Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 77

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 77
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 other words of comparable meaning or future-tense or conditional verbs such as “may,” “will,” “should,” “would,” or “could.” Forward-looking statements convey our expectations, intentions, or forecasts about future events, circumstances, results, or aspirations, in each case as of the date such forward looking statements are made. This prospectus, including any information incorporated by reference in this prospectus, contains forward-looking statements. We also may make forward-looking statements in other documents that are filed or furnished with the SEC. In addition, we may make forward-looking statements orally or in writing to investors, analysts, members of the media, or others. All forward-looking statements, by their nature, are subject to assumptions, risks, and uncertainties, which may change over time and many of which are beyond our control. You should not rely on any forward-looking statement as a prediction or guarantee about the future. Actual future objectives, strategies, plans, prospects, performance, conditions, or results may differ materially from those set forth in any forward-looking statement. While no list of assumptions, risks, or uncertainties could be complete, some of the factors that may cause actual results or other future events, circumstances, or aspirations to differ from those in forward-looking statements include:

| • |     | local, regional, national, or international business, economic, or political conditions or events; |

| • |     | changes in laws or the regulatory environment, including as a result of recent financial-services legislation or 
 regulation;                                                                                                      |

| • |     | changes in monetary, fiscal, or trade laws or policies, including as a result of actions by central banks or 
 supranational authorities;                                                                                   |

| • |     | the pace and magnitude of interest rate movements; |

| • |     | changes in accounting standards or policies; |

| • |     | shifts in investor sentiment or behavior in the securities, capital, or other financial markets, including 
 changes in market liquidity or volatility or changes in interest or currency rates;                        |

| • |     | changes in spending, borrowing, or saving by businesses or households; |

| • |     | our ability to effectively manage capital or liquidity or to effectively attract or deploy deposits; |

| • |     | changes in any credit rating assigned to the Company or our affiliates; |

| • |     | adverse publicity or other reputational harm to us; |

| • |     | changes in our corporate strategies, the composition of its assets, or the way in which it funds those assets