Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 0

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 0
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Filed Pursuant to Rule 424(b)(4)
Registration No. 333-286487 PROSPECTUS SUPPLEMENT (To Prospectus Dated April 11, 2025) UMB Financial Corporation 12,000,000 Depositary Shares Each Representing a 1/400th Interest in a Share of 7.750% Fixed-Rate Reset Non-CumulativePerpetual Preferred Stock, Series B We are offering 12,000,000 depositary shares (the “depositary shares”) each representing a 1/400th ownership interest in a share of our 7.750% Fixed-Rate Reset Non-CumulativePerpetual Preferred Stock, Series B, par value $0.01 per share (“Preferred Stock”), with a liquidation preference of $10,000 per share of Preferred Stock (equivalent to $25 per depositary share). As a holder of depositary shares, you will be entitled to all proportional rights and preferences of the Preferred Stock (including dividend, voting, redemption and liquidation rights). You must exercise these rights through the depositary. We will pay dividends on the Preferred Stock, when, as, and if declared by our Board of Directors (the “Board”) (or a duly authorized committee thereof). Dividends will accrue on the stated amount of $10,000 per share of Preferred Stock at a fixed rate per annum equal to (i) 7.750% from the original issue date of the Preferred Stock to, but excluding, July 15, 2030; and (ii) the five-year treasury rate as of the most recent reset dividend determination date (as defined herein) plus 3.743% for each reset period from, and including, July 15, 2030. Non-cumulativedividends will be payable in arrears, if declared, on January 15, April 15, July 15 and October 15 of each year, beginning on October 15, 2025. Upon payment of any dividends on the Preferred Stock, holders of depositary shares are expected to receive a proportionate payment. Dividends on the Preferred Stock will not be cumulative and will not be mandatory. We may redeem the Preferred Stock at our option, subject to regulatory approval (if then required), at a redemption price equal to $10,000 per share of Preferred Stock (equivalent of $25 per depositary share), plus any declared and unpaid dividends (without regard to any undeclared dividends