Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 79

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 79
---
 • |     | natural disasters, war, terrorist activities, including instability in the Middle East and Russia’s military  
 action in Ukraine, pandemics, and their effects on the economic and business environment 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. |

You should also consider the risks described in the “Risk Factors” section of our most recent Annual Report on Form 10-Kand, to the extent applicable, our Quarterly Reports on Form 10-Q,in evaluating any forward-looking statements included or incorporated by reference in this prospectus. 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 may 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. 5

RISK FACTORS

An investment in our securities involves risks. Before buying our securities, you should carefully read and consider the risk factors included
in our periodic reports or in the prospectus supplement relating to the specific offering, and in other information that we file with the SEC which is incorporated by reference in this prospectus. See “Where You Can Find More Information”
in this prospectus.

6

THE COMPANY

UMB Financial Corporation (together with its consolidated subsidiaries, unless the context requires otherwise, the Company) is a financial
holding company that is headquartered in Kansas City, Missouri. The Company provides banking services and asset servicing to its customers in the United States and around the globe.

The Company was organized as a corporation under Missouri law in 1967 and is registered as a bank holding company under the Bank Holding
Company Act of 1956, as amended and a financial holding company under the Gramm-Leach-Bliley Act of 1999, as amended. The Company currently