Company: UMBFO
Filing Date: 2025-04-11
Form Type: S-3ASR
Source: 0001193125-25-079117
Chunk: 12

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 12
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 are
entitled.

Unless otherwise indicated in the applicable prospectus supplement, all shares of common stock to be issued from time to time
under this prospectus will be fully paid and nonassessable. The holders of our common stock do not have any preemptive or preferential rights to subscribe for or purchase any part of any new or additional issue of stock or securities convertible
into stock. Our common stock does not contain any redemption provisions or conversion rights.

Computershare Trust Company, N.A. currently
acts as transfer agent and registrar for our common stock.

The common stock of UMB Financial Corporation is listed on NASDAQ under the
symbol “UMBF.”

Preferred Stock

Under our Restated Articles of Incorporation, our Board is authorized, subject to limitations under applicable law, to provide for the issuance
of shares of preferred stock in series, and in compliance with the

9

applicable law of Missouri, to establish from time to time the number of shares to be included in each such series, and to fix the designations, powers, preferences and rights of the shares of each such series and the qualifications, limitations or restrictions thereof. The authority of our Board with respect to each series includes, but is not limited to, determination of the following:

| • |     | The number of shares to constitute such series (which number may at any time, or from time to time, be increased                                                                                                                                   
 or decreased by the Board, notwithstanding that shares of the series may be outstanding at the time of such increase or decrease, unless the Board shall have otherwise provided in creating such series) and the distinctive designation thereof; |

| • |     | The dividend rate on the shares of such series, whether or not dividends on the shares of such series will be 
 cumulative, and the date or dates, if any, from which dividends thereon will be cumulative;                   |

| • |     | Whether or not the shares of such series will be redeemable, and, if redeemable, the date or dates upon or after                                                                                                                                          
 which they will be redeemable, the amount per share payable thereon in the case of the redemption (which amount will be, in the case of each share, not less than its preference upon involuntary liquidation, plus an amount equal to all dividends      
 thereon accrued and unpaid, whether or not earned or declared and which amount may vary at different redemption dates or otherwise as permitted by law) and whether such series may be redeemed for cash, property or rights, including our securities or