Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 21

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 21
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’s own future growth, or regulatory or supervisory requirements. If any subsidiary were unable to remain viable as a going concern, moreover, the Company’s right to participate in a distribution of assets would be subject to the prior claims of the subsidiary’s creditors (including, in the case of UMB Bank, its depositors and the FDIC). General market conditions and unpredictable factors could adversely affect market prices for the depositary shares. Future trading prices of the depositary shares will depend on many factors, including:

| • |     | whether we declare or fail to declare dividends on the Preferred Stock from time to time; |

| • |     | our operating performance, financial condition and prospects, or the operating performance, financial condition 
 and prospects of our competitors;                                                                               |

| • |     | our creditworthiness; |

| • |     | the ratings given to our securities by credit-rating agencies, including the ratings given to the Preferred Stock 
 or depositary shares;                                                                                             |

| • |     | prevailing interest rates; |

| • |     | economic, financial, geopolitical, regulatory or judicial events affecting UMB or the financial markets 
 generally; and                                                                                          |

| • |     | the market for similar securities. |

Accordingly, the depositary shares may trade at a discount to the price per share paid for such shares if a secondary market for the depositary shares develops. We or one of our affiliates may be the calculation agent and, as a result, potential conflicts of interest could arise. We have not yet appointed a calculation agent. When we do, we can appoint us or one of our affiliates to be the calculation agent for purposes of determining, among other things, the five-year treasury rate for each reset period. Although the calculation agent will exercise its judgment in good faith when performing its functions, if the calculation is us or one of our affiliates, potential conflicts of interest may exist between the calculation agent and you. S-15

USE OF PROCEEDS

We expect to receive net proceeds from this offering, after deducting underwriting discounts and estimated offering expenses payable by us, of
approximately $294,529,000. We expect to use the net proceeds from the sale of the depositary shares for general corporate purposes, which may include the redemption of all outstanding shares of the Series A Preferred Stock and the repurchase,
redemption, or retirement of a portion of the 2030 Notes.

S-16

CAPITALIZATION The following table sets forth the consolidated capitalization of UMB as of