Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 109

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 109
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MB Financial Services, Inc., may use this prospectus and the applicable prospectus supplement in connection with offers and sales of securities in the secondary market. Those subsidiaries may act as principal or agent in those transactions. In addition, we may issue the securities as a dividend or distribution or in a subscription rights offering to existing security holders. The distribution of securities offered under this prospectus may be effectuated from time to time in one or more transactions either:

| • |     | at a fixed price or prices which may be changed; |

| • |     | at market prices prevailing at the time of sale; |

| • |     | at prices relating to those market prices; or |

| • |     | at negotiated prices. |

For each offering of securities, the prospectus supplement will describe:

| • |     | the plan of distribution; |

| • |     | the terms of the offering; |

| • |     | the names of any agents, dealers or underwriters; |

| • |     | the name or names of any managing underwriter or underwriters; |

| • |     | the securities exchanges on which the securities will be listed, if any; |

| • |     | the purchase price of the securities; |

| • |     | the net proceeds to us from the sale of the securities; |

| • |     | any delayed delivery arrangements; |

| • |     | any underwriting discounts, commissions and other items constituting underwriters’ compensation; |

| • |     | any public offering price; and |

| • |     | any discounts, commissions, concessions or fees allowed or reallowed or paid to dealers or agents. |

If underwriters are used in the sale, they will buy the securities for their own account, either on a firm commitment or best efforts basis. The underwriters may then resell from time to time the securities in one or more transactions, including without limitation, negotiated transactions, at a fixed public offering price, at any market price in effect at the time of sale or at a discount from any such market price or otherwise at varying prices determined by the underwriters at the time of sale. The obligations of the underwriters to purchase the securities will be subject to certain conditions. Any discounts or concessions allowed or re-allowedor paid to dealers may be changed by the underwriters from time to time. 32

In connection with the sale of the securities, underwriters may receive compensation from us
or from purchasers of the securities, for whom they may