Filing Flows › Zions Bancorporation, National Association (ZION) › Q3 2026 › vs Q3 2025
Zions Bancorporation, National Association (ZION) Q3 2026 vs Q3 2025 (year over year)
Zions Bancorporation, National Association's revenue rose $20.0M (+2%) from $861M in Q3 2025 to $881M in Q3 2026. Operating margin 38.1% against 33.1% (+5.0 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 Q3 2025, the increases inside each band.
Margins
| Q3 2026 | Q3 2025 | Change | |
|---|---|---|---|
| Operating margin | 38.1% | 33.1% | +5.0 pts |
| Net margin | 29.9% | 25.8% | +4.1 pts |
| Free cash flow margin | 97.6% | 48.0% | +49.6 pts |
Every line
| Line | Q3 2026 | Q3 2025 | Change | % |
|---|---|---|---|---|
| Revenue | $881M | $861M | $20.0M | +2% |
| Operating profit | $336M | $285M | $51.0M | +18% |
| Costs & expenses | $545M | $576M | −$31.0M | -5% |
| Pre-tax earnings | $336M | $285M | $51.0M | +18% |
| Net earnings | $263M | $222M | $41.0M | +18% |
| Income tax | $73.0M | $63.0M | $10.0M | +16% |
| Depreciation & amortization | $31.0M | $30.0M | $1.0M | +3% |
| Share-based compensation | $7.0M | $6.0M | $1.0M | +17% |
| Working capital & other | $593M | $180M | $413M | +229% |
| Operating cash flow | $894M | $438M | $456M | +104% |
| Free cash flow (OCF − capex) | $860M | $413M | $447M | +108% |
| Capital expenditures | $34.0M | $25.0M | $9.0M | +36% |
Questions
How much did Zions Bancorporation, National Association's revenue grow year over year in Q3 2026?
Zions Bancorporation, National Association's revenue rose $20.0M (+2%) from $861M in Q3 2025 to $881M in Q3 2026. Operating margin 38.1% against 33.1% (+5.0 pts).