Filing Flows › Zions Bancorporation, National Association (ZION) › Q3 2026
Zions Bancorporation, National Association (ZION) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Zions Bancorporation, National Association (ZION) reported revenue of $881M for the third quarter 2026 (Q3 2026), +2% from a year earlier and -23% from the quarter before. Operating margin was 38.1%, net earnings $263M (29.9% of revenue).
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 follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $881M | -23% | +2% |
| Operating profit | $336M | -42% | +18% |
| Net earnings | $263M | -42% | +18% |
| Operating cash flow | $894M | +112% | +104% |
| Free cash flow | $860M | +121% | +108% |
What changed
Revenue was $881.0M in Q3 2026, up 2% year over year and down 23% from the previous quarter.
Operating profit was $336.0M, a 38.1% margin (up 5.0 points year over year). Of the extra revenue versus Q3 2025, 255% reached operating profit, above the 33% margin then. Total costs fell 5% while revenue rose 2%. Net earnings were $263.0M, up 18% year over year. The effective tax rate was 21.7%.
Operating cash flow was $894.0M (up 104% year over year), 340% of net earnings. Non-cash charges added back $31.0M of depreciation and amortization and $7.0M of share-based compensation. Working capital and other items added $593.0M. Capital expenditures of $34.0M left free cash flow of $860.0M.
Questions
What was Zions Bancorporation, National Association's revenue in the third quarter 2026?
Zions Bancorporation, National Association (ZION) reported revenue of $881M for the third quarter 2026 (Q3 2026), +2% from a year earlier and -23% from the quarter before.
Was Zions Bancorporation, National Association profitable in the third quarter 2026?
Operating profit was $336M (38.1% of revenue) and net earnings $263M.
Source: Zions Bancorporation, National Association 10-Q on SEC EDGAR.