Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 61

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 61
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 short position and stabilizing transactions, as well as other purchases by the underwriters for their own accounts, may have the effect of preventing or lessening a decline in the market price of the depositary shares, and together with the imposition of the penalty bid, may stabilize, maintain or otherwise affect the market price of the depositary shares. As a result, the price of the depositary shares may be higher than the price that otherwise might exist in the open market. The underwriters are not required to engage in these activities, and any such activity may begin on or after the date on which adequate public disclosure of the terms of the offer of the depositary shares is made. If these activities are commenced, they may be discontinued at any time, but, in the case of any depositary shares traded in the European Economic Area (“EEA”) or the United Kingdom, such activities must end no later than the earlier of 30 calendar days after the issue date of the depositary shares and 60 days after the date of the allotment of the depositary shares. Any such activities must be conducted by the underwriters (or persons acting on behalf of the underwriters) in accordance with the applicable laws and rules. These transactions may be effected on the NYSE, in the over-the-countermarket or otherwise. Until the closing of this offering, we have agreed with the underwriters not to, without the prior written consent of the Representatives, (i) directly or indirectly, offer, pledge, sell, contract to sell, sell any option or contract to purchase, purchase any option or contract to sell, grant any option, right or warrant to purchase or otherwise transfer or dispose of the depositary shares or the underlying Preferred Stock (together, the “Securities”) or any securities that are substantially similar to the Securities or file any registration statement under the Securities Act of 1933, as amended (the “Securities Act”) with respect to any of the foregoing or (ii) enter into any swap or any other agreement or any transaction that transfers, in whole or in part, directly or indirectly, the economic consequence of ownership of the Securities, whether any such swap or transaction S-43

described in clause (i) or (ii) above is to be settled by delivery of any Securities or such other securities, in cash or otherwise. The foregoing sentence shall not apply to the Securities
to be sold hereunder.

We estimate that our share of the total expenses of the offering, excluding the underwriting discounts, will be