<?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>0001801742</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>Odgers David Carl</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Officer</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Merrill</name>
        <address>
          <com:street1>8890 Lyra Place</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>100</noOfUnitsSold>
      <aggregateMarketValue>12290.00</aggregateMarketValue>
      <noOfUnitsOutstanding>48798443</noOfUnitsOutstanding>
      <approxSaleDate>11/06/2024</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>02/08/2022</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted Stock Vest</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>88</amountOfSecuritiesAcquired>
      <paymentDate>02/08/2022</paymentDate>
      <natureOfPayment>n/a</natureOfPayment>
    </securitiesToBeSold>
    <securitiesToBeSold>
      <securitiesClassTitle>COmmon</securitiesClassTitle>
      <acquiredDate>02/11/2022</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted stoc vest</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>12</amountOfSecuritiesAcquired>
      <paymentDate>02/11/2022</paymentDate>
      <natureOfPayment>na</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>Y</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>11/06/2024</noticeDate>
      <signature>DAvid Odgers</signature>
    </noticeSignature>
  </formData>
</edgarSubmission>
