Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 6

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 6
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 methods or models in assessing business strategies or opportunities or in valuing, measuring, 
 monitoring, or managing positions or risk;                                                                        |

| • |     | our ability to keep pace with changes in technology that affect us or our customers, counterparties, or 
 competitors;                                                                                            |

| • |     | mergers, acquisitions, or dispositions, including our ability to integrate acquisitions and divest assets; |

| • |     | our ability to manage the expenses associated with the merger with Heartland Financial USA, Inc. 
 (“HTLF”) and the impact these expenses may have on our financial results;                        |

| • |     | the benefits from the merger with HTLF may not be fully realized or may take longer to realize than expected; |

| • |     | our ability to promptly and effectively integrate the merger with HTLF; |

| • |     | the adequacy of our succession planning for key executives or other personnel; |

| • |     | our ability to grow revenue, control expenses, or attract and retain qualified employees; |

| • |     | natural disasters, war, terrorist activities, including instability in the Middle East and Russia’s military 
 action in Ukraine, pandemics, and their effects on economic and business environments in which we operate;   |

| • |     | macroeconomic and adverse developments and uncertainties related to the collateral effects of the collapse of,                                                    
 and challenges for, domestic and international banks, including the impacts to the U.S. and global economies and reputational harm to the U.S. banking system; or |

| • |     | other assumptions, risks, or uncertainties described in any of our annual, quarterly or current reports. |

Any forward-looking statement made by us or on our behalf speaks only as of the date that it was made. We do not undertake to update any forward-looking statement to reflect the impact of events, circumstances, or results that arise after the date that the statement was made, except as required by applicable securities laws. You, however, should consult further disclosures (including disclosures of a forward-looking nature) that we make in any subsequent Annual Report on Form 10-K,Quarterly Report on Form 10-Q,Current Report on Form 8-K,or other applicable document that is filed or furnished with the SEC. S-3

SUMMARY

This summary highlights information contained elsewhere in, or incorporated by reference into, this prospectus supplement and the accompanying base prospectus. As a result, it does not contain all of the information that may