ZION
$63.37+0.57%
as of close, Oct 16, 2026
☾ AH $63.37 +0.57%
Zions Bancorporation N.A.Stock · FinancialsNasdaq Composite 0.02%Russell 1000 0.01%Russell 3000 0.01%US Stock Market 0.01%
ZION financial statements
The full income statement, balance sheet, and cash-flow statement for Zions Bancorporation N.A. (ZION), plus valuation ratios — straight from SEC filings. Switch between annual, quarterly, and trailing-twelve-month figures, pick how far back to look, and flip the time order. Every line has a trend sparkline.
Shares outstanding (point-in-time)
2024-06 147.7M2024-09 147.7M2024-12 147.9M2025-03 147.6M2025-06 147.6M2025-09 147.6M2025-12 147.9M2026-03 147.1M2026-06 146.0M-1.2% over 8 periods
SEC-filed end-of-period counts (cover pages and balance sheets, split-adjusted) — the series realized buyback yield is computed from. The weighted-average share lines in the statements below lag these by design: an average over the year sits near the midpoint of an ongoing buyback.
As-reported fiscal years.
| Line item | Trend | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Income Statement | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 3.38B+8.1% | 3.13B+0.5% | 3.12B-1.2% | 3.15B+8.3% | 2.91B+4.3% | ||
| Lease income | 15.0M+15.4% | 13.0M-7.1% | 14.0M+0.0% | 14.0M+7.7% | 13.0M+8.3% | |
| Noninterest income | 758M+8.3% | 700M+3.4% | 677M+7.1% | 632M-10.1% | 703M+22.5% | |
| Noninterest expense | 2.14B+4.5% | 2.05B-2.4% | 2.10B+11.7% | 1.88B+7.9% | 1.74B+2.2% | |
| Interest expense | — | — | 1.51B+715.7% | 185M+213.6% | 59.0M-61.2% | |
| Interest & investment income | 4.18B-2.5% | 4.29B+8.8% | 3.95B+45.9% | 2.71B+19.3% | 2.27B-4.3% | |
| Net interest income | 2.63B+8.1% | 2.43B-0.3% | 2.44B-3.3% | 2.52B+14.1% | 2.21B-0.4% | |
| Income tax | 276M+21.1% | 228M+10.7% | 206M-15.9% | 245M-22.7% | 317M+138.3% | |
| 899M+14.7% | 784M+15.3% | 680M-25.0% | 907M-19.7% | 1.13B+109.5% | ||
| Preferred dividends | — | — | 32.0M+10.3% | 29.0M+0.0% | 29.0M-14.7% | |
| Net income to common | 895M+21.4% | 737M+13.7% | 648M-26.2% | 878M-20.2% | 1.10B+117.8% | |
| $6.01+21.4% | $4.95+13.8% | $4.35-24.9% | $5.79-14.7% | $6.79+124.8% | ||
| EPS (basic) | $6.01+21.4% | $4.95+13.8% | $4.35-25.0% | $5.80-14.7% | $6.80+122.2% | |
| Weighted-avg shares (basic) | 147M-0.1% | 147M-0.4% | 148M-1.5% | 150M-6.2% | 160M-2.3% | |
| Weighted-avg shares (diluted) | 147M-0.0% | 147M-0.4% | 148M-1.7% | 150M-6.2% | 160M-3.2% | |
| Dividends per share | $1.76+6.0% | $1.66+1.2% | $1.64+3.8% | $1.58+9.7% | $1.44+5.9% | |
| Balance Sheet | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Cash & equivalents | 683M+4.9% | 651M-9.1% | 716M+9.0% | 657M+10.4% | 595M+9.6% | |
| 88.7B-0.1% | 88.8B+1.8% | 87.2B-2.6% | 89.5B-3.9% | 93.2B+14.4% | ||
| Property, plant & equipment | — | — | — | — | 1.32B+9.1% | |
| Operating lease right-of-use | 207M+10.1% | 188M+9.3% | 172M-0.6% | 173M-11.3% | 195M-8.5% | |
| Goodwill | 1.06B+3.2% | 1.03B+0.0% | 1.03B+0.0% | 1.03B+1.3% | 1.01B+0.0% | |
| Intangible assets | 31.0M+24.0% | 25.0M-21.9% | 32.0M-15.8% | 38.0M+3700.0% | 1.00M-50.0% | |
| Short-term & current debt | 3.10B-19.0% | 3.83B-12.5% | 4.38B-58.0% | 10.4B+1053.6% | 903M-42.6% | |
| 81.5B-1.4% | 82.7B+1.4% | 81.5B-3.7% | 84.7B-1.3% | 85.7B+16.5% | ||
| Long-term debt | 1.47B+55.6% | 946M+74.5% | 542M-16.7% | 651M-35.7% | 1.01B-24.3% | |
| Operating lease liability (total) | 257M+7.1% | 240M+21.2% | 198M+0.0% | 198M-10.8% | 222M-7.5% | |
| Finance lease liability (total) | 4.00M+0.0% | 4.00M+0.0% | 4.00M+0.0% | 4.00M+0.0% | 4.00M+0.0% | |
| 7.18B+17.2% | 6.12B+7.6% | 5.69B+16.3% | 4.89B-34.4% | 7.46B-5.4% | ||
| Preferred stock | 66.0M+0.0% | 66.0M-85.0% | 440M+0.0% | 440M+0.0% | 440M-22.3% | |
| Additional paid-in capital | — | — | 1.73B-1.3% | 1.75B-9.0% | 1.93B-28.2% | |
| Retained earnings | 7.33B+9.4% | 6.70B+7.9% | 6.21B+6.9% | 5.81B+12.3% | 5.17B+20.1% | |
| Accumulated other comprehensive income | -1.94B+18.4% | -2.38B+11.6% | -2.69B+13.5% | -3.11B-3790.0% | -80.0M-124.6% | |
| Total liabilities & equity | 88.7B-0.1% | 88.8B+1.8% | 87.2B-2.6% | 89.5B-3.9% | 93.2B+14.4% | |
| Common shares issued | 148M-0.1% | 148M-0.2% | 148M-0.3% | 149M-2.0% | 152M-7.6% | |
| Common shares outstanding | 148M-0.1% | 148M-0.2% | 148M-0.3% | 149M-2.0% | 152M-7.6% | |
| Shares outstanding (cover) | 148M-0.0% | 148M-0.2% | 148M-0.3% | 149M-1.9% | 152M-7.7% | |
| Cash Flow | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| 1.07B-6.5% | 1.15B+29.7% | 885M-39.8% | 1.47B+133.7% | 629M-12.5% | ||
| Depreciation & amortization | 116M-6.5% | 124M-11.4% | 140M+27.3% | 110M+885.7% | -14.0M-116.3% | |
| Share-based compensation | 35.0M+6.1% | 33.0M+0.0% | 33.0M+10.0% | 30.0M+7.1% | 28.0M+7.7% | |
| Deferred income taxes | 47.0M+771.4% | -7.00M+22.2% | -9.00M+79.1% | -43.0M-234.4% | 32.0M+155.2% | |
| 738M+145.0% | -1.64B-169.2% | 2.37B+68.7% | 1.41B+112.1% | -11.6B+5.1% | ||
| Capital expenditure | 121M+24.7% | 97.0M-14.2% | 113M-40.5% | 190M-7.8% | 206M+20.5% | |
| Free cash flow | 952M-9.4% | 1.05B+36.1% | 772M-39.7% | 1.28B+202.6% | 423M-22.8% | |
| Acquisitions | -191M | 0.00 | 0.00+100.0% | -318M | 0.00 | |
| Sales/maturities of investments | 1.59B-21.8% | 2.03B-13.2% | 2.34B-29.4% | 3.31B-30.3% | 4.75B+9.4% | |
| Other investing activities | 19.0M+258.3% | -12.0M-180.0% | 15.0M+155.6% | -27.0M+12.9% | -31.0M+26.2% | |
| -1.78B-516.6% | 427M+113.4% | -3.20B-13.6% | -2.81B-125.6% | 11.0B-2.8% | ||
| Long-term debt issued | 498M+0.4% | 496M | 0.00 | 0.00 | 0.00 | |
| Long-term debt repaid | 0.00-100.0% | 88.0M-31.3% | 128M-55.9% | 290M+1.4% | 286M-33.3% | |
| Net short-term debt | -728M-33.1% | -547M+90.9% | -6.04B-163.5% | 9.51B+1522.1% | -669M-39.1% | |
| Common stock issued | 6.00M-40.0% | 10.0M+233.3% | 3.00M-66.7% | 9.00M-57.1% | 21.0M+162.5% | |
| Common stock repurchased | 41.0M+13.9% | 36.0M-29.4% | 51.0M-74.8% | 202M-74.8% | 800M+952.6% | |
| Dividends paid | 267M-7.6% | 289M+2.5% | 282M+4.8% | 269M+3.1% | 261M+0.8% | |
| Other financing activities | -11.0M-57.1% | -7.00M+22.2% | -9.00M-12.5% | -8.00M+38.5% | -13.0M-62.5% | |
| Net change in cash | 32.0M+149.2% | -65.0M-210.2% | 59.0M-4.8% | 62.0M+19.2% | 52.0M+132.1% | |
| Interest paid | 1.57B-17.7% | 1.91B+39.3% | 1.37B+755.0% | 160M+97.5% | 81.0M-58.5% | |
| Income taxes paid | 196M+2.1% | 192M-24.7% | 255M+1114.3% | 21.0M-95.2% | 442M+161.5% | |
| Valuation Ratios | as ofDec 31 ’25 | as ofDec 31 ’24 | as ofDec 31 ’23 | as ofDec 31 ’22 | as ofDec 31 ’21 | |
| Market cap | 8.66B+7.9% | 8.02B+23.4% | 6.50B-11.6% | 7.36B-23.2% | 9.57B+34.2% | |
| P/E | 9.6×-5.9% | 10.2×+31.9% | 7.8×-11.8% | 8.8×+3.8% | 8.5×-35.9% | |
| P/S | 2.6×-0.2% | 2.6×+28.5% | 2.0×-18.0% | 2.4×-26.0% | 3.3×+28.6% | |
| P/B | 1.2×-8.0% | 1.3×+7.1% | 1.2×-21.9% | 1.6×+22.1% | 1.3×+41.8% | |
| P/FCF | 9.1×+19.1% | 7.6×+76.7% | 4.3×-45.1% | 7.9×-65.2% | 22.6×+73.9% | |
| Earnings yield | 10.4%+6.3% | 9.8%-24.2% | 12.9%+13.4% | 11.4%-3.6% | 11.8%+56.1% | |
| FCF yield | 11.0%-16.1% | 13.1%-43.4% | 23.1%+82.0% | 12.7%+187.7% | 4.4%-42.5% | |
| Dividend yield | 3.0%-1.7% | 3.1%-18.1% | 3.7%+16.3% | 3.2%+41.0% | 2.3%-27.2% | |
| Source filing | 10-K | 10-K | 10-K | 10-K | 10-K |
About this data
Source: ZION’s SEC filings (10-K / 10-Q). Annual columns are as-reported fiscal years; quarterly columns are as-reported fiscal quarters (Q4 derived as full-year minus the first three quarters where a company doesn’t file a standalone Q4); TTM (quarterly) rolls the trailing four quarters at every quarter end, TTM (yearly) samples that one year apart; balance-sheet rows show the period-end balance. Valuation ratios are sampled as of each period end. View all ZION filings on SEC EDGAR → Not investment advice.