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            <ccc>XXXXXXXX</ccc>
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        <liveTestFlag>LIVE</liveTestFlag>
  
  
  
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        <secFileNumber>001-38481</secFileNumber>
        <issuerAddress>
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          <com:city>KANSAS CITY</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </issuerAddress>
        <issuerContactPhone>8168607000</issuerContactPhone>
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        </relationshipsToIssuer>
      </issuerInfo>
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        <securitiesClassTitle>common</securitiesClassTitle>
        <brokerOrMarketmakerDetails>
          <name>Merrill</name>
          <address>
            <com:street1>8890 Lyra Dr 5th</com:street1>
            <com:city>Columbus</com:city>
            <com:stateOrCountry>OH</com:stateOrCountry>
            <com:zipCode>43240</com:zipCode>
          </address>
        </brokerOrMarketmakerDetails>
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        <aggregateMarketValue>290835.00</aggregateMarketValue>
        <noOfUnitsOutstanding>48530798</noOfUnitsOutstanding>
        <approxSaleDate>02/02/2024</approxSaleDate>
        <securitiesExchangeName>NASDQ</securitiesExchangeName>
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        <natureOfAcquisitionTransaction>Restricted stock vest</natureOfAcquisitionTransaction>
        <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>1618</amountOfSecuritiesAcquired>
        <paymentDate>02/08/2022</paymentDate>
        <natureOfPayment>na</natureOfPayment>
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      <securitiesToBeSold>
        <securitiesClassTitle>Common</securitiesClassTitle>
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        <nameOfPersonfromWhomAcquired>UMB Fianancial</nameOfPersonfromWhomAcquired>
        <isGiftTransaction>N</isGiftTransaction>
        <amountOfSecuritiesAcquired>1882</amountOfSecuritiesAcquired>
        <paymentDate>01/24/2022</paymentDate>
        <natureOfPayment>na</natureOfPayment>
      </securitiesToBeSold>
      <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
      <securitiesSoldInPast3Months>
        <sellerDetails>
          <name>UMB Bank NA and J Mariner Kemper CO TTEES of The R.C. Kemper Jr Marital TR</name>
          <address>
            <com:street1>1010 Grand BLvd</com:street1>
            <com:city>Kansas City</com:city>
            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>common</securitiesClassTitle>
        <saleDate>11/16/2023</saleDate>
        <amountOfSecuritiesSold>23160</amountOfSecuritiesSold>
        <grossProceeds>1673259.05</grossProceeds>
      </securitiesSoldInPast3Months>
      <securitiesSoldInPast3Months>
        <sellerDetails>
          <name>Bebe &amp; Crosby Kemper Foundation</name>
          <address>
            <com:street1>1010 Grand Bldv</com:street1>
            <com:city>Kansas City</com:city>
            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>Common</securitiesClassTitle>
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        <amountOfSecuritiesSold>840</amountOfSecuritiesSold>
        <grossProceeds>60688.15</grossProceeds>
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      <securitiesSoldInPast3Months>
        <sellerDetails>
          <name>R C Kemper Charitable Trust</name>
          <address>
            <com:street1>1010 Grand Blvd</com:street1>
            <com:city>Kansas City</com:city>
            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>Common</securitiesClassTitle>
        <saleDate>11/16/2023</saleDate>
        <amountOfSecuritiesSold>1919</amountOfSecuritiesSold>
        <grossProceeds>138643.53</grossProceeds>
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      <securitiesSoldInPast3Months>
        <sellerDetails>
          <name>R C Kemper Jr Charitable Trust</name>
          <address>
            <com:street1>1010 Grand Blvd</com:street1>
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            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>Common</securitiesClassTitle>
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          <name>UMB Bank NA and J Mariner Kemper CO TTEES of The R.C. Kemper Jr Marital TR</name>
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            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
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        </sellerDetails>
        <securitiesClassTitle>Common</securitiesClassTitle>
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        <grossProceeds>3029649.85</grossProceeds>
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            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>common</securitiesClassTitle>
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        <grossProceeds>108765.66</grossProceeds>
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      <securitiesSoldInPast3Months>
        <sellerDetails>
          <name>R C Kemper Charitable Trust</name>
          <address>
            <com:street1>1010 Grand Blvd</com:street1>
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            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>common</securitiesClassTitle>
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        <grossProceeds>248012.01</grossProceeds>
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      <securitiesSoldInPast3Months>
        <sellerDetails>
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            <com:zipCode>64106</com:zipCode>
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        </sellerDetails>
        <securitiesClassTitle>Common</securitiesClassTitle>
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        <amountOfSecuritiesSold>6321</amountOfSecuritiesSold>
        <grossProceeds>462034.76</grossProceeds>
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      <securitiesSoldInPast3Months>
        <sellerDetails>
          <name>R.C. Kemper Jr Marital Trust</name>
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            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>Common</securitiesClassTitle>
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        <grossProceeds>608243.94</grossProceeds>
      </securitiesSoldInPast3Months>
      <securitiesSoldInPast3Months>
        <sellerDetails>
          <name>Bebe &amp; Crosby Kemper Foundation for the Arts</name>
          <address>
            <com:street1>1010 Grand Blvd</com:street1>
            <com:city>Kansas City</com:city>
            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
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        <securitiesClassTitle>Common</securitiesClassTitle>
        <saleDate>12/04/2023</saleDate>
        <amountOfSecuritiesSold>291</amountOfSecuritiesSold>
        <grossProceeds>21924.09</grossProceeds>
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      <securitiesSoldInPast3Months>
        <sellerDetails>
          <name>R C Kemper Charitable Trust &amp; Foundation</name>
          <address>
            <com:street1>1010 Grand Blvd</com:street1>
            <com:city>Kansas City</com:city>
            <com:stateOrCountry>MO</com:stateOrCountry>
            <com:zipCode>64106</com:zipCode>
          </address>
        </sellerDetails>
        <securitiesClassTitle>Common</securitiesClassTitle>
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        <grossProceeds>93196.20</grossProceeds>
      </securitiesSoldInPast3Months>
      <noticeSignature>
        <noticeDate>02/02/2024</noticeDate>
        <signature>J Mariner Kemper</signature>
      </noticeSignature>
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text: 144
  0001229109
  XXXXXXXX
  LIVE
  0000101382
  UMB FINANCIAL CORP
  001-38481
  1010 GRAND AVE
  KANSAS CITY
  MO
  64106
  8168607000
  KEMPER J MARINER
  Officer
  common
  Merrill
  8890 Lyra Dr 5th
  Columbus
  OH
  43240
  3500
  290835.00
  48530798
  02/02/2024
  NASDQ
  Common
  02/08/2022
  Restricted stock vest
  UMB Financial
  N
  1618
  02/08/2022
  na
  Common
  01/24/2022
  Restricted stock vest
  UMB Fianancial
  N
  1882
  01/24/2022
  na
  N
  UMB Bank NA and J Mariner Kemper CO TTEES of The R.C. Kemper Jr Marital TR
  1010 Grand BLvd
  Kansas City
  MO
  64106
  common
  11/16/2023
  23160
  1673259.05
  Bebe & Crosby Kemper Foundation
  1010 Grand Bldv
  Kansas City
  MO
  64106
  Common
  11/16/2023
  840
  60688.15
  R C Kemper Charitable Trust
  1010 Grand Blvd
  Kansas City
  MO
  64106
  Common
  11/16/2023
  1919
  138643.53
  R C Kemper Jr Charitable Trust
  1010 Grand Blvd
  Kansas City
  MO
  64106
  Common
  11/16/2023
  3575
  258285.89
  UMB Bank NA and J Mariner Kemper CO TTEES of The R.C. Kemper Jr Marital TR
  1010 Grand Blvd
  Kansas City
  MO
  64106
  Common
  11/17/2023
  41448
  3029649.85
  Bebe & Crosby Kemper Foundation
  1010 Grand Blvd
  Kansas City
  MO
  64106
  common
  11/17/2023
  1488
  108765.66
  R C Kemper Charitable Trust
  1010 Grand Blvd
  Kanas City
  MO
  64106
  common
  11/17/2023
  3393
  248012.01
  R C Kemper Jr Charitable Trust
  1010 Grand Blvd
  Kansas City
  MO
  64106
  Common
  11/17/2023
  6321
  462034.76
  R.C. Kemper Jr Marital Trust
  1010 Grand Blvd
  Kansas City
  MO
  64106
  Common
  12/04/2023
  8076
  608243.94
  Bebe & Crosby Kemper Foundation for the Arts
  1010 Grand Blvd
  Kansas City
  MO
  64106
  Common
  12/04/2023
  291
  21924.09
  R C Kemper Charitable Trust & Foundation
  1010 Grand Blvd
  Kansas City
  MO
  64106
  Common
  12/04/2023
  664
  50026.09
  R C Kemper Jr Charitable Trust & Foundation
  1010 Grand Blvd
  Kansas City
  MO
  64106
  Common
  12/04/2023
  1237
  93196.20
  02/02/2024
  J Mariner Kemper