Company: UMBFO
Filing Date: 2025-06-25
Form Type: 11-K
Source: 0000950170-25-089908
Chunk: 0

Company: UMB FINANCIAL CORP
Filing Date: 2025-06-25
Form: 11-K
Chunk 0
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 11-K

| ☒ | ANNUAL REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |

For the fiscal year ended December 31, 2024

| ☐ | TRANSITION REPORT PURSUANT TO SECTION 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 |

For the transition period from _______ to _______ Commission file number 001-38481 A. Full title of the plan: UMB Profit Sharing and 401(k) Savings Plan B. Name of the issuer of the securities held pursuant to the plan and the address of its principal executive office: UMB Financial Corporation 1010 Grand Boulevard Kansas City, Missouri 64106

UMB PROFIT SHARING AND 401(k) SAVINGS PLAN FINANCIAL STATEMENTS CONTENTS

|                                                           | Page |
| Report of Independent Registered Public Accounting Firm   |    3 |
| Financial Statements                                      |      |
| Statement of Net Assets Available for Benefits            |    5 |
| Statement of Changes in Net Assets Available for Benefits |    6 |
| Notes to Financial Statements                             |    7 |
| Supplementary Information                                 |      |
| Schedule of Assets (Held at End of Year)                  |   14 |
| Signature                                                 |   15 |
| Exhibit Index                                             |   16 |

<div align='center'>Report of Independent

Registered Public Accounting Firm</div>

Personnel Programs and Employee Benefit Administrative

Committee of UMB Financial Corporation and Plan Participants of

UMB Profit Sharing and 401(k) Savings Plan

Kansas City, Missouri

Opinion On The Financial Statements

We have audited the accompanying statement of net assets available for benefits of UMB Profit Sharing and 401(k) Savings Plan (the Plan) as of December 31, 2024 and 2023, and the related statement of changes in net assets available for benefits for the years then ended, and related notes (collectively referred to as the financial statements). In our opinion, the financial statements present fairly, in all material respects, the net assets available for benefits of the Plan as of December 31, 2024 and 2023, and the changes in net assets available for benefits for the years then ended, in conformity with accounting principles generally accepted in the United States of America.

Basis For Opinion

These financial statements