Company: UMBFO
Filing Date: 2025-05-30
Form Type: 424B4
Source: 0001193125-25-132102
Chunk: 42

Company: UMB FINANCIAL CORP
Filing Date: 2025-05-30
Form: 424B4
Chunk 42
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 in the manner described in the section entitled “Where You Can Find More Information”
beginning on page S-50 of this prospectus supplement.

Dividends and Other Distributions

Each dividend payable on a depositary share will be in an amount equal to 1/400th of the dividend declared and payable on the related share of
the Preferred Stock.

The depositary will distribute any cash dividends or other cash distributions received in respect of the deposited
Preferred Stock to the record holders of depositary shares relating to the underlying Preferred Stock in proportion to the number of depositary shares held by the holders. If UMB makes a distribution other than in cash, the depositary will
distribute any property received by it to the record holders of depositary shares relating to the underlying Preferred Stock in proportion to the number of depositary shares held by the holders, unless it determines that the distribution cannot be
made proportionally among those holders or that it is not feasible to make a distribution. In that event, the depositary may, with our approval, sell the property and distribute the net proceeds from the sale to the holders of the depositary shares.

Record dates for the payment of dividends and other matters relating to the depositary shares will be the same as the corresponding
record dates for the Preferred Stock.

The amounts distributed to holders of depositary shares will be reduced by any amounts required to
be withheld by the depositary or by us on account of taxes or other governmental charges. The depositary may refuse to make any payment or distribution, or any transfer, exchange or withdrawal of any depositary shares or the shares of the Preferred
Stock until such taxes or other governmental charges are paid.

S-30

Redemption of Depositary Shares

If we redeem the Preferred Stock represented by the depositary shares, the depositary shares will be redeemed from the proceeds received by the
depositary resulting from the redemption of the Preferred Stock held by the depositary. The redemption price per depositary share is expected to be equal to 1/400th of the redemption price per share payable with respect to the Preferred Stock (or
$25 per depositary share), plus any declared and unpaid dividends.

Whenever we redeem shares of Preferred Stock held by the depositary,
the depositary will redeem, as of the same redemption date, the number of depositary shares representing shares of Preferred Stock so redeemed. If fewer than all of the outstanding depositary shares are redeemed, the depositary will select the
depositary shares to be redeemed pro rata