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( Mark One ) X UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington , D.C. 20549 FORM 10 - K ANNUAL REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended : December 31 , 2020 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15 ( d ) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number : 001-38481 UMB FINANCIAL CORPORATION ( Exact name of registrant as specified in its charter ) Missouri ( State or other jurisdiction of incorporation or organization ) 1010 Grand Boulevard , Kansas City , Missouri ( Address of principal executive offices ) Title of each class Common Stock , $ 1.00 Par Value X 43-0903811 ( I.R.S. Employer Identification No. ) ( Registrant's telephone number , including area code ) : ( 816 ) 860-7000 Securities Registered Pursuant to Section 12 ( b ) of the Act : Trading Symbol ( s ) . UMBF Securities Registered Pursuant to Section 12 ( g ) of the Act : None 64106 ( Zip Code ) Name of each exchange on which registered The NASDAQ Global Select Market No Indicate by check mark if the registrant is a well - known seasoned issuer , as defined in Rule 405 of the Securities Act . Yes □ No Indicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15 ( d ) of the Act . □ Yes Indicate by check mark whether the registrant ( 1 ) has filed all reports required to be filed by Section 13 or 15 ( d ) of the Securities Exchange Act of 1934 during the preceding 12 months ( or for such shorter period that the registrant was required to file such reports ) , and ( 2 ) has been subject to such filing requirements for the past 90 days . Yes - No Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S - T ( §232.405 of this chapter ) during the preceding 12 months ( or for such shorter period that the registrant was required to submit such files ) . > Yes □ No Indicate by check mark whether the registrant is a large accelerated filer , an accelerated filer , a non - accelerated filer , a smaller reporting company , or emerging growth company . See the definitions of “ large accelerated filer , " " accelerated filer , ” “ smaller reporting company ” , and “ emerging growth company ” in Rule 12b - 2 of the Exchange Act . Large accelerated filer Accelerated filer Non - accelerated filer Smaller reporting company 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 . 000 Indicate by check mark whether the registrant has filed a report on and attestation to its management's assessment of the effectiveness of its internal control over financial reporting under Section 404 ( b ) of the Sarbanes - Oxley Act ( 15 U.S.C. 7262 ( b ) ) by the registered public accounting firm that prepared or issues its audit report . Indicate by check mark whether the registrant is a shell company ( as defined in Rule 12b - 2 of the Act ) . □ Yes No As of June 30 , 2020 , the aggregate market value of common stock outstanding held by nonaffiliates of the registrant was approximately $ 2,226,284,007 based on the closing price of the registrant's common stock on the NASDAQ Global Select Market on that date . Indicate the number of shares outstanding of each of the registrant's classes of common stock , as of the latest practicable date . Class Common Stock , $ 1.00 Par Value Outstanding at February 19 , 2021 48,180,607 DOCUMENTS INCORPORATED BY REFERENCE Portions of the Company's Definitive Proxy Statement on Schedule 14A ( the " Proxy Statement " ) to be delivered to shareholders in connection with the Annual Meeting of Shareholders to be held on April 27 , 21 , are incorporated by reference into Part III of this Annual Report on Form 10 - K .