Company: UMBFO
Filing Date: 2025-04-14
Form Type: 8-K/A
Source: 0001193125-25-079595
Chunk: 2

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-14
Form: 8-K/A
Chunk 2
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9.01. | Financial Statements and Exhibits. |

(a) Pro Forma Financial Information The following unaudited pro forma combined financial information is filed as Exhibit 99.1 hereto and is incorporated herein by reference.

| • |     | Notes to the unaudited pro forma combined financial information. |

The unaudited pro forma condensed combined financial information is not intended to represent or be indicative of the Company’s consolidated results of operations or financial position that would have been reported had the Merger been completed as of the dates presented, and should not be taken as a representation of the Company’s future consolidated results of operations or financial condition. The pro forma adjustments are based on available information and certain assumptions that management believes are reasonable under the circumstances.

(b) Exhibits

| Exhibit No. 
 99.1        |     | Description of Exhibits                                                                                                                                                                                                     
 The unaudited pro forma condensed combined balance sheet as of December 31, 2024, and the unaudited pro forma condensed combined statement of income for the year ended December 31, 2024, together with the notes thereto. |
|:------------|:----|:----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------|
| 104         |     | Cover Page Interactive Data File (formatted as Inline XBRL)                                                                                                                                                                 |

SIGNATURE Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

| Date: April 14, 2025 |     | UMB FINANCIAL CORPORATION |     |                         |
|:---------------------|:----|:--------------------------|:----|:------------------------|
|                      |     | By:                       |     | /s/ Ram Shankar         |
|                      |     | Name:                     |     | Ram Shankar             |
|                      |     | Title:                    |     | Chief Financial Officer |