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.

Price · ZION

1Y 3Y 5Y Max

Annual Quarterly

Income Statement

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$662.00M	$639.00M	$3.12B	$3.15B	$2.91B	$2.79B
Cost of Revenue	-	-	-	-	-	-
Gross Profit	-	-	-	-	-	-
R&D	-	-	-	-	-	-
SG&A	-	-	-	-	-	-
Total Operating Expenses	-	-	-	-	-	-
D&A	$116.00M	$124.00M	$140.00M	$110.00M	($14.00M)	$86.00M
Operating Income	-	-	-	-	-	-
Interest Expense	-	-	$1.51B	$185.00M	$59.00M	$152.00M
Income Tax	$276.00M	$228.00M	$206.00M	$245.00M	$317.00M	$133.00M
Net Income	$899.00M	$784.00M	$680.00M	$907.00M	$1.13B	$539.00M
EPS - Basic	$6.01	$4.95	$4.35	$5.80	$6.80	$3.06
EPS - Diluted	$6.01	$4.95	$4.35	$5.79	$6.79	$3.02

Balance Sheet

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Cash & Equivalents	$683.00M	$651.00M	$716.00M	$657.00M	$595.00M	$543.00M
Accounts Receivable	-	-	-	-	-	-
Inventory	-	-	-	-	-	-
Accounts Payable	-	-	-	-	-	-
Current Assets	-	-	-	-	-	-
Total Assets	$88.99B	$88.78B	$87.20B	$89.55B	$93.20B	$81.48B
Current Liabilities	-	-	-	-	-	-
Long-term Debt	-	$946.00M	$542.00M	$651.00M	$1.01B	$1.34B
Total Liabilities	$81.81B	$82.65B	$81.51B	$84.65B	$85.74B	$73.59B
Stockholders' Equity	$7.18B	$6.12B	$5.69B	$4.89B	$7.46B	$7.89B
Retained Earnings	$7.33B	$6.70B	$6.21B	$5.81B	$5.17B	$4.31B

Cash Flow

Line item	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Operating Cash Flow	$1.07B	$1.15B	$885.00M	$1.47B	$629.00M	$719.00M
Investing Cash Flow	$738.00M	($1.64B)	$2.37B	$1.41B	($11.58B)	($12.20B)
Financing Cash Flow	($1.78B)	$427.00M	($3.20B)	($2.81B)	$11.00B	$11.32B
CapEx	$121.00M	$97.00M	$113.00M	$190.00M	$206.00M	$171.00M
Free Cash Flow	$952.00M	$1.05B	$772.00M	$1.28B	$423.00M	$548.00M

Ratios

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Profitability
Gross margin	-	-	-	-	-	-
Operating margin	-	-	-	-	-	-
EBITDA margin	-	-	-	-	-	-
Net margin	135.8%	122.7%	21.8%	28.8%	38.8%	19.3%
Free cash flow margin	143.8%	164.5%	24.8%	40.6%	14.5%	19.6%
FCF / Net income	1.06	1.34	1.14	1.41	0.37	1.02
R&D / Revenue	-	-	-	-	-	-
SG&A / Revenue	-	-	-	-	-	-
Effective tax rate	23.5%	22.5%	23.3%	21.3%	21.9%	19.8%
Return on assets	1.0%	0.9%	0.8%	1.0%	1.2%	0.7%
Return on equity	12.5%	12.8%	11.9%	18.5%	15.1%	6.8%
Return on invested capital	-	-	-	-	-	-
Liquidity
Current ratio	-	-	-	-	-	-
Quick ratio	-	-	-	-	-	-
Cash ratio	-	-	-	-	-	-
Leverage
Debt / Equity	-	0.15	0.10	0.13	0.14	0.17
Debt / Assets	-	0.01	0.01	0.01	0.01	0.02
Debt / EBITDA	-	-	-	-	-	-
Interest coverage	-	-	-	-	-	-
Equity multiplier	12.39	14.50	15.32	18.30	12.49	10.33
Liabilities / Assets	0.92	0.93	0.93	0.95	0.92	0.90
Efficiency
Asset turnover	0.01	0.01	0.04	0.04	0.03	0.03
Inventory turnover	-	-	-	-	-	-
Days sales outstanding	-	-	-	-	-	-
Days inventory outstanding	-	-	-	-	-	-
Days payable outstanding	-	-	-	-	-	-
Cash conversion cycle	-	-	-	-	-	-
Valuation
P / E	9.7x	11.0x	10.1x	8.5x	9.3x	14.4x
P / B	1.2x	1.3x	1.1x	1.5x	1.4x	0.9x
P / S	13.0x	12.5x	2.1x	2.3x	3.5x	2.6x
EV / EBITDA	-	-	-	-	-	-
Growth
Revenue growth (YoY)	3.6%	-79.5%	-1.2%	8.3%	4.3%	-
Revenue CAGR (3y)	-40.6%	-39.7%	3.7%	-	-	-
Revenue CAGR (5y)	-25.0%	-	-	-	-	-
Gross profit growth (YoY)	-	-	-	-	-	-
Operating income growth (YoY)	-	-	-	-	-	-
Net income growth (YoY)	14.7%	15.3%	-25.0%	-19.7%	109.5%	-31.1%
EPS growth (YoY)	21.4%	13.8%	-24.9%	-14.7%	124.8%	-27.4%
EPS CAGR (3y)	1.3%	-10.0%	12.9%	11.7%	18.5%	5.1%
EPS CAGR (5y)	14.8%	3.5%	1.3%	17.4%	27.8%	20.3%
FCF growth (YoY)	-9.4%	36.1%	-39.7%	202.6%	-22.8%	-5.5%
FCF CAGR (5y)	11.7%	12.6%	-5.9%	11.0%	1.1%	7.7%
Book value growth (YoY)	17.2%	7.6%	16.3%	-34.4%	-5.4%	7.2%

Sales by segment

From XBRL dimensional facts in the 10-K period ending 2025-12-31.

Business segments

$494.00M total

Zions 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 total

Products 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%

Stability scores

Piotroski F-score

FY 2025 · 9-point quality

6/9

Neutral

✓Net income positive
✓Operating cash flow positive
✓ROA improved YoY
✓Cash flow > net income
-Long-term debt decreased
-Current ratio improved
✓No share dilution
-Gross margin improved
✓Asset turnover improved

Peer comparison

Same SIC group: National Commercial Banks

Company	Revenue (last FY)	Net margin	ROE
HBAN	-	-	-
UMBF	-	-	9.1%
JPM	$182.45B	31.3%	15.7%
SFNC	$5.63M	-7060.1%	-11.6%
BAC	$113.10B	27.0%	10.1%

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