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Zions Bancorporation, National Association (ZION) Financials

Zions Bancorporation, National Association logo
$46.93 -0.78 (-1.63%)
Closing price 05/28/2025 04:00 PM Eastern
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$47.61 +0.68 (+1.45%)
As of 05/28/2025 07:40 PM Eastern
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Annual Income Statements for Zions Bancorporation, National Association

Annual Income Statements for Zions Bancorporation, National Association

This table shows Zions Bancorporation, National Association's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Income / (Loss) Attributable to Common Shareholders		 737 648 878 1,100 505 782 850 550 411 247
Consolidated Net Income / (Loss)		 784 680 907 1,129 539 816 884 592 469 309
Net Income / (Loss) Continuing Operations		 784 664 907 1,129 539 816 884 592 469 309
Total Pre-Tax Income 		1,012 886 1,152 1,446 672 1,053 1,143 936 705 451
Total Revenue		 3,130 3,115 3,152 2,911 2,790 2,834 2,782 2,609 2,383 2,072
Net Interest Income / (Expense)		 2,430 2,438 2,520 2,208 2,216 2,272 2,230 2,065 1,867 1,715
Total Interest Income		 4,293 3,947 2,705 2,267 2,368 2,683 2,481 2,192 1,954 1,833
Loans and Leases Interest Income		 3,514 3,196 2,112 1,935 2,050 2,289 2,102 1,847 1,729 1,686
Investment Securities Interest Income		 549 563 512 311 304 362 350 326 204 124
Deposits and Money Market Investments Interest Income		 230 188 81 21 14 32 29 19 21 23
Total Interest Expense		 1,863 1,509 185 59 152 411 251 127 87 118
Deposits Interest Expense		 1,540 1,063 70 30 105 254 135 59 49 49
Long-Term Debt Interest Expense		 323 446 115 29 47 157 116 68 38 69
Total Non-Interest Income		 700 677 632 703 574 562 552 544 516 357
Trust Fees by Commissions		 58 58 55 50 44 40 55 47 59 57
Other Service Charges		 514 496 486 451 437 407 317 316 391 366
Net Realized & Unrealized Capital Gains on Investments		 61 57 18 85 1.00 -6.00 0.00 63 42 -96
Investment Banking Income		 67 66 73 117 24 121 44 118 24 30
Provision for Credit Losses		 72 148 101 -258 414 37 -39 17 93 40
Total Non-Interest Expense		 2,046 2,097 1,878 1,741 1,704 1,742 1,679 1,656 1,585 1,581
Salaries and Employee Benefits		 1,287 1,275 1,235 1,127 1,087 1,141 1,070 1,006 978 973
Net Occupancy & Equipment Expense		 421 400 361 352 343 268 258 259 250 243
Marketing Expense		 45 46 39 43 61 19 26 22 22 25
Property & Liability Insurance Claims		 91 169 50 34 33 25 50 53 40 34
Other Operating Expenses		 202 191 214 167 179 291 274 311 299 298
Income Tax Expense		 228 206 245 317 133 237 259 344 236 142
Preferred Stock Dividends Declared		 47 32 29 29 34 34 34 42 58 62
Basic Earnings per Share		 $4.95 $4.35 $5.80 $6.80 $3.06 $4.41 $4.36 $2.71 $2.00 $1.20
Weighted Average Basic Shares Outstanding		 147.21M 147.75M 150.06M 159.91M 163.74M 175.98M 193.59M 200.78M 203.86M 203.27M
Diluted Earnings per Share		 $4.95 $4.35 $5.79 $6.79 $3.02 $4.16 $4.08 $2.60 $1.99 $1.20
Weighted Average Diluted Shares Outstanding		 147.22M 147.76M 150.27M 160.23M 165.61M 186.50M 206.50M 209.65M 204.27M 203.70M
Weighted Average Basic & Diluted Shares Outstanding		 147.89M 148.16M 148.65M 151.57M 164.21M 164.92M 195M 203M 205.70M 205.50M
Cash Dividends to Common per Share		 $1.66 $1.64 $1.58 $1.44 $1.36 $1.28 $1.04 - $0.00 $0.00

Quarterly Income Statements for Zions Bancorporation, National Association

This table shows Zions Bancorporation, National Association's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Income / (Loss) Attributable to Common Shareholders		 169 200 204 190 143 116 168 166 198 277 211
Consolidated Net Income / (Loss)		 170 216 214 201 153 126 175 175 204 284 217
Net Income / (Loss) Continuing Operations		 170 216 214 201 153 110 175 175 204 284 217
Total Pre-Tax Income 		239 270 277 262 203 150 228 226 282 359 278
Total Revenue		 795 820 792 776 742 731 765 780 839 873 828
Net Interest Income / (Expense)		 624 627 620 597 586 583 585 591 679 720 663
Total Interest Income		 1,028 1,062 1,104 1,073 1,054 1,040 1,010 977 920 835 707
Loans and Leases Interest Income		 850 873 899 877 865 848 831 791 726 656 551
Investment Securities Interest Income		 125 129 138 140 142 144 144 138 137 140 132
Deposits and Money Market Investments Interest Income		 53 60 67 56 47 48 35 48 57 39 24
Total Interest Expense		 404 435 484 476 468 457 425 386 241 115 44
Deposits Interest Expense		 326 371 403 390 376 395 366 220 82 38 19
Long-Term Debt Interest Expense		 78 64 81 86 92 62 59 166 159 77 25
Total Non-Interest Income		 171 193 172 179 156 148 180 189 160 153 165
Trust Fees by Commissions		 15 14 14 15 15 14 15 14 15 14 14
Other Service Charges		 126 142 129 123 120 119 125 132 120 123 125
Net Realized & Unrealized Capital Gains on Investments		 13 20 11 25 5.00 -2.00 23 27 9.00 8.00 10
Investment Banking Income		 17 - - - - - - 16 - - -
Provision for Credit Losses		 17 41 13 5.00 13 16 41 46 45 22 71
Total Non-Interest Expense		 538 509 502 509 526 581 496 508 512 471 479
Salaries and Employee Benefits		 342 321 317 318 331 301 311 324 339 304 312
Net Occupancy & Equipment Expense		 111 108 106 106 101 103 104 98 95 91 91
Marketing Expense		 11 10 12 13 10 11 10 13 12 11 11
Property & Liability Insurance Claims		 22 17 19 21 34 109 20 22 18 14 13
Other Operating Expenses		 52 53 48 51 50 41 51 51 48 72 52
Income Tax Expense		 69 54 63 61 50 24 53 51 78 75 61
Preferred Stock Dividends Declared		 1.00 16 10 11 10 10 7.00 9.00 6.00 7.00 6.00
Basic Earnings per Share		 $1.13 $1.34 $1.37 $1.28 $0.96 $0.78 $1.13 $1.11 $1.33 $1.84 $1.40
Weighted Average Basic Shares Outstanding		 147.32M 147.21M 147.14M 147.12M 147.34M 147.75M 147.65M 147.69M 148.02M 150.06M 149.63M
Diluted Earnings per Share		 $1.13 $1.34 $1.37 $1.28 $0.96 $0.78 $1.13 $1.11 $1.33 $1.83 $1.40
Weighted Average Diluted Shares Outstanding		 147.39M 147.22M 147.15M 147.12M 147.34M 147.76M 147.65M 147.70M 148.04M 150.27M 149.79M
Weighted Average Basic & Diluted Shares Outstanding		 147.57M 147.89M 147.71M 147.70M 147.65M 148.16M 148.15M 148.15M 148.10M 148.65M 149.62M
Cash Dividends to Common per Share		 $0.43 $0.43 $0.41 $0.41 $0.41 $0.41 $0.41 $0.41 $0.41 $0.41 $0.41

Annual Cash Flow Statements for Zions Bancorporation, National Association

This table details how cash moves in and out of Zions Bancorporation, National Association's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Net Change in Cash & Equivalents		 -65 59 62 52 -162 91 66 -189 -61 -44
Net Cash From Operating Activities		 1,148 885 1,470 629 719 697 1,176 928 596 464
Net Cash From Continuing Operating Activities		 1,148 885 1,470 629 719 697 1,176 928 596 337
Net Income / (Loss) Continuing Operations		 784 680 907 1,129 539 816 884 592 469 309
Consolidated Net Income / (Loss)		 784 680 907 1,129 539 816 884 592 469 309
Provision For Loan Losses		 72 132 122 -276 414 39 -40 17 83 34
Depreciation Expense		 124 140 110 -14 86 188 193 179 123 86
Non-Cash Adjustments to Reconcile Net Income		 -9.00 81 -59 -52 -61 7.00 0.00 136 -4.00 -35
Changes in Operating Assets and Liabilities, net		 177 -148 390 -158 -259 -353 139 4.00 -75 -57
Net Cash From Investing Activities		 -1,640 2,370 1,405 -11,579 -12,204 375 -2,706 -3,919 -3,436 -2,579
Net Cash From Continuing Investing Activities		 -1,640 2,370 1,405 -11,579 -12,204 375 -2,706 -3,919 -3,436 -2,579
Purchase of Property, Leasehold Improvements and Equipment		 -97 -113 -190 -206 -171 -117 -129 -169 -196 -157
Purchase of Investment Securities		 -2,729 -2,627 -10,836 -11,032 -11,189 -3,858 -6,019 -7,175 -11,897 -6,106
Sale and/or Maturity of Investments		 1,186 5,110 12,431 -341 -844 4,350 3,436 3,425 8,657 3,684
Net Cash From Financing Activities		 427 -3,196 -2,813 11,002 11,323 -981 1,596 2,802 2,779 2,071
Net Cash From Continuing Financing Activities		 427 -3,196 -2,813 11,002 11,323 -981 1,596 2,802 2,779 2,071
Net Change in Deposits		 1,262 3,309 -11,567 13,136 12,568 2,984 1,484 -614 2,883 2,526
Issuance of Debt		 -51 -6,038 9,514 -669 -481 992 3,174 7,249 480 103
Issuance of Common Equity		 10 3.00 9.00 21 8.00 14 20 25 25 22
Repayment of Debt		 -88 -128 -290 -286 -429 -3,600 -2,174 -3,253 -280 -288
Repurchase of Preferred Equity		 -374 0.00 0.00 -126 0.00 0.00 - -144 -126 -176
Repurchase of Common Equity		 -36 -51 -202 -800 -76 -1,102 -672 -321 -97 -7.00
Payment of Dividends		 -289 -282 -269 -261 -259 -260 -236 -129 -108 -108
Other Financing Activities, Net		 -7.00 -9.00 -8.00 -13 -8.00 -9.00 - -11 2.00 -1.00
Cash Interest Paid		 1,905 1,368 160 81 195 401 237 118 83 102
Cash Income Taxes Paid		 192 255 21 442 169 233 207 246 214 132

Quarterly Cash Flow Statements for Zions Bancorporation, National Association

This table details how cash moves in and out of Zions Bancorporation, National Association's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Net Change in Cash & Equivalents		 182 -463 397 8.00 -7.00 16 -1.00 94 -50 108 -10
Net Cash From Operating Activities		 179 517 119 251 261 -245 311 598 221 494 172
Net Cash From Continuing Operating Activities		 179 517 119 251 261 -245 311 598 221 494 172
Net Income / (Loss) Continuing Operations		 170 216 214 201 153 126 175 175 204 284 217
Consolidated Net Income / (Loss)		 170 216 214 201 153 126 175 175 204 284 217
Provision For Loan Losses		 18 41 13 5.00 13 - 41 46 45 43 71
Depreciation Expense		 28 29 32 31 32 32 36 36 36 31 34
Non-Cash Adjustments to Reconcile Net Income		 33 -16 -20 -7.00 34 -17 30 49 19 -79 -32
Changes in Operating Assets and Liabilities, net		 -70 247 -120 21 29 -386 29 292 -83 215 -118
Net Cash From Investing Activities		 1,661 -2,366 1,133 -460 53 738 -148 1,189 591 -549 -1,343
Net Cash From Continuing Investing Activities		 1,661 -2,366 1,133 -460 53 738 -148 1,189 591 -549 -1,343
Purchase of Property, Leasehold Improvements and Equipment		 -27 -28 -22 -17 -30 -29 -31 -22 -31 -36 -52
Purchase of Investment Securities		 -470 -1,030 -566 -655 -478 -1,069 -101 -534 -923 -1,602 -1,764
Sale and/or Maturity of Investments		 2,158 -1,308 1,721 212 561 1,836 -16 1,745 1,545 1,089 473
Net Cash From Financing Activities		 -1,658 1,386 -855 217 -321 -477 -164 -1,693 -862 163 1,161
Net Cash From Continuing Financing Activities		 -1,658 1,386 -855 217 -321 -477 -164 -1,693 -862 163 1,161
Net Change in Deposits		 -1,188 505 1,948 -467 -724 -438 1,076 5,116 -2,445 -4,773 -3,066
Issuance of Debt		 -356 1,409 -2,731 755 516 33 -1,167 -6,611 1,707 5,053 4,346
Issuance of Common Equity		 4.00 9.00 1.00 - 0.00 1.00 - - 2.00 1.00 -
Repurchase of Common Equity		 -41 -1.00 - - -35 -1.00 - - -50 -51 -50
Payment of Dividends		 -66 -74 -72 -72 -71 -71 -73 -69 -69 -69 -70
Other Financing Activities, Net		 -11 - -1.00 1.00 -7.00 -1.00 - -1.00 -7.00 2.00 1.00
Cash Interest Paid		 423 482 483 449 491 455 367 322 224 97 32
Cash Income Taxes Paid		 1.00 61 41 90 0.00 22 2.00 231 0.00 16 1.00

Annual Balance Sheets for Zions Bancorporation, National Association

This table presents Zions Bancorporation, National Association's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Total Assets		 88,775 87,203 89,545 93,200 81,479 69,172 68,746 66,288 63,239 59,665
Cash and Due from Banks		 651 716 657 595 543 705 614 548 737 798
Federal Funds Sold		 1,453 937 2,426 2,133 5,765 484 1,461 514 568 620
Interest Bearing Deposits at Other Banks		 2,850 1,488 1,340 10,283 1,074 743 619 782 1,411 6,108
Trading Account Securities		 18,799 20,730 23,514 24,944 16,714 14,628 15,710 16,123 14,527 8,387
Loans and Leases, Net of Allowance		 58,714 57,095 55,078 50,338 52,699 -495 46,219 44,262 42,082 40,043
Loans and Leases		 59,410 57,779 55,653 50,851 53,476 - 46,714 44,780 42,649 40,650
Allowance for Loan and Lease Losses		 696 684 575 513 777 495 495 518 567 606
Loans Held for Sale		 74 53 - - - - - - - -
Premises and Equipment, Net		 1,366 1,400 1,408 1,319 1,209 1,142 1,124 1,094 1,020 905
Intangible Assets		 1,052 1,059 1,065 1,015 1,016 1,014 1,015 - - 16
Other Assets		 3,816 3,725 4,057 2,573 2,459 50,951 1,984 1,945 1,868 1,772
Total Liabilities & Shareholders' Equity		 88,775 87,203 89,545 93,200 81,479 69,172 68,746 66,288 63,239 59,665
Total Liabilities		 82,651 81,512 84,652 85,737 73,593 61,819 61,168 58,609 55,605 52,157
Non-Interest Bearing Deposits		 24,704 26,244 71,652 82,789 32,494 23,576 23,645 52,621 53,236 22,277
Interest Bearing Deposits		 51,519 48,717 - - 37,159 33,509 30,456 - - 28,097
Federal Funds Purchased and Securities Sold		 3,832 4,379 10,417 903 1,572 2,053 5,653 4,976 827 347
Long-Term Debt		 950 542 651 1,012 1,336 1,723 724 383 535 812
Other Long-Term Liabilities		 1,646 1,630 1,932 1,033 1,032 958 690 629 1,007 624
Total Equity & Noncontrolling Interests		 6,124 5,691 4,893 7,463 7,886 7,353 7,578 7,679 7,634 7,508
Total Preferred & Common Equity		 6,124 5,691 4,893 7,463 7,886 7,353 7,578 7,679 7,634 7,508
Preferred Stock		 66 440 440 440 566 566 566 566 710 828
Total Common Equity		 6,058 5,251 4,453 7,023 7,320 6,787 7,012 7,113 6,924 6,679
Common Stock		 1,737 1,731 1,754 1,928 2,686 2,735 3,806 4,445 4,725 4,767
Retained Earnings		 6,701 6,212 5,811 5,175 4,309 4,009 3,456 2,807 2,321 1,967
Accumulated Other Comprehensive Income / (Loss)		 -2,380 -2,692 -3,112 -80 325 43 -250 -139 -122 -55

Quarterly Balance Sheets for Zions Bancorporation, National Association

This table presents Zions Bancorporation, National Association's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

Metric Q1 2025 Q3 2024 Q2 2024 Q1 2024 Q3 2023 Q2 2023 Q1 2023 Q3 2022
Period end date 3/31/2025 9/30/2024 6/30/2024 3/31/2024 9/30/2023 6/30/2023 3/31/2023 9/30/2022
Total Assets		 87,992 87,032 87,606 87,060 87,269 87,230 88,573 88,474
Cash and Due from Banks		 833 1,114 717 709 700 701 607 549
Federal Funds Sold		 936 986 936 894 1,427 781 688 2,797
Interest Bearing Deposits at Other Banks		 1,980 1,253 2,276 1,688 1,704 1,531 2,727 1,291
Trading Account Securities		 18,768 19,420 19,684 20,211 20,779 21,653 22,572 23,784
Loans and Leases, Net of Allowance		 59,244 58,190 57,719 57,410 56,212 56,266 55,713 53,377
Loans and Leases		 59,941 58,884 58,415 58,109 56,893 56,917 56,331 53,918
Allowance for Loan and Lease Losses		 697 694 696 699 681 651 618 541
Loans Held for Sale		 112 97 - - - - - -
Premises and Equipment, Net		 1,362 1,372 1,383 1,396 1,410 1,414 1,411 1,388
Intangible Assets		 1,104 1,053 1,055 1,057 1,060 1,062 1,063 1,034
Other Assets		 3,653 3,547 3,836 3,695 3,977 3,822 3,792 3,831
Total Liabilities & Shareholders' Equity		 87,992 87,032 87,606 87,060 87,269 87,230 88,573 88,474
Total Liabilities		 81,665 80,647 81,581 81,231 81,954 81,947 83,389 83,778
Non-Interest Bearing Deposits		 24,792 24,973 73,770 74,237 75,399 74,323 69,208 39,133
Interest Bearing Deposits		 50,900 50,745 - - - - - 36,862
Federal Funds Purchased and Securities Sold		 3,476 2,919 5,651 4,895 4,346 5,513 12,124 5,363
Long-Term Debt		 964 548 546 544 540 538 663 647
Other Long-Term Liabilities		 1,533 1,462 1,614 1,555 1,669 1,513 1,394 1,773
Total Equity & Noncontrolling Interests		 6,327 6,385 6,025 5,829 5,315 5,283 5,184 4,696
Total Preferred & Common Equity		 6,327 6,385 6,025 5,829 5,315 5,283 5,184 4,696
Preferred Stock		 66 440 440 440 440 440 440 440
Total Common Equity		 6,261 5,945 5,585 5,389 4,875 4,843 4,744 4,256
Common Stock		 1,706 1,717 1,713 1,705 1,726 1,722 1,715 1,799
Retained Earnings		 6,805 6,564 6,421 6,293 6,157 6,051 5,949 5,597
Accumulated Other Comprehensive Income / (Loss)		 -2,250 -2,336 -2,549 -2,609 -3,008 -2,930 -2,920 -3,140

Annual Metrics And Ratios for Zions Bancorporation, National Association

This table displays calculated financial ratios and metrics derived from Zions Bancorporation, National Association's official financial filings.

Metric 2024 2023 2022 2021 2020 2019 2018 2017 2016 2015
Period end date 12/31/2024 12/31/2023 12/31/2022 12/31/2021 12/31/2020 12/31/2019 12/31/2018 12/31/2017 12/31/2016 12/31/2015
Growth Metrics		 - - - - - - - - - -
Revenue Growth		 0.48% -1.17% 8.28% 4.34% -1.55% 1.87% 6.63% 9.48% 15.01% -4.64%
EBITDA Growth		 12.48% -21.28% -9.26% 86.54% -39.02% -6.89% 19.73% 34.66% 54.19% -20.93%
EBIT Growth		 16.32% -25.83% -17.86% 112.50% -36.30% -7.62% 22.01% 32.77% 56.32% -27.42%
NOPAT Growth		 15.29% -25.03% -19.66% 109.46% -33.95% -7.69% 49.32% 26.23% 51.78% -22.45%
Net Income Growth		 15.29% -25.03% -19.66% 109.46% -33.95% -7.69% 49.32% 26.23% 51.78% -22.45%
EPS Growth		 13.79% -24.87% -14.73% 124.83% -27.40% 1.96% 56.92% 30.65% 65.83% -28.57%
Operating Cash Flow Growth		 29.72% -39.80% 133.70% -12.52% 3.16% -40.73% 26.72% 55.70% 28.45% 22.00%
Free Cash Flow Firm Growth		 -533.33% -100.23% 104.58% 377.35% 835.71% -93.48% -7.87% 12.76% 37.47% -33.18%
Invested Capital Growth		 13.49% 12.43% -34.58% -8.10% 1.61% 9.32% 2.98% -1.31% -1.81% -1.68%
Revenue Q/Q Growth		 2.93% -4.36% 4.30% 0.59% 0.50% -0.11% 1.76% 2.31% 1.75% 1.13%
EBITDA Q/Q Growth		 13.26% -19.52% 13.44% -7.88% 14.85% -4.53% 2.46% 6.39% 16.78% 7.43%
EBIT Q/Q Growth		 15.53% -22.04% 12.36% -7.63% 24.44% -4.70% 2.51% 6.12% 9.38% 4.88%
NOPAT Q/Q Growth		 12.97% -18.85% 8.49% -5.92% 23.06% -5.01% 12.90% -1.99% 8.06% 7.00%
Net Income Q/Q Growth		 12.97% -18.85% 8.49% -5.92% 23.06% -5.01% 12.90% -1.99% 8.06% 7.00%
EPS Q/Q Growth		 12.76% -19.44% 8.83% -3.82% 28.51% -2.35% 14.61% -2.26% 9.34% 11.11%
Operating Cash Flow Q/Q Growth		 197.41% -45.50% 28.72% -0.79% -20.02% 0.00% 23.79% -5.69% 20.98% 11.87%
Free Cash Flow Firm Q/Q Growth		 85.16% -102.76% -10.47% 32.02% 125.86% -92.22% 30.10% -1.51% -19.20% 218.03%
Invested Capital Q/Q Growth		 2.03% 6.46% 3.76% -3.63% 2.30% 3.71% -1.54% -1.01% -0.98% -3.06%
Profitability Metrics		 - - - - - - - - - -
EBITDA Margin		 36.29% 32.42% 40.70% 48.57% 27.17% 43.86% 47.99% 42.74% 34.75% 25.92%
EBIT Margin		 32.33% 27.93% 37.21% 49.06% 24.09% 37.23% 41.05% 35.88% 29.58% 21.77%
Profit (Net Income) Margin		 25.05% 21.83% 28.78% 38.78% 19.32% 28.79% 31.78% 22.69% 19.68% 14.91%
Tax Burden Percent		 77.47% 76.75% 78.73% 78.08% 80.21% 77.49% 77.34% 63.25% 66.52% 68.51%
Interest Burden Percent		 100.00% 101.84% 98.21% 101.26% 100.00% 99.81% 100.09% 100.00% 100.00% 100.00%
Effective Tax Rate		 22.53% 23.25% 21.27% 21.92% 19.79% 22.51% 22.66% 36.75% 33.48% 31.49%
Return on Invested Capital (ROIC)		 11.78% 11.55% 12.94% 12.76% 5.89% 9.39% 10.80% 7.29% 5.69% 3.68%
ROIC Less NNEP Spread (ROIC-NNEP)		 11.78% 11.55% 12.94% 12.76% 5.89% 9.39% 10.80% 7.29% 5.69% 3.68%
Return on Net Nonoperating Assets (RNNOA)		 1.49% 1.30% 1.74% 1.95% 1.18% 1.54% 0.78% 0.44% 0.51% 0.47%
Return on Equity (ROE)		 13.27% 12.85% 14.68% 14.71% 7.07% 10.93% 11.59% 7.73% 6.19% 4.15%
Cash Return on Invested Capital (CROIC)		 -0.86% -0.15% 54.75% 21.20% 4.30% 0.48% 7.87% 8.61% 7.52% 5.37%
Operating Return on Assets (OROA)		 1.15% 0.98% 1.28% 1.64% 0.89% 1.53% 1.69% 1.45% 1.15% 0.77%
Return on Assets (ROA)		 0.89% 0.77% 0.99% 1.29% 0.72% 1.18% 1.31% 0.91% 0.76% 0.53%
Return on Common Equity (ROCE)		 12.70% 11.78% 13.64% 13.75% 6.55% 10.10% 10.73% 7.09% 5.57% 3.64%
Return on Equity Simple (ROE_SIMPLE)		 12.80% 11.95% 18.54% 15.13% 6.83% 11.10% 11.67% 7.71% 6.14% 4.12%
Net Operating Profit after Tax (NOPAT)		 784 680 907 1,129 539 816 884 592 469 309
NOPAT Margin		 25.05% 21.83% 28.78% 38.78% 19.32% 28.79% 31.78% 22.69% 19.68% 14.91%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 56.01% 55.25% 51.87% 52.28% 53.44% 50.39% 48.67% 49.33% 52.45% 59.89%
Operating Expenses to Revenue		 65.37% 67.32% 59.58% 59.81% 61.08% 61.47% 60.35% 63.47% 66.51% 76.30%
Earnings before Interest and Taxes (EBIT)		 1,012 870 1,173 1,428 672 1,055 1,142 936 705 451
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 1,136 1,010 1,283 1,414 758 1,243 1,335 1,115 828 537
Valuation Ratios		 - - - - - - - - - -
Price to Book Value (P/BV)		 1.31 1.18 1.51 1.25 0.84 1.09 0.91 1.13 1.00 0.65
Price to Tangible Book Value (P/TBV)		 1.59 1.48 1.98 1.46 0.98 1.28 1.06 1.13 1.17 0.77
Price to Revenue (P/Rev)		 2.54 2.00 2.13 3.01 2.21 2.60 2.28 3.09 2.90 2.10
Price to Earnings (P/E)		 10.79 9.60 7.64 7.97 12.20 9.43 7.47 14.68 16.79 17.60
Dividend Yield		 3.08% 3.91% 3.53% 2.57% 3.62% 2.96% 0.91% 0.00% 0.00% 0.00%
Earnings Yield		 9.27% 10.42% 13.10% 12.55% 8.19% 10.60% 13.39% 6.81% 5.95% 5.68%
Enterprise Value to Invested Capital (EV/IC)		 0.57 0.65 0.61 0.00 0.07 0.85 0.60 0.89 0.66 0.00
Enterprise Value to Revenue (EV/Rev)		 1.28 1.30 1.07 0.00 0.24 2.73 1.78 2.75 2.28 0.00
Enterprise Value to EBITDA (EV/EBITDA)		 3.53 4.02 2.63 0.00 0.90 6.22 3.70 6.44 6.56 0.00
Enterprise Value to EBIT (EV/EBIT)		 3.97 4.67 2.88 0.00 1.02 7.33 4.33 7.67 7.70 0.00
Enterprise Value to NOPAT (EV/NOPAT)		 5.12 5.97 3.72 0.00 1.27 9.48 5.59 12.12 11.58 0.00
Enterprise Value to Operating Cash Flow (EV/OCF)		 3.50 4.59 2.29 0.00 0.95 11.10 4.21 7.73 9.11 0.00
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.88 0.00 1.74 184.15 7.68 10.27 8.76 0.00
Leverage & Solvency		 - - - - - - - - - -
Debt to Equity		 0.16 0.10 0.13 0.14 0.17 0.23 0.10 0.05 0.07 0.11
Long-Term Debt to Equity		 0.16 0.10 0.13 0.14 0.17 0.23 0.10 0.05 0.07 0.11
Financial Leverage		 0.13 0.11 0.13 0.15 0.20 0.16 0.07 0.06 0.09 0.13
Leverage Ratio		 14.89 16.70 14.79 11.38 9.89 9.24 8.85 8.46 8.12 7.86
Compound Leverage Factor		 14.89 17.01 14.53 11.52 9.89 9.22 8.86 8.46 8.12 7.86
Debt to Total Capital		 13.43% 8.70% 11.74% 11.94% 14.49% 18.98% 8.72% 4.75% 6.55% 9.76%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 13.43% 8.70% 11.74% 11.94% 14.49% 18.98% 8.72% 4.75% 6.55% 9.76%
Preferred Equity to Total Capital		 0.93% 7.06% 7.94% 5.19% 6.14% 6.24% 6.82% 7.02% 8.69% 9.96%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 85.64% 84.25% 80.32% 82.87% 79.38% 74.78% 84.46% 88.23% 84.76% 80.28%
Debt to EBITDA		 0.84 0.54 0.51 0.72 1.76 1.39 0.54 0.34 0.65 1.51
Net Debt to EBITDA		 -3.52 -2.57 -2.94 -8.49 -7.98 -0.17 -1.48 -1.31 -2.63 -12.50
Long-Term Debt to EBITDA		 0.84 0.54 0.51 0.72 1.76 1.39 0.54 0.34 0.65 1.51
Debt to NOPAT		 1.21 0.80 0.72 0.90 2.48 2.11 0.82 0.65 1.14 2.63
Net Debt to NOPAT		 -5.11 -3.82 -4.16 -10.63 -11.22 -0.26 -2.23 -2.47 -4.65 -21.73
Long-Term Debt to NOPAT		 1.21 0.80 0.72 0.90 2.48 2.11 0.82 0.65 1.14 2.63
Noncontrolling Interest Sharing Ratio		 4.28% 8.31% 7.12% 6.55% 7.43% 7.58% 7.42% 8.33% 10.16% 12.32%
Liquidity Ratios		 - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -57 -9.00 3,838 1,876 393 42 644 699 620 451
Operating Cash Flow to CapEx		 1,183.51% 783.19% 773.68% 305.34% 420.47% 595.73% 911.63% 549.11% 304.08% 295.54%
Free Cash Flow to Firm to Interest Expense		 -0.03 -0.01 20.75 31.80 2.59 0.10 2.57 5.50 7.13 3.82
Operating Cash Flow to Interest Expense		 0.62 0.59 7.95 10.66 4.73 1.70 4.69 7.31 6.85 3.93
Operating Cash Flow Less CapEx to Interest Expense		 0.56 0.51 6.92 7.17 3.61 1.41 4.17 5.98 4.60 2.60
Efficiency Ratios		 - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.04 0.04 0.04 0.04 0.04 0.04
Fixed Asset Turnover		 2.26 2.22 2.31 2.30 2.37 2.50 2.51 2.47 2.48 2.39
Capital & Investment Metrics		 - - - - - - - - - -
Invested Capital		 7,074 6,233 5,544 8,475 9,222 9,076 8,302 8,062 8,169 8,320
Invested Capital Turnover		 0.47 0.53 0.45 0.33 0.31 0.33 0.34 0.32 0.29 0.25
Increase / (Decrease) in Invested Capital		 841 689 -2,931 -747 146 774 240 -107 -151 -142
Enterprise Value (EV)		 4,013 4,062 3,373 -2,792 683 7,734 4,945 7,178 5,431 -1,539
Market Capitalization		 7,951 6,221 6,705 8,767 6,163 7,377 6,349 8,073 6,902 4,346
Book Value per Share		 $41.01 $35.44 $29.76 $44.89 $44.63 $39.81 $36.49 $35.61 $33.99 $32.69
Tangible Book Value per Share		 $33.89 $28.30 $22.64 $38.40 $38.44 $33.87 $31.20 $35.61 $29.01 $27.65
Total Capital		 7,074 6,233 5,544 8,475 9,222 9,076 8,302 8,062 8,169 8,320
Total Debt		 950 542 651 1,012 1,336 1,723 724 383 535 812
Total Long-Term Debt		 950 542 651 1,012 1,336 1,723 724 383 535 812
Net Debt		 -4,004 -2,599 -3,772 -11,999 -6,046 -209 -1,970 -1,461 -2,181 -6,714
Capital Expenditures (CapEx)		 97 113 190 206 171 117 129 169 196 157
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 950 542 651 1,012 1,336 1,723 724 383 535 812
Total Depreciation and Amortization (D&A)		 124 140 110 -14 86 188 193 179 123 86
Earnings Adjustments		 - - - - - - - - - -
Adjusted Basic Earnings per Share		 $4.95 $4.35 $5.80 $6.80 $3.06 $4.41 $4.36 $2.71 $2.00 $1.20
Adjusted Weighted Average Basic Shares Outstanding		 147.21M 147.75M 150.06M 159.91M 163.74M 175.98M 193.59M 200.78M 203.86M 203.27M
Adjusted Diluted Earnings per Share		 $4.95 $4.35 $5.79 $6.79 $3.02 $4.16 $4.08 $2.60 $1.99 $1.20
Adjusted Weighted Average Diluted Shares Outstanding		 147.22M 147.76M 150.27M 160.23M 165.61M 186.50M 206.50M 209.65M 204.27M 203.70M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $4.41 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 147.89M 148.16M 148.65M 151.57M 164.21M 164.92M 186.16M 196.51M 202.42M 204.51M
Normalized Net Operating Profit after Tax (NOPAT)		 784 680 907 1,129 539 816 884 592 469 310
Normalized NOPAT Margin		 25.05% 21.83% 28.78% 38.78% 19.32% 28.79% 31.78% 22.69% 19.68% 14.95%
Pre Tax Income Margin		 32.33% 28.44% 36.55% 49.67% 24.09% 37.16% 41.09% 35.88% 29.58% 21.77%
Debt Service Ratios		 - - - - - - - - - -
EBIT to Interest Expense		 0.54 0.58 6.34 24.20 4.42 2.57 4.55 7.37 8.10 3.82
NOPAT to Interest Expense		 0.42 0.45 4.90 19.14 3.55 1.99 3.52 4.66 5.39 2.62
EBIT Less CapEx to Interest Expense		 0.49 0.50 5.31 20.71 3.30 2.28 4.04 6.04 5.85 2.49
NOPAT Less CapEx to Interest Expense		 0.37 0.38 3.88 15.64 2.42 1.70 3.01 3.33 3.14 1.29
Payout Ratios		 - - - - - - - - - -
Dividend Payout Ratio		 36.86% 41.47% 29.66% 23.12% 48.05% 31.86% 26.70% 21.79% 23.03% 34.95%
Augmented Payout Ratio		 41.45% 48.97% 51.93% 93.98% 62.15% 166.91% 102.71% 76.01% 43.71% 37.22%

Quarterly Metrics And Ratios for Zions Bancorporation, National Association

This table displays calculated financial ratios and metrics derived from Zions Bancorporation, National Association's official financial filings.

Metric Q1 2025 Q4 2024 Q3 2024 Q2 2024 Q1 2024 Q4 2023 Q3 2023 Q2 2023 Q1 2023 Q4 2022 Q3 2022
Period end date 3/31/2025 12/31/2024 9/30/2024 6/30/2024 3/31/2024 12/31/2023 9/30/2023 6/30/2023 3/31/2023 12/31/2022 9/30/2022
Growth Metrics		 - - - - - - - - - - -
Revenue Growth		 7.14% 12.18% 3.53% -0.51% -11.56% -16.27% -7.61% 1.96% 22.30% 17.50% 19.31%
EBITDA Growth		 18.06% 80.12% 17.05% 11.83% -26.10% -59.61% -15.38% -8.39% 16.06% 58.69% 4.00%
EBIT Growth		 23.08% 101.49% 21.49% 15.93% -28.01% -64.74% -17.99% -13.08% 10.59% 51.39% -10.61%
NOPAT Growth		 11.11% 71.43% 22.29% 14.86% -25.00% -55.63% -19.35% -13.79% 0.49% 33.33% -9.58%
Net Income Growth		 11.11% 71.43% 22.29% 14.86% -25.00% -55.63% -19.35% -13.79% 0.49% 33.33% -9.58%
EPS Growth		 17.71% 71.79% 21.24% 15.32% -27.82% -57.38% -19.29% -13.95% 4.72% 34.56% -3.45%
Operating Cash Flow Growth		 -31.42% 311.02% -61.74% -58.03% 18.10% -149.60% 80.81% 15.89% -23.26% 197.59% -4.44%
Free Cash Flow Firm Growth		 -100.54% -11.01% -156.38% -183.56% -127.84% -117.51% -109.19% -79.73% -45.35% 234.90% 695.66%
Invested Capital Growth		 14.40% 13.49% 18.41% 12.88% 9.00% 12.43% 9.58% -7.65% -16.27% -34.58% -39.24%
Revenue Q/Q Growth		 -3.05% 3.54% 2.06% 4.58% 1.50% -4.44% -1.92% -7.03% -3.89% 5.43% 8.24%
EBITDA Q/Q Growth		 -10.37% -3.24% 5.46% 24.68% 41.57% -37.12% 0.76% -17.61% -22.63% 31.73% 9.09%
EBIT Q/Q Growth		 -11.11% -2.53% 5.73% 29.06% 51.49% -41.23% 0.89% -19.86% -25.79% 36.69% 6.92%
NOPAT Q/Q Growth		 -21.30% 0.93% 6.47% 31.37% 21.43% -28.00% 0.00% -14.22% -28.17% 30.88% 6.90%
Net Income Q/Q Growth		 -21.30% 0.93% 6.47% 31.37% 21.43% -28.00% 0.00% -14.22% -28.17% 30.88% 6.90%
EPS Q/Q Growth		 -15.67% -2.19% 7.03% 33.33% 23.08% -30.97% 1.80% -16.54% -27.32% 30.71% 8.53%
Operating Cash Flow Q/Q Growth		 -65.38% 334.45% -52.59% -3.83% 206.53% -178.78% -47.99% 170.59% -55.26% 187.21% -66.67%
Free Cash Flow Firm Q/Q Growth		 -19.68% 27.66% -57.38% -47.19% 33.75% -67.06% -151.29% -50.97% -58.32% -12.35% 13.17%
Invested Capital Q/Q Growth		 3.07% 2.03% 5.51% 3.11% 2.25% 6.46% 0.58% -0.44% 5.47% 3.76% -15.23%
Profitability Metrics		 - - - - - - - - - - -
EBITDA Margin		 33.71% 36.46% 39.02% 37.76% 31.67% 22.71% 34.51% 33.59% 37.90% 47.08% 37.68%
EBIT Margin		 30.19% 32.93% 34.97% 33.76% 27.36% 18.33% 29.80% 28.97% 33.61% 43.53% 33.57%
Profit (Net Income) Margin		 21.38% 26.34% 27.02% 25.90% 20.62% 17.24% 22.88% 22.44% 24.31% 32.53% 26.21%
Tax Burden Percent		 71.13% 80.00% 77.26% 76.72% 75.37% 84.00% 76.75% 77.43% 72.34% 79.11% 78.06%
Interest Burden Percent		 99.58% 100.00% 100.00% 100.00% 100.00% 111.94% 100.00% 100.00% 100.00% 94.47% 100.00%
Effective Tax Rate		 28.87% 20.00% 22.74% 23.28% 24.63% 16.00% 23.25% 22.57% 27.66% 20.89% 21.94%
Return on Invested Capital (ROIC)		 9.96% 12.39% 12.85% 12.60% 10.19% 9.12% 13.31% 12.29% 12.53% 14.63% 11.20%
ROIC Less NNEP Spread (ROIC-NNEP)		 9.96% 12.39% 12.85% 12.60% 10.19% 9.12% 13.31% 12.29% 12.53% 14.63% 11.20%
Return on Net Nonoperating Assets (RNNOA)		 1.24% 1.56% 1.20% 1.21% 1.12% 1.03% 1.58% 1.36% 1.48% 1.97% 4.29%
Return on Equity (ROE)		 11.20% 13.96% 14.05% 13.81% 11.30% 10.15% 14.88% 13.65% 14.00% 16.60% 15.49%
Cash Return on Invested Capital (CROIC)		 -1.71% -0.86% -6.01% -1.53% 1.69% -0.15% 5.82% 22.47% 31.86% 54.75% 60.65%
Operating Return on Assets (OROA)		 1.10% 1.17% 1.22% 1.16% 0.94% 0.65% 1.10% 1.10% 1.24% 1.50% 1.15%
Return on Assets (ROA)		 0.78% 0.94% 0.94% 0.89% 0.71% 0.61% 0.85% 0.85% 0.89% 1.12% 0.90%
Return on Common Equity (ROCE)		 10.73% 13.36% 12.99% 12.73% 10.40% 9.30% 13.58% 12.55% 12.93% 15.42% 14.16%
Return on Equity Simple (ROE_SIMPLE)		 12.66% 0.00% 10.87% 10.87% 10.79% 0.00% 15.77% 16.66% 17.52% 0.00% 17.80%
Net Operating Profit after Tax (NOPAT)		 170 216 214 201 153 126 175 175 204 284 217
NOPAT Margin		 21.38% 26.34% 27.02% 25.90% 20.62% 17.24% 22.88% 22.44% 24.31% 32.53% 26.21%
Net Nonoperating Expense Percent (NNEP)		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
SG&A Expenses to Revenue		 58.36% 53.54% 54.92% 56.31% 59.57% 56.77% 55.56% 55.77% 53.16% 46.51% 50.00%
Operating Expenses to Revenue		 67.67% 62.07% 63.38% 65.59% 70.89% 79.48% 64.84% 65.13% 61.03% 53.95% 57.85%
Earnings before Interest and Taxes (EBIT)		 240 270 277 262 203 134 228 226 282 380 278
Earnings before Interest, Taxes, Depreciation and Amortization (EBITDA)		 268 299 309 293 235 166 264 262 318 411 312
Valuation Ratios		 - - - - - - - - - - -
Price to Book Value (P/BV)		 1.18 1.31 1.16 1.12 1.15 1.18 1.00 0.77 0.86 1.51 1.63
Price to Tangible Book Value (P/TBV)		 1.43 1.59 1.40 1.38 1.44 1.48 1.28 0.98 1.11 1.98 2.15
Price to Revenue (P/Rev)		 2.32 2.54 2.26 2.07 2.06 2.00 1.50 1.12 1.24 2.13 2.29
Price to Earnings (P/E)		 9.66 10.79 10.52 10.13 10.49 9.60 6.04 4.36 4.64 7.64 8.56
Dividend Yield		 3.37% 3.08% 3.53% 3.87% 3.91% 3.91% 4.97% 6.53% 5.86% 3.53% 3.37%
Earnings Yield		 10.35% 9.27% 9.50% 9.87% 9.54% 10.42% 16.55% 22.91% 21.55% 13.10% 11.68%
Enterprise Value to Invested Capital (EV/IC)		 0.64 0.57 0.65 0.50 0.61 0.65 0.35 0.29 0.20 0.61 0.63
Enterprise Value to Revenue (EV/Rev)		 1.46 1.28 1.48 1.10 1.30 1.30 0.63 0.51 0.35 1.07 1.12
Enterprise Value to EBITDA (EV/EBITDA)		 3.95 3.53 4.49 3.45 4.22 4.02 1.62 1.29 0.88 2.63 2.98
Enterprise Value to EBIT (EV/EBIT)		 4.40 3.97 5.14 4.00 4.95 4.67 1.83 1.44 0.97 2.88 3.23
Enterprise Value to NOPAT (EV/NOPAT)		 5.81 5.12 6.49 5.05 6.22 5.97 2.43 1.91 1.29 3.72 4.03
Enterprise Value to Operating Cash Flow (EV/OCF)		 4.37 3.50 11.67 5.72 4.23 4.59 1.25 1.13 0.83 2.29 2.95
Enterprise Value to Free Cash Flow (EV/FCFF)		 0.00 0.00 0.00 0.00 37.98 0.00 6.25 1.24 0.57 0.88 0.79
Leverage & Solvency		 - - - - - - - - - - -
Debt to Equity		 0.15 0.16 0.09 0.09 0.09 0.10 0.10 0.10 0.13 0.13 0.14
Long-Term Debt to Equity		 0.15 0.16 0.09 0.09 0.09 0.10 0.10 0.10 0.13 0.13 0.14
Financial Leverage		 0.12 0.13 0.09 0.10 0.11 0.11 0.12 0.11 0.12 0.13 0.38
Leverage Ratio		 14.40 14.89 14.90 15.46 15.95 16.70 17.56 16.03 15.66 14.79 17.29
Compound Leverage Factor		 14.34 14.89 14.90 15.46 15.95 18.69 17.56 16.03 15.66 13.97 17.29
Debt to Total Capital		 13.22% 13.43% 7.90% 8.31% 8.54% 8.70% 9.22% 9.24% 11.34% 11.74% 12.11%
Short-Term Debt to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Long-Term Debt to Total Capital		 13.22% 13.43% 7.90% 8.31% 8.54% 8.70% 9.22% 9.24% 11.34% 11.74% 12.11%
Preferred Equity to Total Capital		 0.91% 0.93% 6.35% 6.70% 6.90% 7.06% 7.51% 7.56% 7.53% 7.94% 8.24%
Noncontrolling Interests to Total Capital		 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00% 0.00%
Common Equity to Total Capital		 85.87% 85.64% 85.75% 84.99% 84.56% 84.25% 83.26% 83.20% 81.14% 80.32% 79.66%
Debt to EBITDA		 0.82 0.84 0.55 0.57 0.59 0.54 0.43 0.41 0.50 0.51 0.57
Net Debt to EBITDA		 -2.37 -3.52 -2.80 -3.53 -2.96 -2.57 -2.62 -1.90 -2.53 -2.94 -3.53
Long-Term Debt to EBITDA		 0.82 0.84 0.55 0.57 0.59 0.54 0.43 0.41 0.50 0.51 0.57
Debt to NOPAT		 1.20 1.21 0.79 0.83 0.86 0.80 0.64 0.61 0.73 0.72 0.77
Net Debt to NOPAT		 -3.48 -5.11 -4.04 -5.16 -4.37 -3.82 -3.93 -2.81 -3.70 -4.16 -4.77
Long-Term Debt to NOPAT		 1.20 1.21 0.79 0.83 0.86 0.80 0.64 0.61 0.73 0.72 0.77
Noncontrolling Interest Sharing Ratio		 4.16% 4.28% 7.52% 7.78% 7.99% 8.31% 8.79% 8.06% 7.67% 7.12% 8.61%
Liquidity Ratios		 - - - - - - - - - - -
Cash Flow Metrics		 - - - - - - - - - - -
Free Cash Flow to Firm (FCFF)		 -748 -625 -864 -549 -373 -563 -337 657 1,340 3,215 3,668
Operating Cash Flow to CapEx		 662.96% 1,846.43% 540.91% 1,476.47% 870.00% -844.83% 1,003.23% 2,718.18% 712.90% 1,372.22% 330.77%
Free Cash Flow to Firm to Interest Expense		 -1.85 -1.44 -1.79 -1.15 -0.80 -1.23 -0.79 1.70 5.56 27.96 83.36
Operating Cash Flow to Interest Expense		 0.44 1.19 0.25 0.53 0.56 -0.54 0.73 1.55 0.92 4.30 3.91
Operating Cash Flow Less CapEx to Interest Expense		 0.38 1.12 0.20 0.49 0.49 -0.60 0.66 1.49 0.79 3.98 2.73
Efficiency Ratios		 - - - - - - - - - - -
Asset Turnover		 0.04 0.04 0.03 0.03 0.03 0.04 0.04 0.04 0.04 0.03 0.03
Fixed Asset Turnover		 2.31 2.26 2.19 2.16 2.15 2.22 2.33 2.38 2.40 2.31 2.26
Capital & Investment Metrics		 - - - - - - - - - - -
Invested Capital		 7,291 7,074 6,933 6,571 6,373 6,233 5,855 5,821 5,847 5,544 5,343
Invested Capital Turnover		 0.47 0.47 0.48 0.49 0.49 0.53 0.58 0.55 0.52 0.45 0.43
Increase / (Decrease) in Invested Capital		 918 841 1,078 750 526 689 512 -482 -1,136 -2,931 -3,451
Enterprise Value (EV)		 4,655 4,013 4,506 3,309 3,912 4,062 2,037 1,684 1,168 3,373 3,370
Market Capitalization		 7,374 7,951 6,871 6,252 6,219 6,221 4,888 3,719 4,087 6,705 6,920
Book Value per Share		 $42.34 $41.01 $40.25 $37.82 $36.58 $35.44 $32.91 $32.70 $31.91 $29.76 $28.28
Tangible Book Value per Share		 $34.87 $33.89 $33.12 $30.68 $29.40 $28.30 $25.75 $25.53 $24.76 $22.64 $21.41
Total Capital		 7,291 7,074 6,933 6,571 6,373 6,233 5,855 5,821 5,847 5,544 5,343
Total Debt		 964 950 548 546 544 542 540 538 663 651 647
Total Long-Term Debt		 964 950 548 546 544 542 540 538 663 651 647
Net Debt		 -2,785 -4,004 -2,805 -3,383 -2,747 -2,599 -3,291 -2,475 -3,359 -3,772 -3,990
Capital Expenditures (CapEx)		 27 28 22 17 30 29 31 22 31 36 52
Net Nonoperating Expense (NNE)		 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00 0.00
Net Nonoperating Obligations (NNO)		 964 950 548 546 544 542 540 538 663 651 647
Total Depreciation and Amortization (D&A)		 28 29 32 31 32 32 36 36 36 31 34
Earnings Adjustments		 - - - - - - - - - - -
Adjusted Basic Earnings per Share		 $1.13 $1.34 $1.37 $1.28 $0.96 $0.78 $1.13 $1.11 $1.33 $1.84 $1.40
Adjusted Weighted Average Basic Shares Outstanding		 147.32M 147.21M 147.14M 147.12M 147.34M 147.75M 147.65M 147.69M 148.02M 150.06M 149.63M
Adjusted Diluted Earnings per Share		 $1.13 $1.34 $1.37 $1.28 $0.96 $0.78 $1.13 $1.11 $1.33 $1.83 $1.40
Adjusted Weighted Average Diluted Shares Outstanding		 147.39M 147.22M 147.15M 147.12M 147.34M 147.76M 147.65M 147.70M 148.04M 150.27M 149.79M
Adjusted Basic & Diluted Earnings per Share		 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00
Adjusted Weighted Average Basic & Diluted Shares Outstanding		 147.57M 147.89M 147.71M 147.70M 147.65M 148.16M 148.15M 148.15M 148.10M 148.65M 149.62M
Normalized Net Operating Profit after Tax (NOPAT)		 170 216 214 201 153 126 175 175 204 284 217
Normalized NOPAT Margin		 21.38% 26.34% 27.02% 25.90% 20.62% 17.24% 22.88% 22.44% 24.31% 32.53% 26.21%
Pre Tax Income Margin		 30.06% 32.93% 34.97% 33.76% 27.36% 20.52% 29.80% 28.97% 33.61% 41.12% 33.57%
Debt Service Ratios		 - - - - - - - - - - -
EBIT to Interest Expense		 0.59 0.62 0.57 0.55 0.43 0.29 0.54 0.59 1.17 3.30 6.32
NOPAT to Interest Expense		 0.42 0.50 0.44 0.42 0.33 0.28 0.41 0.45 0.85 2.47 4.93
EBIT Less CapEx to Interest Expense		 0.53 0.56 0.53 0.51 0.37 0.23 0.46 0.53 1.04 2.99 5.14
NOPAT Less CapEx to Interest Expense		 0.35 0.43 0.40 0.39 0.26 0.21 0.34 0.40 0.72 2.16 3.75
Payout Ratios		 - - - - - - - - - - -
Dividend Payout Ratio		 35.46% 36.86% 41.21% 43.82% 45.15% 41.47% 33.41% 31.48% 29.96% 29.66% 31.34%
Augmented Payout Ratio		 40.70% 41.45% 46.40% 49.31% 50.87% 48.97% 45.47% 48.64% 52.09% 51.93% 88.28%

Frequently Asked Questions About Zions Bancorporation, National Association's Financials

When does Zions Bancorporation, National Association's financial year end?

According to the most recent income statement we have on file, Zions Bancorporation, National Association's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Zions Bancorporation, National Association's net income changed over the last 9 years?

Zions Bancorporation, National Association's net income appears to be on an upward trend, with a most recent value of $784 million in 2024, rising from $309 million in 2015. The previous period was $680 million in 2023. Check out Zions Bancorporation, National Association's forecast to explore projected trends and price targets.

How has Zions Bancorporation, National Association revenue changed over the last 9 years?

Over the last 9 years, Zions Bancorporation, National Association's total revenue changed from $2.07 billion in 2015 to $3.13 billion in 2024, a change of 51.1%.

How much debt does Zions Bancorporation, National Association have?

Zions Bancorporation, National Association's total liabilities were at $82.65 billion at the end of 2024, a 1.4% increase from 2023, and a 58.5% increase since 2015.

How much cash does Zions Bancorporation, National Association have?

In the past 9 years, Zions Bancorporation, National Association's cash and equivalents has ranged from $543 million in 2020 to $798.32 million in 2015, and is currently $651 million as of their latest financial filing in 2024.

How has Zions Bancorporation, National Association's book value per share changed over the last 9 years?

Over the last 9 years, Zions Bancorporation, National Association's book value per share changed from 32.69 in 2015 to 41.01 in 2024, a change of 25.4%.


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This page (NASDAQ:ZION) was last updated on 5/29/2025 by MarketBeat.com Staff
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