Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 15

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 15
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 on the Preferred
Stock.

Additionally, unlike indebtedness, where principal and interest would customarily be payable on specified due dates, in the case
of the Preferred Stock (1) dividends are payable only if declared by the Board (or a duly authorized committee thereof) and (2) as a corporation, we are subject to restrictions on payments of dividends and redemption price out of lawfully
available funds.

S-11

Additional issuances of preferred stock or securities convertible into preferred stock may dilute existing holders of the depositary shares.

We may, in the future, determine that it is advisable, or we may encounter
circumstances where we determine it is necessary, to issue additional shares of preferred stock, securities convertible into, exchangeable for or that represent an interest in preferred stock, or preferred stock-equivalent securities to fund
strategic initiatives or other business needs or to build additional capital. The Board is authorized to cause us to issue one or more classes or series of preferred stock from time to time without any action on the part of the shareholders,
including issuing additional shares of Preferred Stock or additional depositary shares. The Board also has the power, without shareholder approval, to set the terms of any such classes or series of preferred stock that may be issued, including
voting rights, dividend rights, and preferences over the Preferred Stock with respect to dividends or upon our dissolution, winding-up and liquidation and other terms. Though the approval of holders of
depositary shares representing interests in the Preferred Stock will be needed to issue any equity security ranking senior to the Preferred Stock, if we issue preferred stock in the future that has preference over the Preferred Stock with respect to
the payment of dividends or upon liquidation, or if we issue preferred stock with voting rights that dilute the voting power of the Preferred Stock or depositary shares, the rights of holders of the depositary shares or the market price of the
depositary shares could be adversely affected. The market price of the depositary shares could decline as a result of these other offerings, as well as other sales of a large block of depositary shares, Preferred Stock or similar securities in the
market thereafter, or the perception that such sales could occur. Holders of the Preferred Stock are not entitled to preemptive rights or other protections against dilution.

The Preferred Stock may be junior in rights and preferences to our future preferred stock.

The Preferred Stock may rank junior to preferred stock issued in the future that by its terms is expressly senior in rights and preferences to
the