Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 22

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 22
---
           |   110.7 |   |
| Series B Preferred Stock(6)               |     |                |       — |   |     |             |   294.5 |   |
| Common stock                              |     |                |    78.7 |   |     |             |    78.7 |   |
| Capital surplus                           |     |                | 3,993.7 |   |     |             | 3,993.7 |   |
| Retained earnings                         |     |                | 3,224.9 |   |     |             | 3,224.9 |   |
| Accumulated other comprehensive loss, net |     |                |  (492.7 | ) |     |             |  (492.7 | ) |
| Treasury stock, at cost                   |     |                |  (166.8 | ) |     |             |  (166.8 | ) |
| Total shareholders’ equity                |     | $              | 6,748.4 |   |     |             | 7,043.0 |   |
| Total capitalization                      |     | $              | 7,402.8 |   |     | $           | 7,697.3 |   |

| (1) | As adjusted cash and due from banks reflects the net proceeds from this offering. |

| (2) | Represents the principal amount outstanding, net of issuance costs. |

| (3) | Represents the principal amount outstanding, net of purchase accounting fair value adjustments. The principal 
 amount of the 2.75% subordinated notes is $150 million.                                                       |

| (4) | Represents the principal amount outstanding, net of purchase accounting fair value adjustments. The principal 
 amount of the trust preferred securities is $262.9 million.                                                   |

| (5) | Represents the principal amount outstanding, net of purchase accounting fair value adjustments. The principal 
 amount and the liquidation preference of the Series A Preferred Stock is $115 million.                        |

| (6) | As adjusted Series B Preferred Stock represents the aggregate principal amount of the Series B Preferred Stock, 
 net of the underwriting discount and estimated offering expenses.                                               |

S-17

CAPITAL RATIOS The following table sets forth our capital ratios as of March 31, 2025 (i) on an actual basis and (ii) on an as adjusted basis to give effect to the issuance of the Preferred Stock and without