UMB FINANCIAL CORP — Director's Dealing 2012

May 2, 2012

SEC Form 4 — Statement of Changes in Beneficial Ownership

Issuer: UMB FINANCIAL CORP (UMBF)
CIK: 0000101382
Period of Report: 2012-05-01

Reporting Person: Smith Lawrence G (Executive Vice President)

Non-Derivative Transactions

Date	Security	Code	Shares	Price	A/D	Holdings After	Ownership
2012-05-01	Common Stock	M	3997	$37.73	Acquired	10794.6084	Direct
2012-05-01	Common Stock	M	2277	$41.37	Acquired	13071.6084	Direct
2012-05-01	Common Stock	S	100	$48.57	Disposed	12971.6084	Direct
2012-05-01	Common Stock	S	121	$48.58	Disposed	12850.6084	Direct
2012-05-01	Common Stock	S	135	$48.59	Disposed	12715.6084	Direct
2012-05-01	Common Stock	S	1513	$48.60	Disposed	11202.6084	Direct
2012-05-01	Common Stock	S	725	$48.61	Disposed	10477.6084	Direct
2012-05-01	Common Stock	S	200	$48.62	Disposed	10277.6084	Direct
2012-05-01	Common Stock	S	21	$48.66	Disposed	10256.6084	Direct
2012-05-01	Common Stock	S	100	$48.665	Disposed	10156.6084	Direct
2012-05-01	Common Stock	S	800	$48.67	Disposed	9356.6084	Direct
2012-05-01	Common Stock	S	300	$48.68	Disposed	9056.6084	Direct
2012-05-01	Common Stock	S	121	$48.75	Disposed	8935.6084	Direct
2012-05-01	Common Stock	S	100	$48.69	Disposed	8835.6084	Direct
2012-05-01	Common Stock	S	421	$48.76	Disposed	8414.6084	Direct
2012-05-01	Common Stock	S	421	$48.80	Disposed	7993.6084	Direct
2012-05-01	Common Stock	S	400	$48.81	Disposed	7593.6084	Direct
2012-05-01	Common Stock	S	100	$48.82	Disposed	7493.6084	Direct
2012-05-01	Common Stock	S	100	$48.83	Disposed	7393.6084	Direct
2012-05-01	Common Stock	S	71	$48.86	Disposed	7322.6084	Direct
2012-05-01	Common Stock	S	425	$48.87	Disposed	6897.6084	Direct
2012-05-01	Common Stock	S	100	$48.88	Disposed	6797.6084	Direct

Derivative Transactions

Date	Security	Exercise Price	Code	Shares	A/D	Expiration	Underlying	Ownership
2012-05-01	Stock Option (Right to Buy)	$37.73	M	3997	Disposed	2018-01-01	Common Stock (3997)	Direct
2012-05-01	Stock Option (Right to Buy)	$41.37	M	2277	Disposed	2019-01-01	Common Stock (2277)	Direct

Holdings (Non-Derivative)

Security	Shares	Ownership
Common Stock	612.902	Indirect
Common Stock	101.4219	Indirect

Footnotes

F1: Options will vest 50% on 1/1/2011; 75% on 1/1/2012; and 100% on 1/1/2013

F2: Options will vest 50% on 1/1/2012, 75% on 1/1/2013, and 100% on 1/1/2014