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Zions Bancorporation, National Association vs UMB Financial: ZION and UMBF compared
Zions Bancorporation, National Association is the larger company: $881M of revenue in its latest quarter (Q3 2026) against $772M for UMB Financial (Q3 2026). UMB Financial is growing faster (+14% against +2% a year earlier). UMB Financial is more profitable, with an operating margin of 44.3% against 38.1%.
Where the money goes: ZION and UMBF
Zions Bancorporation, National Association (ZION) · Q3 2026
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.
UMB Financial (UMBF) · Q3 2026
UMB Financial, Q3 2026: revenue $772M (+14% year over year), operating margin 44.3%, net earnings $278M, operating cash flow $370M. The chart follows the revenue to costs, profit and cash.
| Zions Bancorporation, National Association (ZION) | UMB Financial (UMBF) | |
|---|---|---|
| Latest quarter | Q3 2026 | Q3 2026 |
| Revenue | $881M | $772M |
| Revenue growth, Y/Y | +2% | +14% |
| Operating margin | 38.1% | 44.3% |
| Net earnings | $263M | $278M |
| Net margin | 29.9% | 36.0% |
| Operating cash flow | $894M | $370M |
| Free cash flow | $860M | $359M |
| Market value | $9.7B | $10.6B |
| P/E | 8.3× | 10.4× |
| Analysts’ mean target | $72.64 | $161.06 |
Where the revenue comes from
UMB Financial
- Net interest income: $540M (70%)
- Noninterest income: $232M (30%)
Questions
Which is bigger, Zions Bancorporation, National Association or UMB Financial?
Zions Bancorporation, National Association is the larger company: $881M of revenue in its latest quarter (Q3 2026) against $772M for UMB Financial (Q3 2026).
Is Zions Bancorporation, National Association or UMB Financial growing faster?
UMB Financial is growing faster (+14% against +2% a year earlier).
Which is more profitable, Zions Bancorporation, National Association or UMB Financial?
UMB Financial is more profitable, with an operating margin of 44.3% against 38.1%.
More: Zions Bancorporation, National Association earnings · how Zions Bancorporation, National Association makes money · UMB Financial earnings · how UMB Financial makes money
From the companies' latest 10-Q, 10-K or earnings release (10-Q filed Nov 5, 2026; 10-Q filed Oct 29, 2026). Fiscal quarters can end on different dates. Not investment advice.