Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 7

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 7
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 be important to you or that you should consider before investing in the depositary shares. You should carefully read this prospectus supplement and the accompanying base prospectus, including the “Risk Factors” section beginning on page S-11and the documents incorporated by reference, which are described under “Where You Can Find More Information” on page S-50.To the extent the information in this prospectus supplement is inconsistent with the information in the accompanying base prospectus or information incorporated by reference herein, you should rely on the information in this prospectus supplement.

UMB Financial Corporation

UMB Financial Corporation (together with its consolidated subsidiaries, unless the context requires otherwise, the “Company”) is a
financial holding company that is headquartered in Kansas City, Missouri. The Company provides banking services and asset servicing to its customers in the United States and around the globe.

The Company was organized as a corporation under Missouri law in 1967 and is registered as a bank holding company under the Bank Holding
Company Act of 1956, as amended (the “BHC Act”), and a financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended. The Company currently owns all of the outstanding stock of one national bank and several nonbank
subsidiaries.

The Company’s national bank, UMB Bank, has its principal office in Missouri and provides financial services primarily
throughout the Midwestern and Southwestern regions of the United States. UMB Bank offers a full complement of banking products and other services to commercial, retail, government, and correspondent-bank customers, including a wide range of
asset-management, trust, bankcard, and cash management services.

The Company also owns UMB Fund Services, Inc. (“UMBFS”), which
is a nonbank subsidiary that has offices in Milwaukee, Wisconsin, Chadds Ford, Pennsylvania, and Ogden, Utah. UMBFS provides fund accounting, transfer agency, and other services to mutual funds and other alternative investments.

The Company’s products and services are grouped into three segments: Commercial Banking, Institutional Banking, and Personal Banking. The
following summaries provide information about the activities of each segment:

Commercial Banking serves the commercial banking and
treasury management needs of the Company’s small to middle-market businesses through a variety of products and services. Such services include commercial loans, commercial real estate financing, commercial credit cards, letters of credit, loan
syndication services, and consultative services. In addition, the Company’s specialty lending group offers a variety of business solutions including