Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 9

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 9
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 $0.01 per share, with a 
 liquidation preference of $10,000 per share of Preferred Stock (equivalent to $25 per depositary share).                                                                                                    |

| Each holder of depositary shares will be entitled, through the depositary, in proportion to the applicable fraction of a share of Preferred Stock represented by such depositary shares, to all the rights and preferences 
 of the Preferred Stock represented thereby (including dividend, voting, redemption and liquidation rights).                                                                                                                |

| We reserve the right to re-open this series of preferred stock and issue additional shares of Preferred Stock either through public or private sales at any time and from time to                                                                     
 time without notice to or consent of holders of the Preferred Stock or the depositary shares; provided that any such additional shares of Preferred Stock are treated as fungible with the Preferred Stock offered hereby for U.S. federal income tax 
 purposes.                                                                                                                                                                                                                                             |

| The additional shares would form a single series together with all previously issued shares of Preferred Stock. In the event we issue additional shares of Preferred Stock, we expect to cause a corresponding number of 
 additional depositary shares to be issued.                                                                                                                                                                               |

| Dividends | We will pay dividends on the Preferred Stock, when, as, and if declared by the Board (or a duly authorized committee thereof). Dividends on the                                                                                                          
 Preferred Stock 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, the dividend payment date on July 15, 2030 
 (the “First Reset Date”) and (ii) the five-year treasury rate as of the most recent reset dividend determination date (as defined under “Description of the Series B Preferred Stock—Dividends”) plus 3.743%, during each                                
 reset period, from, and including, the First Reset Date. See “Description of the Series B Preferred Stock—Dividends.” Upon payment of any dividends                                                                                                      |

S-6

| on the Preferred Stock, holders of depositary shares are expected to receive a proportionate payment. See “Description of Depositary Shares—Dividends and Other Distributions.” |

| Dividends on the Preferred Stock will not be cumulative and will not be mandatory. If the Board (or a duly authorized committee thereof ) does not declare a dividend on the Preferred Stock in respect of a dividend                                     
 period