Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 19

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 19
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 any other series of our preferred stock ranking equal with the Preferred Stock with similar voting rights (such as our Series A Preferred Stock), will be generally entitled to vote for
the election of two additional directors. See “Description of the Series B Preferred Stock—Voting Rights.”

Holders of the
depositary shares must act through the depositary to exercise any voting rights of the Preferred Stock. Although each depositary share is entitled to 1/400th of a vote, the depositary can only vote whole shares of Preferred Stock. While the
depositary will vote the maximum number of whole shares of Preferred Stock in accordance with the instructions it receives, any remaining votes of holders of the depositary shares will not be voted. See “Description of Depositary
Shares—Voting the Preferred Stock.”

We cannot assure you that a liquid trading market for our depositary shares will develop, and you may find it difficult to sell any of the depositary shares you hold.

We have applied to list the depositary
shares on the NASDAQ under the symbol “UMBFO.” However, there is no guarantee that we will be able to list the depositary shares. If approved, we expect trading of the depositary shares on the NASDAQ to begin within the 30-day period after the original issuance date of the depositary shares. Even if the depositary shares are listed, there may be little or no secondary market for the depositary shares. The underwriters have advised
us that they intend to make a market in the depositary shares. However, they are not obligated to do so and may discontinue any market making in the depositary shares at any time in their sole discretion. Even if a secondary market for the
depositary shares develops, it may not provide significant liquidity, and transaction costs in any secondary market could be high. As a result, the difference between bid and asked prices in any secondary market could be substantial. We cannot
assure you that you will be able to sell any depositary shares you may hold at a particular time or at a price that you find favorable.

The dividend rate will vary commencing on July 15, 2030 and any dividends declared may be less than the initial fixed annual rate of 7.750% in effect until July 15, 2030.

As described in further detail under “Description of Series B Preferred
Stock—Dividends,” the annual dividend rate on the Series B Preferred Stock commencing on July 15, 2030 will equal the five