Zions Bancorporation N.A. financials
$62.61−0.92%
Close Sep 29, 2026 · split-adjustedRevenue
Net income
Income statement & cash flow
| Fiscal year | FY25 Dec 31 | FY24 Dec 31 | FY23 Dec 31 | FY22 Dec 31 | FY21 Dec 31 | FY20 Dec 31 | FY19 Dec 31 | FY18 Dec 31 | FY17 Dec 31 | FY16 Dec 31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $4.94B | $4.99B | $4.62B | $3.34B | $2.97B | $2.94B | $3.25B | $3.03B | $2.74B | $2.47B |
| Gross profit | $3.38B | $3.13B | $3.12B | $3.15B | $2.91B | $2.79B | $2.83B | $2.78B | $2.61B | $2.38B |
| Gross margin | 68.5% | 62.7% | 67.4% | 94.5% | 98.0% | 94.8% | 87.3% | 91.7% | 95.4% | 96.5% |
| Operating income | $1.18B | $1.01B | $886.0M | $1.15B | $1.45B | $672.0M | $1.05B | $1.14B | $936.0M | $705.0M |
| Net income | $884.0M | $729.0M | $642.0M | $878.0M | $1.09B | $501.0M | $776.0M | $843.0M | $545.0M | $407.0M |
| Net margin | 17.9% | 14.6% | 13.9% | 26.3% | 36.6% | 17.0% | 23.9% | 27.8% | 19.9% | 16.5% |
| Diluted EPS | $6.01 | $4.95 | $4.35 | $5.79 | $6.79 | $3.02 | $4.16 | $4.08 | $2.60 | $1.99 |
| EBITDA | $1.18B | $1.01B | $886.0M | $1.15B | $1.45B | $672.0M | $1.05B | $1.14B | $936.0M | $705.0M |
| Operating cash flow | $1.07B | $1.15B | $885.0M | $1.47B | $629.0M | $719.0M | $697.0M | $1.18B | $928.0M | $596.0M |
| Free cash flow | $952.0M | $1.05B | $772.0M | $1.28B | $423.0M | $548.0M | $580.0M | $1.05B | $759.0M | $400.0M |
| Diluted shares | 147.2M | 147.2M | 147.8M | 150.3M | 160.2M | 165.6M | 186.5M | 206.5M | 209.7M | 204.3M |
Balance sheet
| Period end | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 | Dec 31 |
|---|---|---|---|---|---|---|
| Cash & equivalents | $683.0M | $651.0M | $716.0M | $657.0M | $595.0M | $543.0M |
| Short-term investments | $22.84B | $24.12B | $24.11B | $28.40B | $38.13B | $24.29B |
| Total debt | $1.47B | $950.0M | $542.0M | $651.0M | $1.01B | $1.34B |
| Total assets | $88.69B | $88.78B | $87.20B | $89.55B | $93.20B | $81.48B |
| Total liabilities | $81.51B | $82.65B | $81.51B | $84.65B | $85.74B | $73.59B |
| Shareholders' equity | $7.18B | $6.12B | $5.69B | $4.89B | $7.46B | $7.89B |
From SEC filings via Massive. Fiscal periods follow the company's own calendar; free cash flow is operating cash flow minus capital expenditure.
Sources: Massive / Polygon daily aggregates (split-adjusted) · SEC filings via Massive · FINRA settlements via Massive · Financial Modeling Prep. Figures are dated where shown; research is informational, not investment advice. Methodology