<?xml version="1.0" encoding="UTF-8"?><own:edgarSubmission xmlns:com="http://www.sec.gov/edgar/common" xmlns:own="http://www.sec.gov/edgar/ownership">
  <!-- Generated by Workiva -->
  <own:headerData>
    <own:submissionType>144</own:submissionType>
    <own:filerInfo>
      <own:filer>
        <own:filerCredentials>
          <own:cik>0001890549</own:cik>
          <own:ccc>XXXXXXXX</own:ccc>
        </own:filerCredentials>
      </own:filer>
      <own:liveTestFlag>LIVE</own:liveTestFlag>



    </own:filerInfo>
  </own:headerData>
  <own:formData>
    <own:issuerInfo>
      <own:issuerCik>0000101382</own:issuerCik>
      <own:issuerName>UMB FINANCIAL CORPORATION</own:issuerName>
      <own:secFileNumber>001-38481</own:secFileNumber>
      <own:issuerAddress>
        <com:street1>1010 Grand Boulevard</com:street1>
        <com:city>Kansas City</com:city>
        <com:stateOrCountry>MO</com:stateOrCountry>
        <com:zipCode>64106</com:zipCode>
      </own:issuerAddress>
      <own:issuerContactPhone>816-860-7000</own:issuerContactPhone>
      <own:nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>Uma Wilson</own:nameOfPersonForWhoseAccountTheSecuritiesAreToBeSold>
      <own:relationshipsToIssuer>
        <own:relationshipToIssuer>Officer</own:relationshipToIssuer>
      </own:relationshipsToIssuer>
    </own:issuerInfo>
    <own:securitiesInformation>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:brokerOrMarketmakerDetails>
        <own:name>Merrill</own:name>
        <own: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>
        </own:address>
      </own:brokerOrMarketmakerDetails>
      <own:noOfUnitsSold>4145</own:noOfUnitsSold>
      <own:aggregateMarketValue>613460</own:aggregateMarketValue>
      <own:noOfUnitsOutstanding>75978727</own:noOfUnitsOutstanding>
      <own:approxSaleDate>08/04/2026</own:approxSaleDate>
      <own:securitiesExchangeName>NASDAQ</own:securitiesExchangeName>
    </own:securitiesInformation>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>01/27/2025</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>1128</own:amountOfSecuritiesAcquired>
      <own:paymentDate>01/27/2025</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>02/09/2025</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>336</own:amountOfSecuritiesAcquired>
      <own:paymentDate>02/09/2025</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>02/10/2025</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>191</own:amountOfSecuritiesAcquired>
      <own:paymentDate>02/10/2025</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>02/11/2025</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>126</own:amountOfSecuritiesAcquired>
      <own:paymentDate>02/11/2025</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>02/12/2025</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>145</own:amountOfSecuritiesAcquired>
      <own:paymentDate>02/12/2025</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>07/29/2025</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>824</own:amountOfSecuritiesAcquired>
      <own:paymentDate>07/29/2025</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>12/31/2025</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>597</own:amountOfSecuritiesAcquired>
      <own:paymentDate>12/31/2025</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>02/07/2026</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>275</own:amountOfSecuritiesAcquired>
      <own:paymentDate>02/07/2026</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>02/09/2026</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>265</own:amountOfSecuritiesAcquired>
      <own:paymentDate>02/09/2026</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>02/10/2026</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>158</own:amountOfSecuritiesAcquired>
      <own:paymentDate>02/10/2026</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:securitiesToBeSold>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:acquiredDate>02/11/2026</own:acquiredDate>
      <own:natureOfAcquisitionTransaction>Restricted Stock Vest</own:natureOfAcquisitionTransaction>
      <own:nameOfPersonfromWhomAcquired>UMB Financial Corporation</own:nameOfPersonfromWhomAcquired>
      <own:isGiftTransaction>N</own:isGiftTransaction>
      <own:amountOfSecuritiesAcquired>100</own:amountOfSecuritiesAcquired>
      <own:paymentDate>02/11/2026</own:paymentDate>
      <own:natureOfPayment>NA</own:natureOfPayment>
    </own:securitiesToBeSold>
    <own:nothingToReportFlagOnSecuritiesSoldInPast3Months>N</own:nothingToReportFlagOnSecuritiesSoldInPast3Months>
    <own:securitiesSoldInPast3Months>
      <own:sellerDetails>
        <own:name>Uma Wilson</own:name>
        <own:address>
          <com:street1>1010 GRAND AVE</com:street1>
          <com:city>KANSAS CITY</com:city>
          <com:stateOrCountry>MO</com:stateOrCountry>
          <com:zipCode>64106</com:zipCode>
        </own:address>
      </own:sellerDetails>
      <own:securitiesClassTitle>Common</own:securitiesClassTitle>
      <own:saleDate>06/10/2026</own:saleDate>
      <own:amountOfSecuritiesSold>922</own:amountOfSecuritiesSold>
      <own:grossProceeds>122667.77</own:grossProceeds>
    </own:securitiesSoldInPast3Months>
    <own:noticeSignature>
      <own:noticeDate>08/04/2026</own:noticeDate>
      <own:signature>Uma Wilson</own:signature>
    </own:noticeSignature>
  </own:formData>
</own:edgarSubmission>
