Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 71

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 71
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Gontard P.C., Kansas City, Missouri, and certain legal matters with respect to the offering of the depositary shares described in this prospectus supplement will be passed upon for us by Davis Polk & Wardwell LLP, and for the underwriters
by Sidley Austin LLP, New York, New York.

EXPERTS

The consolidated financial statements of UMB Financial Corporation as of December 31, 2024 and 2023, and for each of the years in the
three-year period ended December 31, 2024, and management’s assessment of the effectiveness of internal control over financial reporting as of December 31, 2024 have been incorporated by reference herein and in the registration
statement in reliance upon the reports of KPMG LLP, an independent registered public accounting firm, incorporated by reference herein, and upon the authority of said firm as experts in accounting and auditing.

The consolidated financial statements of Heartland Financial USA, Inc. (HTLF) as of December 31, 2024 and 2023, and for each of the years
in the three-year period ended December 31, 2024 have been incorporated by reference herein and in the registration statement in reliance upon the report of KPMG LLP, independent auditors, incorporated by reference herein, and upon the
authority of said firm as experts in accounting and auditing. The audit report covering the December 31, 2024 consolidated financial statements contains an emphasis of matter paragraph that states that, as discussed in Note 1 to the
consolidated financial statements, subsequent to the date of the consolidated financial statements, UMB Financial Corporation (UMB) acquired all of the outstanding stock of HTLF and at that time, HTLF merged with and into UMB, through wholly owned
subsidiaries, with UMB continuing as the surviving corporation.

WHERE YOU CAN FIND MORE INFORMATION

Available Information

We are
subject to the informational requirements of the Exchange Act, and in accordance with those requirements, we file Annual Reports on Form 10-K, Quarterly Reports on Form
10-Q, Current Reports on Form 8-K and other information with the SEC. The SEC maintains an Internet website that contains reports, proxy and information statements
and other information regarding issuers that file electronically with the SEC. Our SEC filings are available on the SEC’s website at www.sec.gov. Our filings with the SEC are also available on our website at www.umb.com. Except for the
documents specifically incorporated by reference into this prospectus