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>0001659887</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 BLVD</com:street1>
          <com:city>KANSAS CITY</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </issuerAddress>
        <issuerContactPhone>8168607000</issuerContactPhone>
        <nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Terry Thomas S</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
        <relationshipsToIssuer>
          <relationshipToIssuer>Officer</relationshipToIssuer>
        </relationshipsToIssuer>
      </issuerInfo>
      <securitiesInformation>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <brokerOrMarketmakerDetails>
          <name>Merrill Lynch</name>
          <address>
            <com:street1>8890 Lyra Drive</com:street1>
            <com:street2>5th Floor</com:street2>
            <com:city>Columbus</com:city>
            <com:stateOrCountry>OH</com:stateOrCountry>
            <com:zipCode>43240</com:zipCode>
          </address>
        </brokerOrMarketmakerDetails>
        <noOfUnitsSold>2558</noOfUnitsSold>
        <aggregateMarketValue>214300.00</aggregateMarketValue>
        <noOfUnitsOutstanding>48530798</noOfUnitsOutstanding>
        <approxSaleDate>12/14/2023</approxSaleDate>
        <securitiesExchangeName>NASDAQ</securitiesExchangeName>
      </securitiesInformation>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>02/11/2022</acquiredDate>
        <natureOfAcquisitionTransaction>RSU Lapse</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>394</amountOfSecuritiesAcquired>
        <paymentDate>02/11/2022</paymentDate>
        <natureOfPayment>cash</natureOfPayment>
      </securitiesToBeSold>
      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <acquiredDate>01/23/2023</acquiredDate>
        <natureOfAcquisitionTransaction>RSU Lapse</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>2164</amountOfSecuritiesAcquired>
        <paymentDate>01/23/2023</paymentDate>
        <natureOfPayment>cash</natureOfPayment>
      </securitiesToBeSold>
      <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
      <noticeSignature>
        <noticeDate>12/14/2023</noticeDate>
        <signature>Thomas Terry</signature>
      </noticeSignature>
    </formData>
  </edgarSubmission>
metadata_documents: [{"type": "144", "sequence": "1", "filename": "primary_doc.xml", "secsgml_size_bytes": 3241}]
text: 144
  0001659887
  XXXXXXXX
  LIVE
  0000101382
  UMB FINANCIAL CORP
  001-38481
  1010 GRAND BLVD
  KANSAS CITY
  MO
  64106
  8168607000
  Terry Thomas S
  Officer
  Common
  Merrill Lynch
  8890 Lyra Drive
  5th Floor
  Columbus
  OH
  43240
  2558
  214300.00
  48530798
  12/14/2023
  NASDAQ
  Common
  02/11/2022
  RSU Lapse
  UMB Financial
  N
  394
  02/11/2022
  cash
  Common
  01/23/2023
  RSU Lapse
  UMB Financial
  N
  2164
  01/23/2023
  cash
  Y
  12/14/2023
  Thomas Terry