Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 26

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 26
---
 duly authorized committee thereof), we will pay dividends on the Preferred Stock quarterly in arrears on January 15, April 15, July 15 and October 15 of each year, beginning on October 15, 2025, each such date referred to as a dividend payment date. If any dividend payment date falls on a day other than a business day, then such date shall nevertheless be a dividend payment date but any dividend declared and otherwise payable on that dividend payment date will instead be paid on the next business day without any adjustment to the amount of dividends paid. A dividend period for the Preferred Stock is the period from and including a dividend payment date to but excluding the next dividend payment date, or any date of redemption, as applicable, except that the initial dividend period of the Preferred Stock issued as part of this offering will commence on and include the date we first issue shares of Preferred Stock. Dividends payable on the Preferred Stock will be calculated on the basis of a 360-dayyear consisting of twelve 30-daymonths. Dollar amounts resulting from that calculation will be rounded to the nearest cent, with one-halfcent being rounded upward. We will not pay interest or any sum of money instead of interest on any dividend payment that may be in arrears on the Preferred Stock. The calculation agent’s determination of any dividend rate, and its calculation of the amount of dividends for any dividend period, will be maintained on file at our principal offices, will be made available to any shareholder upon request and will be final and binding in the absence of manifest error. 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, then no dividend shall be deemed to have accrued for such dividend period, no dividend shall be payable on the applicable dividend payment date, and we will have no obligation to pay any dividend for that dividend period, whether or not the Board (or a duly authorized committee thereof) declares a dividend for any future dividend period with respect to the Preferred Stock or at any future time with respect to any other class or series of our capital stock. S-20

Dividends will be payable to holders of record of Preferred Stock as they appear on our
stock register on the applicable record date, which shall be the 15th calendar day before the applicable dividend payment date, or such other record date, not more than 60 calendar days nor less than ten calendar days before