Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 73

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 73
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 specifically incorporated by reference in this document), by contacting us at the following address or telephone number: UMB Financial Corporation Attn: Corporate Secretary 1010 Grand Boulevard Kansas City, Missouri 64106 (816) 860-7000 S-51

PROSPECTUS UMB Financial Corporation Common Stock, Preferred Stock, Depositary Shares, Warrants, Stock Purchase Contracts, Stock Purchase Units and Debt Securities We may offer, from time to time, in one or more offerings, together or separately, in one or more series or classes and in amounts, at prices and on terms that we will determine at the time of offering:

| • |     | shares of common stock; |

| • |     | shares of preferred stock; |

| • |     | depositary shares; |

| • |     | warrants; |

| • |     | stock purchase contracts; |

| • |     | stock purchase units; or |

| • |     | debt securities, which may be either senior debt securities or subordinated debt securities. |

We refer to the common stock, preferred stock, depositary shares, warrants, stock purchase contracts, stock purchase units and debt securities collectively as the “securities” in this prospectus. This prospectus describes some of the general terms that may apply to these securities and the general manner in which they may be offered. We will provide the specific terms of these securities in prospectus supplements. You should read this prospectus, the applicable prospectus supplement and any “free writing prospectus” carefully before you invest. The securities may be offered and sold directly or to or through one or more agents, underwriters or dealers or through a combination of these methods on an immediate, continuous or delayed basis. If any agent, underwriter or dealer is involved in selling the securities, its name, the applicable purchase price, fee, commission or discount arrangement, and the net proceeds to us from the sale of the securities will be described in the applicable prospectus supplement. This prospectus may not be used to consummate sales of securities unless accompanied by the applicable prospectus supplement. See “Plan of Distribution” in this prospectus. Our common stock is listed on The NASDAQ Global Select Market (“NASDAQ”) under the symbol “UMBF.” The last reported sale price of our common stock on NASDAQ on April 10, 2025 was $88.14 per share. Investing in these securities involves risks. See “ Risk Factors” on page 6 of this prospectus. Before buying our securities,