Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 11

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 11
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 and (ii) in the case of any series of cumulative dividend parity stock, the aggregate of the current and accumulated and unpaid dividends due on such series of preferred stock.                                         |

| See “Description of the Series B Preferred Stock—Dividends—Priority Regarding Dividends” for more information. |

| Redemption | The Preferred Stock is perpetual and has no maturity date. We may redeem the Preferred Stock, at our option, at a price equal to $10,000 per share (equivalent to $25 per depositary share), plus any declared and unpaid dividends (without 
 accumulation for any undeclared dividends) to but excluding the redemption date, (i) in whole or in part, from time to time, on any dividend payment date on or after July 15, 2030 or (ii) in whole but not in part, at any                 
 time following a regulatory capital treatment event. If we redeem the Preferred Stock, the depositary is expected to redeem a proportionate number of depositary shares. See “Description of the Series B Preferred Stock—Redemption” and    
 “Description of Depositary Shares—Redemption” for more information.                                                                                                                                                                          |

| Our ability to redeem part or all of the Preferred Stock is subject to certain legal, regulatory and other restrictions described under “Description of the Series B Preferred Stock—Redemption— Redemption 
 Procedures and Limitations.”                                                                                                                                                                                |

| 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. |

| Liquidation Rights | In the event we liquidate, dissolve or wind-up our business and affairs, either voluntarily or involuntarily,                                                                                                                                       
 holders of the Preferred Stock are entitled to receive a liquidating distribution of $10,000 per share (equivalent to $25 per depositary share), plus any declared and unpaid dividends (without regard to any undeclared dividends) to the date of 
 payment of the liquidating distribution, before we make any distribution of assets to the holders of our common stock or any other class or series of shares ranking junior to the Preferred Stock with respect to liquidating distributions.       
 Distributions will be made only to the extent of our assets that are available after satisfaction of all liabilities or obligations to creditors and subject to the rights of                                                                       |

S-8

| holders of any securities ranking senior to the Preferred Stock as to such distribution and pro rata as to the Preferred Stock and any other shares of our capital stock ranking equally as to such