Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 92

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 92
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 preferred stock or depositary share, as applicable, may be fixed at the time the stock purchase contracts are issued or may be determined by reference to a specific formula contained in the stock purchase contracts. We may issue stock purchase contracts in such amounts and in as many distinct series as we wish. The stock purchase contracts may be issued separately or as part of units, which we refer to in this prospectus as stock purchase units. Units may consist of a stock purchase contract and beneficial interests in other securities described in this prospectus or of third parties, securing the holders’ obligations to purchase from or sell shares to us under the stock purchase contracts. These other securities may consist of common stock, preferred stock, depositary shares, debt securities, or junior subordinated debt securities of the Company, or trust preferred securities or debt obligations of third parties, including U.S. Treasury securities. The stock purchase contracts may require us to make periodic payments to the holders of the stock purchase contracts or require holders of stock purchase contracts to make periodic payments to us, and these payments may be unsecured or prefunded on some basis. The stock purchase contracts may require holders to secure their obligations under those contracts in a specified manner. Any stock purchase contract may include anti-dilution provisions to adjust the number of shares issuable pursuant to such stock purchase contract upon the occurrence of certain events. The applicable prospectus supplement may contain, where applicable, the following information about the stock purchase contracts issued under it:

| • |     | whether the stock purchase contracts obligate the holder to purchase or sell, or both purchase and sell, our                                                          
 common stock, preferred stock or depositary shares, as applicable, and the nature and amount of each of those securities, or the method of determining those amounts; |

| • |     | whether the stock purchase contracts are to be prepaid; |

| • |     | whether the stock purchase contracts are to be settled by delivery, or by reference or linkage to the value, 
 performance or level of our common stock, preferred stock or depositary shares;                              |

| • |     | any acceleration, cancellation, termination or other provisions relating to the settlement of the stock purchase 
 contracts;                                                                                                       |

| • |     | whether the stock purchase contracts will be issued in fully registered or global form; and |

| • |     | any other terms of the stock purchase contracts. |

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Description of Stock Purchase Units We may, from time to time, issue stock purchase units comprised of one or more of the other securities described in