Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 31

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 31
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liquidation, dissolution or winding-up.

As used in this prospectus supplement, “dividend
parity stock” means the Series A Preferred Stock and any other class or series of our capital stock now or hereafter authorized, issued or outstanding that, by its terms, expressly provides that it ranks pari passuwith the Preferred
Stock as to the payment of dividends (regardless of whether such capital stock bears dividends on a non-cumulative or cumulative basis). As of the date of this prospectus supplement, dividend parity stock
includes only our Series A Preferred Stock, of which 11,500 shares are currently outstanding.

Restrictions on the Payment of Dividends

The payment of dividends on the Preferred Stock is subject to the priority provisions and other restrictions described
above in “—Dividends.” Our ability to pay dividends on the Preferred Stock is also dependent on our ability to receive dividends from our subsidiaries. See “Risk Factors—If the Company’s subsidiaries are unable to make
dividend payments or distributions to the Company, it may be unable to satisfy its obligations to counterparties or creditors or make dividend payments to its shareholders.”

Further, dividends on the Preferred Stock will not be declared, paid or set aside for payment if we fail to comply, or if and to the extent
such act would cause us to fail to comply, with applicable laws and regulations, including any capital adequacy guidelines or regulations of the Federal Reserve (or, as and if applicable, the capital adequacy guidelines or regulations of any
successor appropriate federal banking agency (as defined in Section 3(q) of the Federal Deposit Insurance Act)). The Certificate of Designation creating the Preferred Stock explicitly provides that dividends on the Preferred Stock may not be
declared or set aside for payment if and to the extent such dividends would cause us to fail to comply with the applicable capital adequacy guidelines.

Redemption

Mandatory Redemption

The Preferred Stock is perpetual and has no maturity date. The Preferred Stock is not subject to any mandatory redemption, sinking
fund or other similar provisions.

Neither the holders of Preferred Stock nor holders of depositary shares will have the right to require
the redemption or repurchase of the Preferred Stock.

Optional Redemption

We may redeem the Preferred Stock at our option, through a resolution duly adopted by the Board (or a duly authorized committee thereof), on
any dividend payment date on or after July 15, 2030 at a price equal to $10,000 per share (equivalent to $25 per depositary share