Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 23

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 23
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 reflecting any redemption of the Series A Preferred Stock or any repurchase, redemption or retirement of the 2030 Notes.

|                                 |     | As of March 31, 2025 |       |   |     |                 |       |   |
|:--------------------------------|:----|:---------------------|------:|:--|:----|:----------------|------:|:--|
|                                 |     | Actual               |       |   |     | As Adjusted for 
 this Offering   |       |   |
| Common equity tier 1 capital    |     |                      | 10.11 | % |     |                 | 10.11 | % |
| Tier 1 risk-based capital ratio |     |                      | 10.35 | % |     |                 | 10.97 | % |
| Total risk-based capital ratio  |     |                      | 12.54 | % |     |                 | 13.17 | % |
| Leverage ratio                  |     |                      |  8.47 | % |     |                 |  8.98 | % |

S-18

DESCRIPTION OF THE SERIES B PREFERRED STOCK

The following is a brief description of the material terms of the Preferred Stock. The following summary of the terms and provisions of the Preferred Stock does not purport to be complete in all respects, and is qualified in its entirety by reference to the pertinent sections of our restated articles of incorporation (our “Restated Articles of Incorporation”) (including the Certificate of Designation creating the Preferred Stock), our bylaws (our “Bylaws”), the General and Business Corporation Law of Missouri (the “Missouri Corporations Law”) and federal law governing bank holding companies and their subsidiaries.

General

The
7.750% Fixed Rate Reset Non-Cumulative Perpetual Preferred Stock, Series B is a single series of our authorized preferred stock. We are offering 12,000,000 depositary shares, representing 30,000 shares of the
Preferred Stock in the aggregate, by this prospectus supplement and the accompanying prospectus. Shares of the Preferred Stock, upon issuance against full payment of the purchase price for the depositary shares, will be fully paid and nonassessable.
The depositary will be the sole holder of shares of the Preferred Stock. The holders of depositary shares will be required to exercise their proportional rights in the Preferred Stock through the depositary, as described in “Description of
Depositary Shares.”

With respect