Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 2

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 2
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 or to or through one or more agents, underwriters or dealers or through a combination of these methods on an immediate, continuous or delayed basis. If any agent, underwriter or dealer is involved in selling the securities, its name, the applicable purchase price, fee, commission or discount arrangement, and the net proceeds to us from the sale of the securities will be described in the applicable prospectus supplement. This prospectus may not be used to consummate sales of securities unless accompanied by the applicable prospectus supplement. See “Plan of Distribution” in this prospectus. Our common stock is listed on The NASDAQ Global Select Market (“NASDAQ”) under the symbol “UMBF.” The last reported sale price of our common stock on NASDAQ on April 10, 2025 was $88.14 per share. Investing in these securities involves risks. See “ Risk Factors” on page 6 of this prospectus. Before buying our securities, you should carefully read this prospectus, the applicable prospectus supplement, and documents incorporated by reference, including the risk factors described in any of those documents. See “Where You Can Find More Information” in this prospectus. These securities will not be deposits or other obligations insured by the Federal Deposit Insurance Corporation or any other government agency. None of the Securities and Exchange Commission, any state securities commission, the Board of Governors of the Federal Reserve System, the Securities Investor Protection Corporation, the Federal Deposit Insurance Corporation, or any other regulatory body has approved or disapproved of these securities or passed upon the adequacy or accuracy of this prospectus. Any representation to the contrary is a criminal offense. Our principal executive offices are located at 1010 Grand Boulevard, Kansas City, Missouri 64106, and our telephone number is (816) 860-7000. The date of this prospectus is April 11, 2025.

TABLE OF CONTENTS

|                                                            |     | PAGE |    |
| ABOUT THIS PROSPECTUS                                      |     |      |  1 |
| INCORPORATION OF CERTAIN INFORMATION BY REFERENCE          |     |      |  3 |
| CAUTIONARY NOTICE ABOUT FORWARD-LOOKING STATEMENTS         |     |      |  4 |
| RISK FACTORS                                               |     |      |  6 |
| THE COMPANY                                                |     |      |  7 |
| USE OF PROCEEDS                                            |     |      |  8 |
| DESCRIPTION OF CAPITAL STOCK                               |     |      |  9 |