Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 22

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 22
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 common stock, preferred stock or depositary shares, as applicable, and the nature and amount of each of those securities, or the method of determining those amounts; |

| • |     | whether the stock purchase contracts are to be prepaid; |

| • |     | whether the stock purchase contracts are to be settled by delivery, or by reference or linkage to the value, 
 performance or level of our common stock, preferred stock or depositary shares;                              |

| • |     | any acceleration, cancellation, termination or other provisions relating to the settlement of the stock purchase 
 contracts;                                                                                                       |

| • |     | whether the stock purchase contracts will be issued in fully registered or global form; and |

| • |     | any other terms of the stock purchase contracts. |

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Description of Stock Purchase Units We may, from time to time, issue stock purchase units comprised of one or more of the other securities described in this prospectus in any combination. Stock purchase units may also include debt obligations of third parties, such as U.S. Treasury securities. Each stock purchase unit will be issued so that the holder of the unit is also the holder of each security included in the unit. Thus, the holder of a stock purchase unit will have the rights and obligations of a holder of each included security. The unit agreement under which a stock purchase unit is issued may provide that the securities included in the unit may not be held or transferred separately, at any time or at any time before a specified date. The applicable prospectus supplement may describe:

| • |     | the designation and terms of the stock purchase units and of the securities comprising the units, including 
 whether and under what circumstances those securities may be held or transferred separately;                |

| • |     | any provisions for the issuance, payment, settlement, transfer or exchange of the units or of the securities 
 comprising the units; and                                                                                    |

| • |     | whether the units will be issued in fully registered or global form. |

The applicable prospectus supplement will describe the terms of any stock purchase units. The preceding description and any description of units in the applicable prospectus supplement does not purport to be complete and is subject to and is qualified in its entirety by reference to the relevant unit agreement and, if applicable, collateral arrangements and depositary arrangements relating to such units that we will file with the SEC in connection with the offering of stock purchase units. 19

DESCRIPTION OF DEBT SECURITIES

The following description, together with the additional information we