<?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>0001229109</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>KEMPER J MARINER</nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <relationshipsToIssuer>
        <relationshipToIssuer>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>3500</noOfUnitsSold>
      <aggregateMarketValue>379745.00</aggregateMarketValue>
      <noOfUnitsOutstanding>48798443</noOfUnitsOutstanding>
      <approxSaleDate>02/21/2025</approxSaleDate>
      <securitiesExchangeName>NASDAQ</securitiesExchangeName>
    </securitiesInformation>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>02/09/2025</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted stock vest</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>42</amountOfSecuritiesAcquired>
      <paymentDate>02/09/2025</paymentDate>
      <natureOfPayment>na</natureOfPayment>
    </securitiesToBeSold>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>02/10/2025</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted stock vest</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>429</amountOfSecuritiesAcquired>
      <paymentDate>02/10/2025</paymentDate>
      <natureOfPayment>NA</natureOfPayment>
    </securitiesToBeSold>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>02/11/2025</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted stock vest</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>1446</amountOfSecuritiesAcquired>
      <paymentDate>02/11/2025</paymentDate>
      <natureOfPayment>NA</natureOfPayment>
    </securitiesToBeSold>
    <securitiesToBeSold>
      <securitiesClassTitle>Common</securitiesClassTitle>
      <acquiredDate>02/12/2025</acquiredDate>
      <natureOfAcquisitionTransaction>Restricted stock vest</natureOfAcquisitionTransaction>
      <nameOfPersonfromWhomAcquired>UMB Financial</nameOfPersonfromWhomAcquired>
      <isGiftTransaction>N</isGiftTransaction>
      <amountOfSecuritiesAcquired>1583</amountOfSecuritiesAcquired>
      <paymentDate>02/12/2025</paymentDate>
      <natureOfPayment>na</natureOfPayment>
    </securitiesToBeSold>
    <nothingToReportFlagOnSecuritiesSoldInPast3Months>N</nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>The R.C. Kemper 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>12/02/2024</saleDate>
      <amountOfSecuritiesSold>24300</amountOfSecuritiesSold>
      <grossProceeds>3036384.63</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>
      <saleDate>12/02/2024</saleDate>
      <amountOfSecuritiesSold>2775</amountOfSecuritiesSold>
      <grossProceeds>346740.41</grossProceeds>
    </securitiesSoldInPast3Months>
    <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>12/02/2024</saleDate>
      <amountOfSecuritiesSold>6375</amountOfSecuritiesSold>
      <grossProceeds>796565.81</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Jr 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>12/02/2024</saleDate>
      <amountOfSecuritiesSold>6450</amountOfSecuritiesSold>
      <grossProceeds>805937.18</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Charitable Trust</name>
        <address>
          <com:street1>1010 Grand Blvd</com:street1>
          <com:city>Kanas City</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </address>
      </sellerDetails>
      <securitiesClassTitle>common</securitiesClassTitle>
      <saleDate>01/02/2025</saleDate>
      <amountOfSecuritiesSold>1250</amountOfSecuritiesSold>
      <grossProceeds>141549.25</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Jr 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>01/02/2025</saleDate>
      <amountOfSecuritiesSold>2250</amountOfSecuritiesSold>
      <grossProceeds>288760.47</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Enid &amp; Crosby KEmper 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>
      <saleDate>11/25/2024</saleDate>
      <amountOfSecuritiesSold>4000</amountOfSecuritiesSold>
      <grossProceeds>517151.22</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>
        </address>
      </sellerDetails>
      <securitiesClassTitle>common</securitiesClassTitle>
      <saleDate>01/02/2025</saleDate>
      <amountOfSecuritiesSold>576</amountOfSecuritiesSold>
      <grossProceeds>65225.89</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>RC Kemper Chariable 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>
      <saleDate>02/03/2025</saleDate>
      <amountOfSecuritiesSold>1250</amountOfSecuritiesSold>
      <grossProceeds>141896.05</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>R C Kemper Jr 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>
      <saleDate>02/03/2025</saleDate>
      <amountOfSecuritiesSold>2550</amountOfSecuritiesSold>
      <grossProceeds>289467.95</grossProceeds>
    </securitiesSoldInPast3Months>
    <securitiesSoldInPast3Months>
      <sellerDetails>
        <name>Bebe &amp; Grosby Kemper 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>
      <saleDate>02/03/2025</saleDate>
      <amountOfSecuritiesSold>576</amountOfSecuritiesSold>
      <grossProceeds>65385.70</grossProceeds>
    </securitiesSoldInPast3Months>
    <noticeSignature>
      <noticeDate>02/21/2025</noticeDate>
      <signature>John Mariner Kemper</signature>
    </noticeSignature>
  </formData>
</edgarSubmission>
