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

Company: UMB FINANCIAL CORP
Filing Date: 2025-04-11
Form: S-3ASR
Chunk 11
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 terms of the securities described in the applicable prospectus supplement.

Our Restated Articles of Incorporation authorize us to issue up to 160,000,000 shares of common stock, par value $1.00
per share, and 1,000,000 shares of preferred stock, par value $0.01 per share. On April 10, 2025, approximately 75,918,240 shares of common stock were outstanding and 11,500 shares of 7.00% Fixed-Rate Reset Non-Cumulative Perpetual Preferred Stock, Series A (the “Series A Preferred Stock”) were outstanding.

Common Stock

The holders of our common
stock are entitled to receive such dividends as our Board of Directors (“Board”) may from time to time declare out of assets legally available for that purpose, subject to any rights of the holders of our preferred stock. Our ability to
pay dividends depends primarily upon the ability of our subsidiaries to pay dividends or otherwise make distributions to us.

Subject to
the prior rights of any preferred shareholders, common shareholders have all voting rights on matters that are required or decided to be submitted to them under applicable law or our governing documents. Except in the election of directors, each
common shareholder has one vote for each share of stock in that person’s name on our books as of the record date, unless otherwise provided by applicable law. In the election of directors, except as otherwise provided by applicable law, each
common shareholder has the right to cast a total number of votes equal to the holder’s number of shares as of the record date multiplied by the number of directors to be elected, and the votes may be cast for one director candidate or
distributed among two or more director candidates. Every decision (including the election of directors) of a majority of the shares of common stock cast at a meeting at which a quorum is present is valid as an act of the shareholders, unless a
larger vote is required by applicable law or our governing documents. In the event of a “contested election,” if the number of nominees exceeds the number of directors to be elected, the nominees receiving a plurality of the votes cast by
the shares represented in person or by proxy at the meeting which a quorum is present shall be elected.

In the event of any dissolution
or liquidation or winding up of the Company, common shareholders are entitled to receive our net assets that remain after we have paid or provided for all of our liabilities and all of the preferential amounts to which any preferred shareholders