Company: UMBFO
Filing Date: 2025-02-03
Form Type: S-8
Source: 0000950103-25-001331
Chunk: 0

Company: UMB FINANCIAL CORP
Filing Date: 2025-02-03
Form: S-8
Chunk 0
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<div align='center'>As filed with the Securities and Exchange Commission on February 3, 2025</div>

Registration No. 333-

<div align='center'>UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

FORM S-8

REGISTRATION STATEMENT

UNDER

THE SECURITIES ACT OF 1933

UMB FINANCIAL CORPORATION

(Exact name of registrant as specified in its charter)</div>

| Missouri               |     | 43-0903811                         |
| State of incorporation |     | I.R.S. Employer Identification No. |

<div align='center'>1010 Grand Blvd.

Kansas City, Missouri 64106

(Address of principal executive offices and zip code)

Heartland Financial USA, Inc. 2020 Long-Term Incentive Plan

Heartland Financial USA, Inc. 2024 Long-Term Incentive Plan

(Full title of the plan)

Megan Mercer

Senior Vice President and Deputy General Counsel

UMB Financial Corporation

1010 Grand Avenue

Kansas City, Missouri 64106

(816) 860-7000

(Name, address, including zip code, and telephone number, including area code, of agent for service)

Copy to:

Lee Hochbaum, Esq.

Jennifer Conway, Esq.

Davis Polk & Wardell LLP

450 Lexington Avenue New York, New York 10017

(212) 450-4000</div>

Indicate by check mark whether the registrant is a large accelerated
filer, an accelerated filer, a non-accelerated filer, a smaller reporting company or an emerging growth company. See the definitions of
“large accelerated filer,” “accelerated filer,” “smaller reporting company” and “emerging growth
company” in Rule 12b-2 of the Exchange Act.

| Large accelerated filer |     | ☒                                               |     | Accelerated filer         |     | ☐ |
| Non-accelerated filer   |     | ☐ (Do not check if a smaller reporting company) |     | Smaller reporting company |     | ☐ |
|                         |     |                                                 |     | Emerging growth company   |     | ☐ |

If an emerging growth company, indicate by check mark if the registrant
has elected not to use the extended transition period for complying with new or revised financial accounting standards provided pursuant
to Section 7(a)(