Zions Bancorporation, National Association (ZION) Financial Statements
Industry: National Commercial Banks
In fiscal 2025, Zions Bancorporation, National Association reported revenue of $3.38B, up 8.1% from $3.13B the year before. Net income was $899.0M (a 26.6% net margin), or $6.01 per diluted share. Net interest income was $2.63B, and the efficiency ratio (noninterest expense / revenue) was 63.2%. Operating activities generated $1.07B of cash, leaving $952.0M of free cash flow. At fiscal year end, Zions Bancorporation, National Association held $88.99B in total assets against $81.81B in total liabilities.
Open the full interactive Zions Bancorporation, National Association financials → Quarterly statements, key ratios, valuation history and price charts.
Zions Bancorporation, National Association Key Stats
| Share Price | $62.23 |
|---|---|
| Market Cap | $9.10B |
| P/E Ratio | 10.4 |
| Dividend Yield | 2.99% |
| Revenue YoY Growth | +8.2% |
| 52-Week Range | $45.54 – $72.82 |
| Shares Outstanding | 146.1 million (basic, 2026 Q2) |
Zions Bancorporation, National Association Income Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Net Interest Income | $2.22B | $2.21B | $2.52B | $2.44B | $2.43B | $2.63B |
| Provision for Credit Losses | $414.0M | -$276.0M | $122.0M | $132.0M | $72.0M | $72.0M |
| Noninterest Income | $574.0M | $703.0M | $632.0M | $677.0M | $700.0M | $758.0M |
| Noninterest Expense | $1.70B | $1.74B | $1.88B | $2.10B | $2.05B | $2.14B |
| Revenue | $2.79B | $2.91B | $3.15B | $3.12B | $3.13B | $3.38B |
| Pre-Tax Income | $672.0M | $1.45B | $1.15B | $886.0M | $1.01B | $1.18B |
| Income Tax | $133.0M | $317.0M | $245.0M | $206.0M | $228.0M | $276.0M |
| Net Income | $539.0M | $1.13B | $907.0M | $680.0M | $784.0M | $899.0M |
| Diluted EPS | $3.02 | $6.79 | $5.79 | $4.35 | $4.95 | $6.01 |
Zions Bancorporation, National Association Quarterly Results
| 2025 Q3 | 2025 Q4 | 2026 Q1 | 2026 Q2 | |
|---|---|---|---|---|
| Revenue | $861.0M | $891.0M | $849.0M | $1.14B |
| Net Income | $222.0M | $263.0M | $233.0M | $453.0M |
| Diluted EPS | $1.48 | $1.79 | $1.56 | $3.05 |
Zions Bancorporation, National Association Balance Sheet
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Loans (Net) | — | $50.34B | $55.08B | $57.09B | $58.71B | $60.24B |
| Total Assets | $81.48B | $93.20B | $89.55B | $87.20B | $88.78B | $88.99B |
| Deposits | $69.65B | $82.79B | $71.65B | $74.96B | $76.22B | $75.64B |
| Total Long-Term Debt | $1.34B | $1.01B | $651.0M | $542.0M | $950.0M | $1.47B |
| Total Liabilities | $73.59B | $85.74B | $84.65B | $81.51B | $82.65B | $81.81B |
| Shareholders' Equity | $7.89B | $7.46B | $4.89B | $5.69B | $6.12B | $7.18B |
Zions Bancorporation, National Association Cash Flow Statement
| FY 2020 | FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|---|
| Cash From Operations | $719.0M | $629.0M | $1.47B | $885.0M | $1.15B | $1.07B |
| Cash From Investing | -$12.20B | -$11.58B | $1.41B | $2.37B | -$1.64B | $738.0M |
| Cash From Financing | $11.32B | $11.00B | -$2.81B | -$3.20B | $427.0M | -$1.78B |
| Free Cash Flow | $548.0M | $423.0M | $1.28B | $772.0M | $1.05B | $952.0M |
| Dividends Paid | $259.0M | $261.0M | $269.0M | $282.0M | $289.0M | $267.0M |
Figures from Zions Bancorporation, National Association's 10-K and 10-Q filings with the SEC, as of 2026-10-14. Fiscal years follow the company's own reporting calendar. EPS and share counts are adjusted for later stock splits. See the full Zions Bancorporation, National Association financials page for every line item.
Zions Bancorporation, National Association Company Profile
| Ticker | ZION |
|---|---|
| Exchange | Nasdaq |
| Industry | National Commercial Banks |
| Headquarters | Salt Lake City, Utah |
| Incorporated in | Utah |
| Fiscal Year End | December 31 |
| SEC Filer Category | Large accelerated filer |
| SEC CIK | 0000109380 |
Frequently Asked Questions
What was Zions Bancorporation, National Association's revenue in fiscal 2025?
Zions Bancorporation, National Association (ZION) reported revenue of $3.38B for fiscal 2025.
What is Zions Bancorporation, National Association's annual revenue history?
Zions Bancorporation, National Association's annual revenue by fiscal year: 2020: $2.79B; 2021: $2.91B; 2022: $3.15B; 2023: $3.12B; 2024: $3.13B; 2025: $3.38B.
What was Zions Bancorporation, National Association's net income in fiscal 2025?
Zions Bancorporation, National Association reported net income of $899.0M for fiscal 2025.
What was Zions Bancorporation, National Association's earnings per share (EPS) in fiscal 2025?
Zions Bancorporation, National Association's diluted EPS was $6.01 for fiscal 2025 (adjusted for any later stock splits).
How much free cash flow did Zions Bancorporation, National Association generate in fiscal 2025?
Zions Bancorporation, National Association generated $952.0M of free cash flow in fiscal 2025.
What was Zions Bancorporation, National Association's revenue last quarter?
In its most recent reported quarter (2026 Q2), Zions Bancorporation, National Association reported revenue of $1.14B.
How much debt does Zions Bancorporation, National Association have?
Zions Bancorporation, National Association reported $1.47B of long-term debt, including the current portion, at the end of fiscal 2025.
How many shares of Zions Bancorporation, National Association are outstanding?
Zions Bancorporation, National Association reported a weighted average of 146.1 million basic shares outstanding in 2026 Q2.
What is Zions Bancorporation, National Association's market cap?
Based on its latest closing price, Zions Bancorporation, National Association (ZION) has a market capitalization of about $9.10B.
When does Zions Bancorporation, National Association's fiscal year end?
Zions Bancorporation, National Association's fiscal year end, as registered with the SEC, is December 31.
Where is Zions Bancorporation, National Association headquartered?
Zions Bancorporation, National Association lists its business address in Salt Lake City, Utah in its SEC filings.