Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 51

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 51
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 “straddle,” wash sale, conversion transaction, 
 integrated transaction or constructive sale transaction;                                        |

| • |     | U.S. Holders (as defined below) whose functional currency is not the U.S. dollar; |

| • |     | entities classified as partnerships or other pass-through entities for U.S. federal income tax purposes; |

| • |     | tax-exempt entities, including “individual retirement accounts”             
 or “Roth IRAs” as defined in Section 408 or 408A of the Code, respectively; |

| • |     | regulated investment companies; or |

| • |     | real estate investment trusts. |

If an entity that is classified as a partnership for U.S. federal income tax purposes holds the depositary shares, the U.S. federal income tax treatment of a partner will generally depend on the status of the partner and the activities of the partnership. If you are a partnership holding the depositary shares or a partner in such a partnership, you should consult your tax adviser as to the particular U.S. federal tax consequences of holding and disposing of the depositary shares to you. The U.S. House of Representatives recently passed a tax bill that, if enacted into law in its current form, would add new Section 899 to the Code. Proposed Section 899 could significantly increase the aggregate tax liability of certain non-U.S. investors with respect to their investment in depositary shares. Non-U.S. investors are urged to consult their tax advisors regarding the potential application of proposed Section 899 with respect to their investment in depositary shares. The remainder of this discussion is based on the Code, administrative pronouncements, judicial decisions and final, temporary and proposed Treasury regulations, all as of the date hereof. These laws are subject to change, possibly on a retroactive basis. Persons considering the purchase of depositary shares should consult their own tax advisers concerning the U.S. federal, state, local and non-U.S.tax consequences of owning and disposing of depositary shares in their particular circumstances. Tax Consequences to U.S. Holders As used herein, the term “U.S. Holder” means a beneficial owner of depositary shares that is, for U.S. federal tax purposes:

| • |     | a citizen or individual resident of the United States; |

S-36

| • |     | a corporation, or other entity taxable as a corporation, created or organized in or under the laws of the United 
 States, any state thereof or the District of Columbia;