diff --git a/src/main/java/tools/jackson/databind/ser/BeanSerializerFactory.java b/src/main/java/tools/jackson/databind/ser/BeanSerializerFactory.java
index e08abd6913..b1b18a32dc 100644
--- a/src/main/java/tools/jackson/databind/ser/BeanSerializerFactory.java
+++ b/src/main/java/tools/jackson/databind/ser/BeanSerializerFactory.java
@@ -161,6 +161,9 @@ public ValueSerializer<Object> createSerializer(SerializationContext ctxt, JavaT
                 beanDescRef = ctxt.lazyIntrospectBeanDescription(type);
             }
         }
+        if (formatOverrides == null) {
+            formatOverrides = _calculateEffectiveFormat(ctxt, beanDescRef, type.getRawClass(), JsonFormat.Value.empty());
+        }
         // Slight detour: do we have a Converter to consider?
         Converter<Object,Object> conv = config.findSerializationConverter(beanDescRef.getClassInfo());
         if (conv != null) { // yup, need converter
diff --git a/src/test/java/tools/jackson/databind/ser/jdk/NumberSerTest.java b/src/test/java/tools/jackson/databind/ser/jdk/NumberSerTest.java
index 99c4715930..1d4169a1f7 100644
--- a/src/test/java/tools/jackson/databind/ser/jdk/NumberSerTest.java
+++ b/src/test/java/tools/jackson/databind/ser/jdk/NumberSerTest.java
@@ -17,6 +17,7 @@
 import tools.jackson.databind.SerializationContext;
 import tools.jackson.databind.ValueSerializer;
 import tools.jackson.databind.annotation.JsonSerialize;
+import tools.jackson.databind.json.JsonMapper;
 import tools.jackson.databind.module.SimpleModule;
 import tools.jackson.databind.testutil.DatabindTestUtil;
 
@@ -117,6 +118,12 @@ public void serialize(BigDecimal value, JsonGenerator gen, SerializationContext
         }
     }
 
+    static class MyBigDecimal extends BigDecimal {
+        public MyBigDecimal(String value) {
+            super(value);
+        }
+    }
+
     /*
     /**********************************************************
     /* Test methods
@@ -225,6 +232,24 @@ public void testCustomSerializationBigDecimalAsNumber() throws Exception {
         assertEquals(a2q("{'value':2.0}"), mapper.writeValueAsString(new BigDecimalHolder("2")));
     }
 
+    @Test
+    public void testConfigOverrideJdkNumber() throws Exception {
+        JsonMapper mapper = jsonMapperBuilder().withConfigOverride(BigDecimal.class,
+                c -> c.setFormat(JsonFormat.Value.forShape(JsonFormat.Shape.STRING)))
+                .build();
+        String value = mapper.writeValueAsString(new BigDecimal("123.456"));
+        assertEquals(a2q("'123.456'"), value);
+    }
+
+    @Test
+    public void testConfigOverrideNonJdkNumber() throws Exception {
+        JsonMapper mapper = jsonMapperBuilder().withConfigOverride(MyBigDecimal.class,
+                        c -> c.setFormat(JsonFormat.Value.forShape(JsonFormat.Shape.STRING)))
+                .build();
+        String value = mapper.writeValueAsString(new MyBigDecimal("123.456"));
+        assertEquals(a2q("'123.456'"), value);
+    }
+
     // default locale is en_US
     static DecimalFormat createDecimalFormatForDefaultLocale(final String pattern) {
         return new DecimalFormat(pattern, new DecimalFormatSymbols(Locale.ENGLISH));