Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 24

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 24
---
 to the payment of dividends and distributions upon liquidation, dissolution or winding-up of our business and affairs, the Preferred Stock will rank (i) senior to our common stock and each other series of preferred stock we may issue (unless expressly provided otherwise in the Certificate
of Designation creating such preferred stock), (ii) pari passu with the Series A Preferred Stock and each other series of our preferred stock which expressly provides in the Certificate of Designation creating such preferred stock that it
will rank pari passu with the Preferred Stock and (iii) junior to all existing and future indebtedness and other non-equity claims on us and to each other series of our preferred stock which
expressly provides in the Certificate of Designation creating such preferred stock that it will rank senior to the Preferred Stock. As of the date of this prospectus supplement, our Series A Preferred Stock is the only series of our preferred stock
outstanding.

The Preferred Stock will not be convertible into, or exchangeable for, shares of any other class or series of our capital
stock or other securities. The Preferred Stock is perpetual and has no maturity date.

We reserve the right to re-open this series and issue additional shares of the Preferred Stock either through public or private sales at any time and from time to time, without notice to or consent of holders of the Preferred Stock;
provided, that any such additional shares of Preferred Stock are treated as fungible with the Preferred Stock offered hereby for U.S. federal income tax purposes. In the event we issue additional shares of Preferred Stock, we expect to cause a
corresponding number of additional depositary shares to be issued. The additional shares of Preferred Stock would form a single series with the Preferred Stock offered by this prospectus supplement. In addition, we may from time to time, without
notice to or consent of holders of the Preferred Stock, issue additional shares of preferred stock that rank equally with or junior to the Preferred Stock with respect to the payment of dividends (whether such dividends are cumulative or non-cumulative) and distributions upon our liquidation, dissolution or winding-up.

Dividends

Holders of Preferred Stock
will be entitled to receive, when, as and if declared by the Board (or a duly authorized committee thereof), out of assets legally available for the payment of dividends under the Missouri Corporations Law,
non-cumulative cash dividends on the $10,000 per share liquidation amount of the Preferred Stock (equivalent to $25 per depositary share) at a rate, per annum