Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 13

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 13
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 the depositary shares.                                                                                                                                 |

S-9

| Tax Consequences | For discussion of the tax consequences relating to the ownership and disposition of depositary shares, see “Material United States Federal Tax Considerations.” |

| Use of Proceeds | We estimate that the net proceeds of this offering, after deducting the underwriting discounts and estimated offering expenses payable by us, will be approximately $294,529,000. We expect to use the net proceeds from the sale of the depositary                           
 shares for general corporate purposes, which may include the redemption of all outstanding shares of the Series A Preferred Stock and the repurchase, redemption, or retirement of a portion of our 3.70% Fixed-to-Fixed Rate Subordinated Notes due 2030 (the “2030 Notes”). |

| Risk Factors | See “Risk Factors” beginning on page S-15 of this prospectus supplement and other information included or incorporated by reference in this prospectus supplement and the accompanying prospectus 
 for a discussion of factors you should consider carefully before deciding to invest in the depositary shares.                                                                                     |

| Registrar and Transfer Agent | Computershare Trust Company, N.A. will be the transfer agent and the registrar for the Preferred Stock, and the registrar and the transfer agent for the depositary shares. |

| Depositary | Computershare Trust Company, N.A. and Computershare Inc., jointly will be the depositary. |

| Calculation Agent | We will appoint a calculation agent for the Preferred Stock prior to the third business day immediately preceding the First Reset Date. We may appoint ourselves or an affiliate of ours as calculation agent. |

S-10

RISK FACTORS

An investment in the depositary shares involves a high degree of risk. You should carefully consider the following risk factors and other information in this prospectus supplement, in the documents incorporated by reference in this prospectus supplement and in the accompanying base prospectus, including our 2024 10-K,as supplemented or updated by our other filings with the SEC before deciding whether this investment is suited to your particular circumstances. These risks are not the only risks we face. Our business operations could also be affected by additional factors that are not currently known to us or that we currently consider to be immaterial to our operations.

Risks Relating to the Depositary Shares

You are making an investment decision about both the depositary shares and the Preferred Stock.

As described in this prospectus supplement, we are issuing depositary shares representing fractional interests in shares of Preferred Stock.