Filing Flows › Zions Bancorporation, National Association (ZION) › Q3 2026 › vs Q2 2026
Zions Bancorporation, National Association (ZION) Q3 2026 vs Q2 2026 (quarter over quarter)
Zions Bancorporation, National Association's revenue fell $256M (-23%) from $1.1B in Q2 2026 to $881M in Q3 2026. Operating margin 38.1% against 51.3% (-13.1 pts).
Zions Bancorporation, National Association, Q3 2026: revenue $881M (+2% year over year), operating margin 38.1%, net earnings $263M, operating cash flow $894M. The chart draws each line against Q2 2026, the increases inside each band.
Margins
| Q3 2026 | Q2 2026 | Change | |
|---|---|---|---|
| Operating margin | 38.1% | 51.3% | -13.1 pts |
| Net margin | 29.9% | 39.8% | -10.0 pts |
| Free cash flow margin | 97.6% | 34.2% | +63.4 pts |
Every line
| Line | Q3 2026 | Q2 2026 | Change | % |
|---|---|---|---|---|
| Revenue | $881M | $1.1B | −$256M | -23% |
| Operating profit | $336M | $583M | −$247M | -42% |
| Costs & expenses | $545M | $554M | −$9.0M | -2% |
| Pre-tax earnings | $336M | $583M | −$247M | -42% |
| Net earnings | $263M | $453M | −$190M | -42% |
| Income tax | $73.0M | $130M | −$57.0M | -44% |
| Depreciation & amortization | $31.0M | $27.0M | $4.0M | +15% |
| Share-based compensation | $7.0M | $6.0M | $1.0M | +17% |
| Working capital & other | $593M | −$64.0M | $657M | — |
| Operating cash flow | $894M | $422M | $472M | +112% |
| Free cash flow (OCF − capex) | $860M | $389M | $471M | +121% |
| Capital expenditures | $34.0M | $33.0M | $1.0M | +3% |
Questions
How much did Zions Bancorporation, National Association's revenue grow quarter over quarter in Q3 2026?
Zions Bancorporation, National Association's revenue fell $256M (-23%) from $1.1B in Q2 2026 to $881M in Q3 2026. Operating margin 38.1% against 51.3% (-13.1 pts).