Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 82

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 82
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 of our subsidiaries to pay dividends or otherwise make distributions to us.

Subject to
the prior rights of any preferred shareholders, common shareholders have all voting rights on matters that are required or decided to be submitted to them under applicable law or our governing documents. Except in the election of directors, each
common shareholder has one vote for each share of stock in that person’s name on our books as of the record date, unless otherwise provided by applicable law. In the election of directors, except as otherwise provided by applicable law, each
common shareholder has the right to cast a total number of votes equal to the holder’s number of shares as of the record date multiplied by the number of directors to be elected, and the votes may be cast for one director candidate or
distributed among two or more director candidates. Every decision (including the election of directors) of a majority of the shares of common stock cast at a meeting at which a quorum is present is valid as an act of the shareholders, unless a
larger vote is required by applicable law or our governing documents. In the event of a “contested election,” if the number of nominees exceeds the number of directors to be elected, the nominees receiving a plurality of the votes cast by
the shares represented in person or by proxy at the meeting which a quorum is present shall be elected.

In the event of any dissolution
or liquidation or winding up of the Company, common shareholders are entitled to receive our net assets that remain after we have paid or provided for all of our liabilities and all of the preferential amounts to which any preferred shareholders are
entitled.

Unless otherwise indicated in the applicable prospectus supplement, all shares of common stock to be issued from time to time
under this prospectus will be fully paid and nonassessable. The holders of our common stock do not have any preemptive or preferential rights to subscribe for or purchase any part of any new or additional issue of stock or securities convertible
into stock. Our common stock does not contain any redemption provisions or conversion rights.

Computershare Trust Company, N.A. currently
acts as transfer agent and registrar for our common stock.

The common stock of UMB Financial Corporation is listed on NASDAQ under the
symbol “UMBF.”

Preferred Stock

Under our Restated Articles of Incorporation, our Board is authorized, subject to limitations under applicable law, to provide for the issuance
of shares of preferred stock in series, and in compliance with the

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applicable law of Missouri, to establish