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  <headerData>
    <submissionType>144</submissionType>
    <filerInfo>
      <filer>
        <filerCredentials>
          <cik>0001975226</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>Bebe &amp; Crosby Kemper Foundation for the Arts</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>Affiliate</relationshipToIssuer>
      </relationshipsToIssuer>
    </issuerInfo>
    <securitiesInformation>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <brokerOrMarketmakerDetails>
        <name>Capital Institutional Services</name>
        <address>
          <com:street1>1700 Pacific Ave.</com:street1>
          <com:street2>Suite 1000</com:street2>
          <com:city>Dallas</com:city>
          <com:stateOrCountry>TX</com:stateOrCountry>
          <com:zipCode>75201</com:zipCode>
        </address>
      </brokerOrMarketmakerDetails>
      <noOfUnitsSold>576</noOfUnitsSold>
      <aggregateMarketValue>74499.84</aggregateMarketValue>
      <noOfUnitsOutstanding>75978727</noOfUnitsOutstanding>
      <approxSaleDate>06/01/2026</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <acquiredDate>04/18/2008</acquiredDate>
      <natureOfAcquisitionTransaction>Gift</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>R.C. Kemper, Jr.</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>Y</isGiftTransaction>
      <donarAcquiredDate>01/05/1970</donarAcquiredDate>
      <amountOfSecuritiesAcquired>173627</amountOfSecuritiesAcquired>
      <natureOfPayment>NA</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Charitable Trust and Foundation</name>
        <address>
          <com:street1>1010 Grand Boulevard</com:street1>
          <com:city>Kansas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>05/01/2026</saleDate>
      <amountOfSecuritiesSold>1250</amountOfSecuritiesSold>
      <grossProceeds>158143.99</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Jr Charitable Trust and Foundation</name>
        <address>
          <com:street1>1010 Grand Boulevard</com:street1>
          <com:city>Kansas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>05/01/2026</saleDate>
      <amountOfSecuritiesSold>2550</amountOfSecuritiesSold>
      <grossProceeds>322613.74</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Bebe &amp; Crosby Kemper Foundation for the Arts</name>
        <address>
          <com:street1>1010 Grand Boulevard</com:street1>
          <com:city>Kansas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>05/01/2026</saleDate>
      <amountOfSecuritiesSold>576</amountOfSecuritiesSold>
      <grossProceeds>72872.75</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Charitable Trust and Foundation</name>
        <address>
          <com:street1>1010 Grand Boulevard</com:street1>
          <com:city>Kansas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>04/01/2026</saleDate>
      <amountOfSecuritiesSold>1250</amountOfSecuritiesSold>
      <grossProceeds>143348.13</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Jr Charitable Trust and Foundation</name>
        <address>
          <com:street1>1010 Grand Boulevard</com:street1>
          <com:city>Kansas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>04/01/2026</saleDate>
      <amountOfSecuritiesSold>2550</amountOfSecuritiesSold>
      <grossProceeds>292430.17</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Bebe &amp; Crosby Kemper Foundation for the Arts</name>
        <address>
          <com:street1>1010 Grand Boulevard</com:street1>
          <com:city>Kansas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>04/01/2026</saleDate>
      <amountOfSecuritiesSold>576</amountOfSecuritiesSold>
      <grossProceeds>66054.82</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Bebe &amp; Crosby Kemper Foundation for the Arts</name>
        <address>
          <com:street1>1010 Grand Boulevard</com:street1>
          <com:city>Kansas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>03/02/2026</saleDate>
      <amountOfSecuritiesSold>576</amountOfSecuritiesSold>
      <grossProceeds>67290.11</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Charitable Trust and Foundation</name>
        <address>
          <com:street1>1010 Grand Boulevard</com:street1>
          <com:city>Kansas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>03/02/2026</saleDate>
      <amountOfSecuritiesSold>1250</amountOfSecuritiesSold>
      <grossProceeds>146028.88</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Jr Charitable Trust and Foundation</name>
        <address>
          <com:street1>1010 Grand Boulevard</com:street1>
          <com:city>Kansas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>Common Stock</securitiesClassTitle>
      <saleDate>03/02/2026</saleDate>
      <amountOfSecuritiesSold>2550</amountOfSecuritiesSold>
      <grossProceeds>297898.90</grossProceeds>
    </securitiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>06/01/2026</noticeDate>
      <planAdoptionDates>
        <planAdoptionDate>09/05/2025</planAdoptionDate>
      </planAdoptionDates>
      <signature>Megan L. Mercer by POA</signature>
    </noticeSignature>
  </formData>
</edgarSubmission>
