FORM 4
[ ] Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).         
 UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP OF SECURITIES
                                                                                  
 OMB APPROVAL
OMB Number: 3235-0287
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Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934 or Section 30(h) of the Investment Company Act of 1940
                      

1. Name and Address of Reporting Person *

Cornelius James		 2. Issuer Name and Ticker or Trading Symbol

UMB FINANCIAL CORP [ UMBF ] 		5. Relationship of Reporting Person(s) to Issuer (Check all applicable)

_____ Director                    _____ 10% Owner
__X__ Officer (give title below)    _____ Other (specify below)
Executive Vice President
(Last)          (First)          (Middle)

1010 GRAND BLVD.		 3. Date of Earliest Transaction (MM/DD/YYYY)

2/1/2023
(Street)

KANSAS CITY, MO 64106
(City)        (State)        (Zip)
4. If Amendment, Date Original Filed (MM/DD/YYYY)

 
 6. Individual or Joint/Group Filing (Check Applicable Line)

_X _ Form filed by One Reporting Person
___ Form filed by More than One Reporting Person

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1.Title of Security
(Instr. 3) 		2. Trans. Date 2A. Deemed Execution Date, if any 3. Trans. Code
(Instr. 8) 		4. Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5) 		5. Amount of Securities Beneficially Owned Following Reported Transaction(s)
(Instr. 3 and 4) 		6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
Code V Amount (A) or (D) Price
Common Stock 2/1/2023  S  50 D$89.65 9802.3994 D  
Common Stock 2/1/2023  S  124 D$89.67 9678.3994 D  
Common Stock 2/1/2023  S  28 D$89.69 9650.3994 D  
Common Stock 2/1/2023  S  39 D$89.70 9611.3994 D  
Common Stock 2/1/2023  S  15 D$89.72 9596.3994 D  
Common Stock 2/1/2023  S  110 D$89.74 9486.3994 D  
Common Stock 2/1/2023  S  18 D$89.75 9468.3994 D  
Common Stock 2/1/2023  S  18 D$89.76 9450.3994 D  
Common Stock 2/1/2023  S  25 D$89.78 9425.3994 D  
Common Stock 2/1/2023  S  27 D$89.79 9398.3994 D  
Common Stock 2/1/2023  S  49 D$89.80 9349.3994 D  
Common Stock 2/1/2023  S  37 D$89.82 9312.3994 D  
Common Stock 2/1/2023  S  24 D$89.84 9288.3994 D  
Common Stock 2/1/2023  S  19 D$89.85 9269.3994 D  
Common Stock 2/1/2023  S  71 D$89.92 9198.3994 D  
Common Stock 2/1/2023  S  3 D$89.93 9195.3994 D  
Common Stock 2/1/2023  S  45 D$89.94 9150.3994 D  
Common Stock 2/1/2023  S  25 D$89.98 9125.3994 D  
Common Stock 2/1/2023  S  29 D$89.99 9096.3994 D  
Common Stock 2/1/2023  S  7 D$90.00 9089.3994 D  
Common Stock 2/1/2023  S  35 D$90.01 9054.3994 D  
Common Stock 2/1/2023  S  6 D$90.03 9048.3994 D  
Common Stock 2/1/2023  S  79 D$90.04 8969.3994 D  
Common Stock 2/1/2023  S  8 D$90.05 8961.3994 D  
Common Stock 2/1/2023  S  101 D$90.07 8860.3994 D  
Common Stock         128.6272 I By ESOP 

Table II - Derivative Securities Beneficially Owned (e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivate Security
(Instr. 3)		2. Conversion or Exercise Price of Derivative Security3. Trans. Date3A. Deemed Execution Date, if any4. Trans. Code
(Instr. 8)		5. Number of Derivative Securities Acquired (A) or Disposed of (D)
(Instr. 3, 4 and 5)		6. Date Exercisable and Expiration Date7. Title and Amount of Securities Underlying Derivative Security
(Instr. 3 and 4)		8. Price of Derivative Security
(Instr. 5)		9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4)10. Ownership Form of Derivative Security: Direct (D) or Indirect (I) (Instr. 4)11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Explanation of Responses:

Reporting Owners
Reporting Owner Name / Address
Relationships
Director10% OwnerOfficerOther
Cornelius James
1010 GRAND BLVD.
KANSAS CITY, MO 64106

Executive Vice President
Signatures
/s/ Jason Bartel, Attorney-in-fact for Mr. Cornelius2/1/2023
**Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
*If the form is filed by more than one reporting person, see Instruction 4(b)(v).
**Intentional misstatements or omissions of facts constitute Federal Criminal Violations. See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note:File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB control number.
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