

| • |     | macroeconomic and adverse developments and uncertainties related to the collateral effects of the collapse of,                                                    
 and challenges for, domestic and international banks, including the impacts to the U.S. and global economies and reputational harm to the U.S. banking system; or |

| • |     | other assumptions, risks, or uncertainties described in any of our annual, quarterly or current reports. |

You should also consider the risks described in the “Risk Factors” section of our most recent Annual Report on Form 10-Kand, to the extent applicable, our Quarterly Reports on Form 10-Q,in evaluating any forward-looking statements included or incorporated by reference in this prospectus. Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except as required by applicable securities laws. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that we may make in any subsequent Annual Report on Form 10-K,Quarterly Report on Form 10-Q,Current Report on Form 8-K,or other applicable document that is filed or furnished with the SEC. 5

RISK FACTORS

An investment in our securities involves