Company: UMBFO
Filing Date: 2025-04-14
Form Type: 8-K/A
Source: 0001193125-25-079595
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Company: UMB FINANCIAL CORP
Filing Date: 2025-04-14
Form: 8-K/A
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UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 8-K/A (Amendment No. 2) CURRENT REPORT PURSUANT TO SECTION 13 OR 15 (d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of Report (Date of earliest event reported): January 31, 2025 UMB FINANCIAL CORPORATION (Exact name of registrant as specified in its charter)

| MO                                                             |     | 001-38481            |     | 43-0903811                       |
| (State or other jurisdiction of incorporation or organization) |     | -Commission File No. |     | -IRS Employer Identification No. |

| 1010 Grand Blvd. Kansas City, MO         |     |     64106 |
| (Address of principal executive offices) |     | -Zip Code |

(816) 860-7000 (Registrant’s telephone number, including area code) Not Applicable (Former name or former address, if changed since last report) Check the appropriate box below if the Form 8-Kfiling is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):

| ☐ | Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425) |

| ☐ | Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a- 12) |

| ☐ | Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b)) |

| ☐ | Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c)) |

Securities registered pursuant to Section 12(b) of the Act:

| Title of each class                                                                                                                             |     | Trading Symbol(s) |     | Name of exchange on which registered |
| Common Stock, $1.00 Par Value                                                                                                                   |     | UMBF              |     | The Nasdaq Global Select Market      |
| Depositary Shares, each representing a 1/400th interest in a share of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A |     | UMBFP             |     | The Nasdaq Global Select Market      |

Indicate