Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 8

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 8
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 asset-based lending, mezzanine debt and minority equity investments. Treasury management
services include depository services, account reconciliation and cash management tools such as, accounts payable and receivable solutions, electronic fund transfer and automated payments, controlled disbursements, lockbox services, and remote
deposit capture services.

Institutional Banking is a combination of banking services, fund services, asset management services,
and healthcare services provided to institutional clients. This segment also provides fixed income sales, trading and underwriting, corporate trust and escrow services, as well as institutional custody. Healthcare services provides healthcare
payment solutions including custodial services for health savings accounts and private label, multipurpose debit cards to insurance carriers, third-party administrators, software companies, employers, and financial institutions. Institutional
Banking includes UMBFS (described above).

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Personal Banking combines consumer banking and wealth management services offered to
clients and delivered through personal relationships and the Company’s bank branches, ATM network and internet banking. Products offered include deposit accounts, retail credit cards, private banking, installment loans, home equity lines of
credit, and residential mortgages. The range of client services extends from a basic checking account to estate planning and trust services and includes private banking, brokerage services, and insurance services in addition to a full spectrum of
investment advisory, trust, and custody services.

As of March 31, 2025, the Company had $20.1 billion of private wealth assets
under management and assets under administration, and $558.9 billion of institutional banking assets under administration.

Our
principal executive offices are located at 1010 Grand Boulevard, Kansas City, Missouri 64106. Our telephone number is (816) 860-7000.

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The Offering The following summary contains basic information about the depositary shares, Preferred Stock and this offering and is not intended to be complete. It does not contain all the information that you should consider before deciding whether to invest in the depositary shares. For a complete understanding of the depositary shares and Preferred Stock, you should read the sections of this prospectus supplement entitled “Description of the Series B Preferred Stock” and “Description of Depositary Shares.”

| Issuer | UMB Financial Corporation, a Missouri corporation. |

| Securities Offered | 12,000,000 depositary shares each representing a 1/400th ownership interest in a share of our 7.750% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B, par value