Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 10

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 10
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, then no dividend shall be deemed to have accrued for such dividend period, no dividend shall be payable on the applicable dividend payment date, and we will have no obligation to pay any dividend for that dividend period, whether or not the  
 Board (or a duly authorized committee thereof) declares a dividend for any future dividend period with respect to the Preferred Stock or at any future time with respect to any other class or series of our capital stock. A “dividend period”           
 is the period from, and including, a dividend payment date to, but excluding, the next dividend payment date, except that the initial dividend period for shares of Preferred Stock issued in connection with this offering will begin on and include the 
 date we first issue such shares of Preferred Stock.                                                                                                                                                                                                       |

| Our ability to pay dividends on the Preferred Stock is subject to certain legal, regulatory and other restrictions described under “Description of the Series B Preferred Stock—Dividends—Restrictions on 
 the Payment of Dividends,” including the receipt of any prior approval by the Federal Reserve.                                                                                                            |

| Priority Regarding Dividends | So long as any shares of Preferred Stock remain outstanding, unless full dividends for the most recently completed dividend period have been declared and paid (or declared and a sum sufficient for the payment thereof has been set aside) on all 
 outstanding shares of Preferred Stock, and we are not in default on our obligation to redeem any shares of Preferred Stock that have been called for redemption, we may not, subject to certain exceptions:                                         |

| • |     | declare, pay or set aside for payment any dividend or distribution on any shares of junior stock (as defined 
 herein); or                                                                                                  |

| • |     | repurchase, redeem or otherwise acquire for consideration, directly or indirectly, any shares of junior stock or 
 dividend parity stock (as defined herein).                                                                       |

S-7

| When dividends are not paid in full upon the Preferred Stock and any dividend parity stock (which currently includes our 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred                                                       
 Stock, Series A (the “Series A Preferred Stock”)), all dividends paid or declared for payment on a dividend payment date with respect to the Preferred Stock and any dividend parity stock will be shared based on the ratio between the 
 then-current dividends due on shares of Preferred Stock and (i) in the case of any series of non-cumulative dividend parity stock, the aggregate of the current and unpaid dividends due on such series of                               
 preferred stock