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

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 25
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, equal to (i) 7.750% from the original
issue date of the Preferred Stock to, but excluding, July 15, 2030 (the “First Reset Date”); and (ii) the five-year treasury

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rate as of the most recent reset dividend determination date (as defined below) plus 3.743% for each reset period from, and including, July 15, 2030. As used in this prospectus supplement:

| • |     | A “reset date” means the First Reset Date and each date falling on the fifth anniversary of the            
 preceding reset date. Reset dates, including the First Reset Date, will not be adjusted for business days. |

| • |     | A “reset period” means the period from and including the First Reset Date to, but excluding, the next                                
 following reset date and thereafter each period from and including each reset date to, but excluding, the next following reset date. |

| • |     | A “reset dividend determination date” means, in respect of any reset period, the day falling three 
 business days prior to the beginning of such reset period.                                         |

| • |     | A “business day” means any weekday that is not a legal holiday in New York, New York and is not a day                           
 on which banking institutions in New York, New York are authorized or obligated by law, regulation or executive order to close. |

| • |     | A “dividend period” means each period from and including a dividend payment date (except that the                                                                                                                
 initial dividend period shall commence on the original issue date of the Preferred Stock) and continuing to, but excluding, the next succeeding dividend payment date, or any date of redemption, as applicable. |

| • |     | “H.15 Daily Update” means the daily statistical release designated as such, or any successor 
 publication, published by the Federal Reserve.                                               |

| • |     | “Calculation agent” means, at any time, the person or entity appointed by us and serving as such agent                                                                                                                                              
 at such time, which may be a person or entity affiliated with us. We may terminate any such appointment and may appoint a successor agent at any time and from time to time. We will use our best efforts, however, to ensure that there is, at all 
 relevant times when Preferred Stock is outstanding, a person or entity appointed and serving as the calculation agent.                                                                                                                              |

If declared by the Board (or a