Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 59

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 59
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 Non-ERISA Arrangement is in no respect a representation by the Transaction Parties or their representatives that such an investment meets all relevant legal requirements with respect to investments by any such Plans
or Non-ERISA Arrangements generally or any particular Plan or Non-ERISA Arrangement or that such investment is appropriate for such Plans or Non-ERISA Arrangements generally or any particular Plan or Non-ERISA Arrangement.

S-41

UNDERWRITING We are offering the depositary shares described in this prospectus supplement through a number of underwriters. We have entered into an underwriting agreement with the underwriters listed below for whom RBC Capital Markets, LLC and J.P. Morgan Securities LLC are acting as representatives (the “Representatives”). Subject to the terms and conditions of the underwriting agreement, we have agreed to sell to the underwriters, and each underwriter has severally agreed to purchase, at the public offering price less the underwriting discounts set forth on the cover page of this prospectus supplement, the number of depositary shares listed next to its name below:

| Underwriter                 |     | Number of  
 Depositary 
 Shares     |            |
| RBC Capital Markets, LLC    |     |            |  4,800,000 |
| J.P. Morgan Securities LLC  |     |            |  4,800,000 |
| Piper Sandler & Co.         |     |            |  1,200,000 |
| Wells Fargo Securities, LLC |     |            |  1,200,000 |
| Total                       |     |            | 12,000,000 |

The underwriters are committed to take and pay for all of the depositary shares being offered, if any are taken. The underwriting agreement also provides that if an underwriter defaults, the purchase commitments of non-defaultingunderwriters may also be increased or the offering may be terminated. The offering of the depositary shares by the underwriters is subject to receipt and acceptance and subject to the underwriters’ right to reject any order in whole or in part. The underwriters propose to offer the depositary shares directly to the public at the initial public offering price set forth on the cover page of this prospectus supplement and to certain dealers at that price less a concession not in excess of $0.20 per depositary share sold to institutional investors and $0.50 per depositary share sold to retail investors. Any such dealers may resell depositary shares to certain other