Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 3

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 3
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| DESCRIPTION OF DEPOSITARY SHARES                           |     |      | 12 |
| DESCRIPTION OF WARRANTS                                    |     |      | 16 |
| DESCRIPTION OF STOCK PURCHASE CONTRACTS AND STOCK PURCHASE 
 UNITS                                                      |     |      | 18 |
| DESCRIPTION OF DEBT SECURITIES                             |     |      | 20 |
| PLAN OF DISTRIBUTION (CONFLICTS OF INTEREST)               |     |      | 32 |
| LEGAL MATTERS                                              |     |      | 35 |
| EXPERTS                                                    |     |      | 35 |
| WHERE YOU CAN FIND MORE INFORMATION                        |     |      | 36 |

ABOUT THIS PROSPECTUS

This prospectus is part of an “automatic shelf” registration statement on Form S-3 that we
have filed with the Securities and Exchange Commission (the “SEC”), using a shelf registration process as a “well-known seasoned issuer,” as defined under the Securities Act of 1933, as amended (the “Securities Act”).
Under this shelf registration process, we may from time to time, offer and sell, in one or more offerings, in any combination, a number and amount of the securities described in this prospectus.

This prospectus provides you with a general description of the securities we may offer and sell. Each time we offer to sell securities
pursuant to this prospectus, we will provide a prospectus supplement that contains specific information about the terms of the offering and the securities offered. The prospectus supplement also may add to, update or change information provided in
this prospectus. If there is any inconsistency between the information contained or incorporated by reference in this prospectus, on the one hand, and the information contained or incorporated by reference in any applicable prospectus supplement, on
the other hand, you should rely on the information in the prospectus supplement. You should read this prospectus, the applicable prospectus supplement, any “free writing prospectus” and the other information described in “Where You
Can Find More Information” and “Incorporation of Certain Information by Reference” in this prospectus prior to investing.

Wherever references are made in this prospectus to information that will be included in a prospectus supplement, to the extent permitted by
applicable law, rules, or regulations, we may instead include such information or add, update, or change the information contained in this prospectus by means of a post-effective amendment to the registration statement, of which this prospectus is