ZION · Zions Bancorporation, National Association /Ut/ - Financials
Annual line items from SEC XBRL filings, sourced from EDGAR's Company Facts API with fallback to the quarterly Financial Statement Data Sets. See issuer overview for Form 4 activity and 10-K signals.
Income Statement
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $172.00M | - | $163.00M | $164.00M | $158.00M | - | $161.00M | $777.00M | $742.00M | - |
| Cost of Revenue | - | - | - | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - | - | - | - |
| R&D | - | - | - | - | - | - | - | - | - | - |
| SG&A | - | - | - | - | - | - | - | - | - | - |
| Total Operating Expenses | - | - | - | - | - | - | - | - | - | - |
| D&A | $30.00M | - | - | - | $28.00M | - | - | - | $32.00M | - |
| Operating Income | - | - | - | - | - | - | - | - | - | - |
| Interest Expense | - | - | - | - | - | - | - | - | $468.00M | - |
| Income Tax | $61.00M | - | $63.00M | $68.00M | $69.00M | - | $63.00M | $61.00M | $50.00M | - |
| Net Income | $233.00M | - | $222.00M | $244.00M | $170.00M | - | $214.00M | $201.00M | $153.00M | - |
| EPS - Basic | $1.56 | - | $1.48 | $1.63 | $1.13 | - | $1.37 | $1.28 | $0.96 | - |
| EPS - Diluted | $1.56 | - | $1.48 | $1.63 | $1.13 | - | $1.37 | $1.28 | $0.96 | - |
Balance Sheet
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Equivalents | $661.00M | $683.00M | $771.00M | $780.00M | $833.00M | $651.00M | $1.11B | $717.00M | $709.00M | $716.00M |
| Accounts Receivable | - | - | - | - | - | - | - | - | - | - |
| Inventory | - | - | - | - | - | - | - | - | - | - |
| Accounts Payable | - | - | - | - | - | - | - | - | - | - |
| Current Assets | - | - | - | - | - | - | - | - | - | - |
| Total Assets | $87.96B | $88.99B | $88.53B | $88.89B | $87.99B | $88.78B | $87.03B | $87.61B | $87.06B | $87.20B |
| Current Liabilities | - | - | - | - | - | - | - | - | - | - |
| Long-term Debt | - | - | - | - | - | $946.00M | - | - | $544.00M | $542.00M |
| Total Liabilities | $80.66B | $81.81B | $81.67B | $82.30B | $81.67B | $82.65B | $80.65B | $81.58B | $81.23B | $81.51B |
| Stockholders' Equity | $7.30B | $7.18B | $6.87B | $6.60B | $6.33B | $6.12B | $6.38B | $6.03B | $5.83B | $5.69B |
| Retained Earnings | $7.50B | $7.33B | $7.13B | $6.98B | $6.80B | $6.70B | $6.56B | $6.42B | $6.29B | $6.21B |
Cash Flow
| Line item | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $423.00M | - | - | - | $179.00M | - | - | - | $261.00M | - |
| Investing Cash Flow | $428.00M | - | - | - | $1.66B | - | - | - | $53.00M | - |
| Financing Cash Flow | ($873.00M) | - | - | - | ($1.66B) | - | - | - | ($321.00M) | - |
| CapEx | $25.00M | - | - | - | $27.00M | - | - | - | $30.00M | - |
| Free Cash Flow | $398.00M | - | - | - | $152.00M | - | - | - | $231.00M | - |
Ratios
| Metric | Q1 '26 | Q4 '25 | Q3 '25 | Q2 '25 | Q1 '25 | Q4 '24 | Q3 '24 | Q2 '24 | Q1 '24 | Q4 '23 |
|---|---|---|---|---|---|---|---|---|---|---|
| Profitability | ||||||||||
| Gross margin | - | - | - | - | - | - | - | - | - | - |
| Operating margin | - | - | - | - | - | - | - | - | - | - |
| EBITDA margin | - | - | - | - | - | - | - | - | - | - |
| Net margin | 135.5% | - | 136.2% | 148.8% | 107.6% | - | 132.9% | 25.9% | 20.6% | - |
| Free cash flow margin | 231.4% | - | - | - | 96.2% | - | - | - | 31.1% | - |
| FCF / Net income | 1.71 | - | - | - | 0.89 | - | - | - | 1.51 | - |
| R&D / Revenue | - | - | - | - | - | - | - | - | - | - |
| SG&A / Revenue | - | - | - | - | - | - | - | - | - | - |
| Effective tax rate | 20.7% | - | 22.1% | 21.8% | 28.9% | - | 22.7% | 23.3% | 24.6% | - |
| Return on assets | 0.3% | - | 0.3% | 0.3% | 0.2% | - | 0.2% | 0.2% | 0.2% | - |
| Return on equity | 3.2% | - | 3.2% | 3.7% | 2.7% | - | 3.4% | 3.3% | 2.6% | - |
| Return on invested capital | - | - | - | - | - | - | - | - | - | - |
| Liquidity | ||||||||||
| Current ratio | - | - | - | - | - | - | - | - | - | - |
| Quick ratio | - | - | - | - | - | - | - | - | - | - |
| Cash ratio | - | - | - | - | - | - | - | - | - | - |
| Leverage | ||||||||||
| Debt / Equity | - | - | - | - | - | 0.15 | - | - | 0.09 | 0.10 |
| Debt / Assets | - | - | - | - | - | 0.01 | - | - | 0.01 | 0.01 |
| Debt / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Interest coverage | - | - | - | - | - | - | - | - | - | - |
| Equity multiplier | 12.06 | 12.39 | 12.90 | 13.48 | 13.91 | 14.50 | 13.63 | 14.54 | 14.94 | 15.32 |
| Liabilities / Assets | 0.92 | 0.92 | 0.92 | 0.93 | 0.93 | 0.93 | 0.93 | 0.93 | 0.93 | 0.93 |
| Efficiency | ||||||||||
| Asset turnover | 0.00 | - | 0.00 | 0.00 | 0.00 | - | 0.00 | 0.01 | 0.01 | - |
| Inventory turnover | - | - | - | - | - | - | - | - | - | - |
| Days sales outstanding | - | - | - | - | - | - | - | - | - | - |
| Days inventory outstanding | - | - | - | - | - | - | - | - | - | - |
| Days payable outstanding | - | - | - | - | - | - | - | - | - | - |
| Cash conversion cycle | - | - | - | - | - | - | - | - | - | - |
| Valuation | ||||||||||
| P / E | 36.9x | - | 38.2x | 31.9x | 44.1x | - | 34.5x | 33.9x | 45.2x | - |
| P / B | 1.2x | - | 1.2x | 1.2x | 1.2x | - | 1.1x | 1.1x | 1.1x | - |
| P / S | 49.3x | - | 51.1x | 46.6x | 46.5x | - | 43.2x | 8.2x | 8.6x | - |
| EV / EBITDA | - | - | - | - | - | - | - | - | - | - |
| Growth | ||||||||||
| Revenue growth (YoY) | 8.9% | - | 1.2% | -78.9% | -78.7% | - | -79.0% | -0.4% | -11.6% | - |
| Revenue CAGR (3y) | -41.0% | - | -41.8% | -40.2% | -38.7% | - | -38.6% | 0.7% | 2.9% | - |
| Revenue CAGR (5y) | -24.1% | - | -25.6% | - | - | - | - | - | - | - |
| Gross profit growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Operating income growth (YoY) | - | - | - | - | - | - | - | - | - | - |
| Net income growth (YoY) | 37.1% | - | 3.7% | 21.4% | 11.1% | - | 22.3% | 14.9% | -25.0% | - |
| EPS growth (YoY) | 38.1% | - | 8.0% | 27.3% | 17.7% | - | 21.2% | 15.3% | -27.8% | - |
| EPS CAGR (3y) | 5.5% | - | 1.9% | 8.1% | -3.8% | - | -1.9% | -14.9% | -20.4% | - |
| EPS CAGR (5y) | -3.9% | - | 7.9% | 36.8% | 95.1% | - | 3.2% | 5.3% | -1.6% | - |
| FCF growth (YoY) | 161.8% | - | - | - | -34.2% | - | - | - | 21.6% | - |
| FCF CAGR (5y) | -1.6% | - | - | - | 4.0% | - | - | - | - | - |
| Book value growth (YoY) | 15.3% | 17.2% | 7.5% | 9.5% | 8.5% | 7.6% | 20.1% | 14.0% | 12.4% | 16.3% |
Sales by segment
From XBRL dimensional facts in the 10-K period ending 2025-12-31.
Business segments
$494.00M totalZions Bank Segment$155.00M · 31.4%
Amegy Corporation Segment$138.00M · 27.9%
California Bank And Trust Segment$81.00M · 16.4%
Nevada State Bank Segment$46.00M · 9.3%
National Bank Of Arizona Segment$40.00M · 8.1%
Vectra Bank Colorado Segment$28.00M · 5.7%
Commerce Bank Of Washington Segment$6.00M · 1.2%
Product / service
$155.00M totalProducts And Services Commercial Account Fees$60.00M · 38.7%
Products And Services Card Fees$49.00M · 31.6%
Products And Services Retail And Business Banking Fees$21.00M · 13.5%
Products And Services Wealth Management Fees$16.00M · 10.3%
Products And Services Other Customer Related Fees$8.00M · 5.2%
Products And Services Capital Markets Fees$1.00M · 0.6%
Peer comparison
Same SIC group: National Commercial Banks
Comparing ZIONS BANCORPORATION against the 5 most active filers in the same SIC group.
Dividends
$1.80/share trailing 12 months · +5.9% YoY
| Ex-date | Per share |
|---|---|
| May 14, 2026 | $0.4500 |
| Feb 12, 2026 | $0.4500 |
| Nov 13, 2025 | $0.4500 |
| Aug 14, 2025 | $0.4500 |
| May 15, 2025 | $0.4300 |
| Feb 13, 2025 | $0.4300 |
| Nov 14, 2024 | $0.4300 |
| Aug 15, 2024 | $0.4100 |
| May 15, 2024 | $0.4100 |
| Feb 14, 2024 | $0.4100 |
| Nov 8, 2023 | $0.4100 |
| Aug 16, 2023 | $0.4100 |
| May 17, 2023 | $0.4100 |
| Feb 15, 2023 | $0.4100 |
| Nov 9, 2022 | $0.4100 |
| Aug 17, 2022 | $0.4100 |
| May 18, 2022 | $0.3800 |
| Feb 16, 2022 | $0.3800 |
| Nov 9, 2021 | $0.3800 |
| Aug 11, 2021 | $0.3800 |
| May 12, 2021 | $0.3400 |
| Feb 17, 2021 | $0.3400 |
| Nov 10, 2020 | $0.3400 |
| Aug 12, 2020 | $0.3400 |