Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 78

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 78
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| • |     | our ability to develop, maintain, or market products or services or to absorb unanticipated costs or liabilities 
 associated with those products or services;                                                                      |

| • |     | our ability to innovate to anticipate the needs of current or future customers, to successfully compete in its                                        
 chosen business lines, to increase or hold market share in changing competitive environments, or to deal with pricing or other competitive pressures; |

| • |     | changes in the credit, liquidity, or other condition of our customers, counterparties, or competitors; |

| • |     | our ability to effectively deal with economic, business, or market slowdowns or disruptions; |

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| • |     | judicial, regulatory, or administrative investigations, proceedings, disputes, or rulings that create uncertainty 
 for, or are adverse to, us or the financial-services industry;                                                    |

| • |     | our ability to address changing or stricter regulatory or other governmental supervision or requirements; |

| • |     | our ability to maintain secure and functional financial, accounting, technology, data processing, or other 
 operating systems or facilities, including its capacity to withstand cyber-attacks;                        |

| • |     | the adequacy of our corporate governance, risk-management framework, compliance programs, or internal controls,                       
 including its ability to control lapses or deficiencies in financial reporting or to effectively mitigate or manage operational risk; |

| • |     | the efficacy of our methods or models in assessing business strategies or opportunities or in valuing, measuring, 
 monitoring, or managing positions or risk;                                                                        |

| • |     | 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; |

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