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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Zions Bancorporation
Zions Bancorporation (ZION) investor relations material
Zions Bancorporation Q3 2026 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q3 2026 earnings summary19 Oct, 2026
Executive summary
Q3 net earnings available to common were $262 million, or $1.78 per diluted share, versus $221 million and $1.48 a year earlier; improved credit performance was a primary earnings driver.
Customer deposits grew faster than loans YoY, supporting a $1.8 billion reduction in borrowed funds; Q2 earnings included $252 million of pre-tax net gains.
Financial highlights
Tax-equivalent net interest income was $684 million, up $12 million or 2% YoY; adjusted PPNR was $338 million, down 4% YoY.
Adjusted customer-related fee income was $182 million, up 5% YoY; reported customer-related noninterest income was $192 million, up 18%.
Adjusted noninterest expense was $549 million, up 1% QoQ and 5.6% YoY; reported noninterest expense was $553 million, up 5% YoY.
Provision for credit losses was an $8 million benefit versus a $49 million expense in Q3 2025.
Nine-month net earnings available to common were $946 million, or $6.39 per diluted share, versus $633 million and $4.25 in 2025; 2026 included substantial Q2 securities gains.
Outlook and guidance
For Q3 2027 vs. Q3 2026, guidance calls for loan growth of 2%-4%, NII growth of 8%-12%, adjusted customer-related fee growth of 6%-9%, and adjusted expense growth of 4%-6%.
Loan growth is expected to center on C&I and owner-occupied commercial loans, followed by CRE; NII growth is expected from asset sensitivity, earning-asset remix, and loan and deposit growth.
Fee growth is expected from capital markets, wealth management, and commercial account fees; technology, marketing, and revenue-generating investments may mildly pressure expenses.
FY 2026 operating leverage is expected at ~40-50 bps including Basis; excluding the acquisition, it would approach the low end of the prior 100-150 bps outlook.
Guidance assumes three rate hikes and deposit costs rising to ~2% from 1.59%; mid-3% NIM levels are viewed as achievable in 2027, but no NIM guidance was issued.
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Latest events from Zions Bancorporation
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Proxy Filing - Balanced growth, disciplined risk, and strategic expansion drive strong profitability outlook.ZIONBarclays 24th Annual Global Financial Services Conference
- Q2 2026 net earnings surged 86% year-over-year, driven by strong fee growth and one-time gains.ZIONQ2 2026
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- Modest loan growth, stable deposits, and disciplined credit drive positive outlook amid easing regulation.ZIONBancAnalysts Association of Boston Conference 2024
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- Strong earnings, top-tier credit quality, and disciplined growth drive stakeholder value.ZIONInvestor presentation
- Earnings up 37% year-over-year, strong credit quality, and strategic multifamily lending acquisition.ZIONQ1 2026
- Net earnings rose 18% year-over-year to $169M, with improved NIM and stable credit quality.ZIONQ1 2025
Next Zions Bancorporation earnings date
Q4 202619 Jan, 2027
Zions Bancorporation
Next Zions Bancorporation earnings date
Q4 202619 Jan, 2027
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Frequently asked questions
Regional Southwestern Bank
Zions Bancorporation, headquartered in Salt Lake City, Utah, is a financial services company that provides a wide range of banking and related services. The company operates through a network of local banks and business lines and its services encompass commercial and retail banking, mortgage lending, and wealth management, catering to a diverse clientele that includes individuals, small and mid-sized businesses, and corporations. It is headquartered in Salt Lake City, Utah, and its shares are listed on the Nasdaq.
The Connection to the Church of LDS
The company’s history is closely intertwined with the development of the Church of Jesus Christ of Latter-day Saints (LDS Church) and the broader history of the state of Utah. Its original entity, Zions Savings Bank and Trust Company, was founded by Brigham Young, the second president of the LDS Church, in 1873: The bank was integral to the economic development of Utah and the surrounding region, offering financial services essential to a growing population. The church divested its interest in 1960, and today the bank operates as a secular and separate entity.
A Regional Focus
Zions has a strong regional focus in the Western United States. The company knows the area incredibly well and has tailored its services to ensure a good fit with local economies, cultures, and business environments. This regional specialization allows Zions to offer personalized banking and financial solutions to its customers, ranging from individual account holders to businesses of various sizes. This regional focus is similar to what can be seen with other banks such as Comerica, Fifth Third Bancorp, M&T Bank, and several others.
The Services on Offer
The company offers a wide array of banking and financial services. These services include personal banking solutions such as checking and savings accounts, credit and debit cards, and personal loans. For businesses, Zions offers commercial lending, treasury management, and international banking services, supporting businesses in their growth and global trade endeavors. Additionally, Zions provides wealth management and investment services, as well as mortgages and lending.