Results of Operations · Reg FD Disclosure

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549     Form 8-K     CURRENT REPORT Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934   Date of Report (Date of earliest event reported):   4/25/2023     UMB FINANCIAL CORP ORATION (Exact name of registrant as specified in its charter)     Commission File Number: 001-38481   Missouri    43-0903811 (State or other jurisdiction of    (IRS Employer incorporation)    Identification No.)   1010 Grand Blvd. , Kansas City , MO 64106 (Address of principal executive offices, including zip code)   ( 816 ) 860-7000 (Registrant’s telephone number, including area code)   (Former name or former address, if changed since last report)     Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions:   ☐ Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)     ☐ Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)     ☐ Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))     ☐ Pre-commencement communications pursuant to Rule 13c-4(c) under the Exchange Act (17 CFR 240.13e-4(c))   Securities Registered Pursuant to Section 12(b) of the Act: Title of each class Trading Symbol(s) Name of each exchange on which registered Common Stock, $1.00 Par Value UMBF The NASDAQ Global Select Market     Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).   Emerging growth company ☐   If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐         Item 2.02 Results of Operations and Financial Condition   On April 25, 2023, UMB Financial Corporation (the “Company”) issued a press release announcing the financial results for the Company for the quarter ended March 31, 2023.  A copy of the press release is attached as Exhibit 99.1 and the information is hereby incorporated by reference herein. The Company does not incorporate by reference information presented at any website referenced in the press release.   The information contained in Item 2.02 of this Current Report on Form 8-K, including Exhibit 99.1 hereto, is being furnished and shall not be deemed to be “filed” with the Securities and Exchange Commission (“SEC”) for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended (the “Exchange Act”) or otherwise subject to the liabilities of that section and is not incorporated by reference into any filing of the Company under the Securities Act of 1933, as amended (the “Securities Act”), or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing.   Item 7.01    Regulation FD Disclosure   On April 25, 2023, the Company announced in the same press release that the Board of Directors of the Company had declared a quarterly dividend of $0.38 per share that is payable on July 3, 2023 to shareholders of record of the Company as of the close of business on June 12, 2023.   The Company is furnishing a copy of materials that will be used in the Company’s shareholder conference call at 8:30 a.m. (CT) on April 26, 2023.  A copy of the materials is attached as Exhibit 99.2 and will be available on the Company’s website at www.umb.com.  The materials are dated April 25, 2023, and the Company disclaims any obligation to correct or update any of the materials in the future.   In addition, the Company is furnishing a copy of materials that were used in the presentation delivered by the Company’s representatives at the 2023 Annual Meeting of Shareholders that was held virtually at 9:00 a.m. (CT) on April 25, 2023.  A copy of the materials is attached as Exhibit 99.3 and is available on the Company’s website at www.umb.com .  The materials are dated April 25, 2023, and the Company disclaims any obligation to correct or update any of the materials in the future.   The information provided under Item 7.01 of this Current Report on Form 8-K, including Exhibits 99.1, 99.2, and 99.3 hereto, is being furnished and is not deemed to be “filed” with the SEC for the purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that section and is not incorporated by reference into any filing of the Company under the Securities Act or the Exchange Act, whether made before or after the date hereof, except as shall be expressly set forth by specific reference to this Current Report on Form 8-K in such a filing. The Company does not incorporate by reference to this Current Report on Form 8-K information presented at any website referenced in this report or in any of the Exhibits attached hereto.                                         Item 9.01    Financial Statements and Exhibits   99.1 Press Release announcing financial results for quarter ended March 31, 2023, and announcing dividend declaration.   99.2 Investor Presentation Materials, dated April 25, 2023.   99.3 Presentation for the 2023 Annual Meeting of the Shareholders.   104 The cover page from this Current Report on Form 8-K, formatted in Inline XBRL.             SIGNATURES   Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.   UMB FINANCIAL CORPORATION     By:     /s/ Ram Shankar   Ram Shankar Chief Financial Officer Date: April 25, 2023