Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 44

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 44
---
 incorporated by reference herein and in the registration
statement in reliance upon the reports of KPMG LLP, an independent registered public accounting firm, incorporated by reference herein, and upon the authority of said firm as experts in accounting and auditing.

The consolidated financial statements of Heartland Financial USA, Inc. (HTLF) as of December 31, 2024 and 2023, and for each of the years
in the three-year period ended December 31, 2024 have been incorporated by reference herein and in the registration statement in reliance upon the report of KPMG LLP, independent auditors, incorporated by reference herein, and upon the
authority of said firm as experts in accounting and auditing. The audit report covering the December 31, 2024 consolidated financial statements contains an emphasis of matter paragraph that states that, as discussed in Note 1 to the
consolidated financial statements, subsequent to the date of the consolidated financial statements, UMB Financial Corporation (UMB) acquired all of the outstanding stock of HTLF and at that time, HTLF merged with and into UMB, with UMB continuing as
the surviving corporation.

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WHERE YOU CAN FIND MORE INFORMATION

We are subject to the informational requirements of the Exchange Act, and in accordance with those requirements, we file Annual Reports on
Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and other information with the SEC. The SEC maintains
an Internet website that contains reports, proxy and information statements and other information regarding issuers that file electronically with the SEC. Our SEC filings are available on the SEC’s website at www.sec.gov. Unless specifically
listed or described under “Incorporation of Certain Information by Reference,” the information contained on the SEC website is not intended to be incorporated by reference in this prospectus and you should not consider that information a
part of this prospectus.

We have filed with the SEC a registration statement on Form S-3, of
which this prospectus is a part, covering the securities described in this prospectus. You should be aware that this prospectus does not contain all of the information contained or incorporated by reference in the registration statement and its
exhibits. You may inspect and obtain the registration statement, including exhibits, reports and other information that we have filed with the SEC, as described in the preceding paragraph.

We will also provide to you, at no cost, a copy of any document incorporated by reference in this prospectus and any exhibits specifically