Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 74

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 74
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 as defined under the Securities Act of 1933, as amended (the “Securities Act”).
Under this shelf registration process, we may from time to time, offer and sell, in one or more offerings, in any combination, a number and amount of the securities described in this prospectus.

This prospectus provides you with a general description of the securities we may offer and sell. Each time we offer to sell securities
pursuant to this prospectus, we will provide a prospectus supplement that contains specific information about the terms of the offering and the securities offered. The prospectus supplement also may add to, update or change information provided in
this prospectus. If there is any inconsistency between the information contained or incorporated by reference in this prospectus, on the one hand, and the information contained or incorporated by reference in any applicable prospectus supplement, on
the other hand, you should rely on the information in the prospectus supplement. You should read this prospectus, the applicable prospectus supplement, any “free writing prospectus” and the other information described in “Where You
Can Find More Information” and “Incorporation of Certain Information by Reference” in this prospectus prior to investing.

Wherever references are made in this prospectus to information that will be included in a prospectus supplement, to the extent permitted by
applicable law, rules, or regulations, we may instead include such information or add, update, or change the information contained in this prospectus by means of a post-effective amendment to the registration statement, of which this prospectus is a
part, through filings we make with the SEC that are incorporated by reference into this prospectus or by any other method as may then be permitted under applicable law, rules, or regulations.

As allowed by SEC rules, this prospectus does not contain all of the information in the registration statement or the exhibits to the
registration statement. For further information, we refer you to the registration statement, including its exhibits. Statements made in this prospectus, in any prospectus supplement or in any document incorporated by reference in this prospectus or
any prospectus supplement as to the contents of any contract, agreement or other document are not necessarily complete. In each instance we refer you to the copy of the contract, agreement or other document filed as an exhibit to the registration
statement of which this prospectus is a part, or as an exhibit to the documents incorporated by reference. You may obtain copies of those documents as described in this prospectus under