Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 1

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 1
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) to but excluding the redemption date, (1) in whole or in part, from time to time, on any dividend payment date (as defined herein) on or after July 15, 2030 or (2) in whole but not in part, at any time following a regulatory capital treatment event (as defined herein). If we redeem the Preferred Stock, the depositary is expected to redeem a proportionate number of depositary shares. The Preferred Stock will not have any voting rights except as described elsewhere in the prospectus supplement. Application has been made to list the depositary shares on the Nasdaq Global Select Market (the “NASDAQ”) under the symbol “UMBFO.” If approved for listing, trading of the depositary shares is expected to commence within a 30-dayperiod after the original issuance date of the depositary shares. The depositary shares and the Preferred Stock are unsecured securities of UMB Financial Corporation. Neither the depositary shares nor the Preferred Stock is a savings account, deposit or other obligation of, or guaranteed by, any of our bank or non-banksubsidiaries and neither is insured by the Federal Deposit Insurance Corporation (the “FDIC”) or any other governmental agency or instrumentality. Investing in the depositary shares involves risks. See the section titled “ Risk Factors” beginning on page S-11of this prospectus supplement and in our Annual Report on Form 10-Kfor the year ended December 31, 2024 to read about factors you should consider before buying the depositary shares representing an interest in the Preferred Stock. Neither the Securities and Exchange Commission (the “SEC”), any state securities commission, the FDIC, the Board of Governors of the Federal Reserve System (the “Federal Reserve”) nor any other regulatory body has approved or disapproved of these securities or passed upon the adequacy or accuracy of this prospectus supplement. Any representation to the contrary is a criminal offense.

|                                                        |     | Per Depositary 
 Share          |         |     | Total |             |
|:-------------------------------------------------------|:----|:---------------|--------:|:----|:------|------------:|
| Public offering price                                  |     | $              | 25.0000 |     | $     | 300,000,000 |
| Underwriting discounts(1)                              |     | $              |  0.3663 |     | $     |   4,396,000 |
| Proceeds to UMB Financial Corporation, before expenses |     | $