Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 83

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 83
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 winding up of the corporation, and the relative rights of priority, if any, of payment of shares of that series; and |

| • |     | Any other rights and privileges and any qualifications, limitations or restrictions of such rights and privileges                                                                                                                                      
 of such series; provided, however, that the designations, powers, preferences and rights, and the qualifications, limitations or restrictions thereof, so fixed by the Board will not conflict with the Restated Articles of Incorporation or with the 
 resolution or resolutions adopted by the Board, providing for the issue of any series of preferred stock for which there are then shares outstanding.                                                                                                  |

The issuance of preferred stock, or the issuance of any rights or warrants to purchase preferred stock, could discourage an unsolicited acquisition proposal. In addition, the rights of common shareholders will be subject to, and may be adversely affected by, the rights of any preferred shareholders for preferred shares that we may issue in the future. Unless otherwise indicated in the applicable prospectus supplement, all shares of preferred stock to be issued from time to time under this prospectus will be fully paid and nonassessable. The applicable prospectus supplement will describe the specific terms as to each issuance of preferred stock, including:

| • |     | the description or designation of the preferred stock; |

| • |     | the number of shares of preferred stock offered; |

| • |     | the voting rights, if any, of the holders of shares of preferred stock; |

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| • |     | the offering price or prices of the preferred stock; |

| • |     | whether dividends will be cumulative and, if so, the dividend rate, when dividends will be paid, or the method of 
 determining the dividend rate if it is based on a formula or not otherwise fixed;                                 |

| • |     | the date from which dividends on the preferred stock will accumulate; |

| • |     | the provisions for any auctioning or remarketing, if any, of the preferred stock; |

| • |     | the provision, if any, for redemption or a sinking fund; |

| • |     | the dividend and liquidation preference per share of preferred stock; |

| • |     | whether the preferred stock will be issued in other than book-entry form; |

| • |     | any listing of the preferred stock on a securities exchange; |

| • |     | whether the preferred stock will be convertible or exchangeable and, if so, the security into which they are                                                          
 convertible or