content: <?xml version="1.0" encoding="UTF-8"?><edgarSubmission xmlns="http://www.sec.gov/edgar/ownership" xmlns:com="http://www.sec.gov/edgar/common">
    <headerData>
      <submissionType>144</submissionType>
      <filerInfo>
        <filer>
          <filerCredentials>
            <cik>0001739115</cik>
            <ccc>XXXXXXXX</ccc>
          </filerCredentials>
        </filer>
        <liveTestFlag>LIVE</liveTestFlag>
  
  
  
      </filerInfo>
    </headerData>
    <formData>
      <issuerInfo>
        <issuerCik>0000101382</issuerCik>
        <issuerName>UMB FINANCIAL CORP</issuerName>
        <secFileNumber>001-38481</secFileNumber>
        <issuerAddress>
          <com:street1>1010 GRAND AVE</com:street1>
          <com:city>KANSAS CITY</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </issuerAddress>
        <issuerContactPhone>8168607000</issuerContactPhone>
        <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Cornelius James</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
        <relationshipsToIssuer>
          <relationshipToIssuer>former officer</relationshipToIssuer>
        </relationshipsToIssuer>
      </issuerInfo>
      <securitiesInformation>
        <securitiesClassTitle>common</securitiesClassTitle>
        <brokerOrMarketmakerDetails>
          <name>Merrill</name>
          <address>
            <com:street1>8890 Lyra Dr 5th Flr</com:street1>
            <com:city>Columbus</com:city>
            <com:stateOrCountry>OH</com:stateOrCountry>
            <com:zipCode>43240</com:zipCode>
          </address>
        </brokerOrMarketmakerDetails>
        <noOfUnitsSold>1233</noOfUnitsSold>
        <aggregateMarketValue>78000.00</aggregateMarketValue>
        <noOfUnitsOutstanding>48508939</noOfUnitsOutstanding>
        <approxSaleDate>06/05/2023</approxSaleDate>
        <securitiesExchangeName>NASDAQ</securitiesExchangeName>
      </securitiesInformation>
      <securitiesToBeSold>
        <securitiesClassTitle>common</securitiesClassTitle>
        <acquiredDate>01/23/2023</acquiredDate>
        <natureOfAcquisitionTransaction>Restricted stock vest</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>1233</amountOfSecuritiesAcquired>
        <paymentDate>01/23/2023</paymentDate>
        <natureOfPayment>na</natureOfPayment>
      </securitiesToBeSold>
      <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
      <securitiesSoldInPast3Months>
        <sellerDetails>
          <name>James Cornelius</name>
          <address>
            <com:street1>1010 GRAND AVE</com:street1>
            <com:city>KANSAS CITY</com:city>
            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>common</securitiesClassTitle>
        <saleDate>06/02/2023</saleDate>
        <amountOfSecuritiesSold>2000</amountOfSecuritiesSold>
        <grossProceeds>124000.00</grossProceeds>
      </securitiesSoldInPast3Months>
      <noticeSignature>
        <noticeDate>06/05/2023</noticeDate>
        <signature>James Cornelius</signature>
      </noticeSignature>
    </formData>
  </edgarSubmission>
metadata_documents: [{"type": "144", "sequence": "1", "filename": "primary_doc.xml", "secsgml_size_bytes": 3274}]
text: 144
  0001739115
  XXXXXXXX
  LIVE
  0000101382
  UMB FINANCIAL CORP
  001-38481
  1010 GRAND AVE
  KANSAS CITY
  MO
  64106
  8168607000
  Cornelius James
  former officer
  common
  Merrill
  8890 Lyra Dr 5th Flr
  Columbus
  OH
  43240
  1233
  78000.00
  48508939
  06/05/2023
  NASDAQ
  common
  01/23/2023
  Restricted stock vest
  UMB Financial
  N
  1233
  01/23/2023
  na
  N
  James Cornelius
  1010 GRAND AVE
  KANSAS CITY
  MO
  64106
  common
  06/02/2023
  2000
  124000.00
  06/05/2023
  James Cornelius