Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 12

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 12
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 distribution, which currently includes our Series A Preferred Stock.                                                                                                                                |

| Voting Rights | None, except with respect to (i) authorizing or increasing the authorized amount of any class or series of our capital stock ranking senior to the Preferred Stock with respect to the payment of dividends or distributions upon our 
 liquidation, dissolution or winding-up, (ii) certain changes in the terms of our Preferred Stock, (iii) the consummation of certain mergers, consolidations or other similar transactions, (iv) in                                    
 the case of certain dividend non-payments, and (v) as otherwise required by law.                                                                                                                                                      |

| See “Description of the Series B Preferred Stock—Voting Rights.” Holders of depositary shares must act through the depositary to exercise any voting rights, as described under “Description of 
 Depositary Shares—Voting the Preferred Stock.”                                                                                                                                                  |

| Ranking | Shares of the Preferred Stock will rank, with respect to the payment of dividends and distribution upon our liquidation, dissolution or winding-up, respectively: |

| • |     | senior to our common stock and to each other class or series of our capital stock issued in the future, unless                                              
 the terms of that stock expressly provide that it ranks senior to, or on parity with, the Preferred Stock with respect to such dividends and distributions; |

| • |     | on a parity with our Series A Preferred Stock and any class or series of our capital stock issued in the future,                                  
 the terms of which expressly provide that it will rank on a parity with our Preferred Stock with respect to such dividends and distributions; and |

| • |     | junior to any class or series of our capital stock issued in the future, the terms of which expressly provide 
 that such stock will rank senior to the Preferred Stock with respect to such dividends and distributions.     |

| No Maturity | The Preferred Stock does not have any maturity date, and we are not required to redeem the Preferred Stock at any time. Accordingly, the Preferred Stock will remain outstanding indefinitely, unless and until we decide to redeem it and, if 
 required, receive prior approval of the Federal Reserve to do so.                                                                                                                                                                              |

| Preemptive and Conversion Rights | None. |

| Listing | Application has been made to list the depositary shares on the NASDAQ under the symbol “UMBFO.” If approved for listing, trading of the depositary shares on the NASDAQ is expected to commence within a 
 30-day period after the original issuance date of