Company: UMBFO
Filing Date: 2025-03-14
Form Type: DEF 14A
Source: 0001193125-25-054504
Chunk: 0

Company: UMB FINANCIAL CORP
Filing Date: 2025-03-14
Form: DEF 14A
Chunk 0
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 SCHEDULE 14AINFORMATION Proxy Statement Pursuant to Section 14(a) of the Securities Exchange Act of 1934 (Amendment No. ) Filed by the Registrant ☒ Filed by a Party other than the Registrant ☐ Check the appropriate box:

| ☐ |     | Preliminary Proxy Statement                                                    |
| ☐ |     | Confidential, for Use of the Commission Only (as permitted by Rule14a-6(e)(2)) |
| ☒ |     | Definitive Proxy Statement                                                     |
| ☐ |     | Definitive Additional Materials                                                |
| ☐ |     | § 240.14a-12                                                                   |

UMB Financial Corporation (Name of Registrant as Specified In Its Charter) (Name of Person(s) Filing Proxy Statement, if other than the Registrant) Payment of Filing Fee (Check the appropriate box):

| ☒ |     | No fee required.                                                                                                                                                                                                                                                                    |
| ☐ |     | Fee paid previously with preliminary materials.                                                                                                                                                                                                                                     |
| ☐ |     | Check box if any part of the fee is offset as provided by Exchange Act Rule 0-11(a)(2) and identify the filing for which the offsetting fee was paid previously. Identify the previous filing by registration statement number, or the Form or Schedule and the date of its filing. |

### NOTICEOFTHE

#### 2025 VIRTUALANNUALMEETING

### OFSHAREHOLDERS

### ANDPROXYSTATEMENT
<div align='center'>April 29, 2025, at

9:00 a.m. CDT</div>

### UMB Financial Corporation
<div align='center'>1010 Grand Boulevard

Kansas City, Missouri 64106</div>

NOTICE OF THE 2025 VIRTUAL ANNUAL MEETING OF SHAREHOLDERS OF UMB FINANCIAL CORPORATION

| Date and Time:     |     | Tuesday, April 29, 2025, at 9:00 a.m. CDT                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                           |
|:-------------------|:----|:----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| Place:             |     | Virtual Meeting                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     |
|                    |     | We are pleased to be able to host the 2025 Annual Meeting of Shareholders virtually to provide expanded access, improved communication and