Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 84

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 84
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 exchangeable and the terms and conditions of conversion or exchange, including the conversion price or exchange ratio or the manner of determining it; |

| • |     | whether interests in the preferred stock will be represented by depositary shares as more fully described below 
 under “Description of Depositary Shares” in this prospectus;                                                    |

| • |     | a discussion of material U.S. federal income tax considerations; |

| • |     | the relative ranking and preferences of the preferred stock as to dividend and liquidation rights; |

| • |     | any limitations on issuance of any preferred stock ranking senior to, or on parity with, the series of preferred 
 stock being offered as to dividend and liquidation rights; and                                                   |

| • |     | any other specific preferences, conversion or other rights, voting powers, restrictions, limitations as to 
 dividends, qualifications and terms and conditions of redemption of the preferred stock.                   |

As described under “Description of Depositary Shares” in this prospectus, we may, at our option, elect to offer depositary shares evidenced by depositary receipts. If we elect to do this, each depositary receipt will represent a fractional interest in a share or multiple shares of the particular series of the preferred stock issued and deposited with a depositary. The applicable prospectus supplement will specify that fractional interest. 11

DESCRIPTION OF DEPOSITARY SHARES

The following description, together with the additional information we include in any applicable prospectus supplement, summarizes the general provisions of any deposit agreement and of the depositary shares and depositary receipts representing depositary shares that we may offer under this prospectus. Because it is a summary, it does not contain all of the information that may be important to you. For more information, you should read the form of deposit agreement and depositary receipts which we will file as exhibits to the registration statement of which this prospectus is part prior to an offering of depositary shares. While the terms we have summarized below will apply generally to any depositary shares we may offer, you should also read the applicable prospectus supplement which will describe the particular terms of any depositary shares that we may offer in more detail. See “Where You Can Find More Information” in this prospectus. This summary also is subject to and qualified by reference to the descriptions of the particular terms of the securities described in the applicable prospectus supplement and by the terms of the applicable final deposit agreement and depositary receipts.

General

We may, at our option, elect to offer depositary shares rather