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Zions Bancorporation N.A. - 6.9 (ZIONL) Financials

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Annual Income Statements for Zions Bancorporation N.A. - 6.9

Annual Income Statements for Zions Bancorporation N.A. - 6.9

This table shows Zions Bancorporation N.A. - 6.9's income and expenses over time, based on annual financial data. All values are USD millions unless otherwise specified.

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

Quarterly Income Statements for Zions Bancorporation N.A. - 6.9

This table shows Zions Bancorporation N.A. - 6.9's income and expenses over time, based on quarterly financial data. All values are USD millions unless otherwise specified.

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

Annual Cash Flow Statements for Zions Bancorporation N.A. - 6.9

This table details how cash moves in and out of Zions Bancorporation N.A. - 6.9's business through operations, investing, and financing, using annual figures. All values are USD millions unless otherwise specified.

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

Quarterly Cash Flow Statements for Zions Bancorporation N.A. - 6.9

This table details how cash moves in and out of Zions Bancorporation N.A. - 6.9's business through operations, investing, and financing, using quarterly figures. All values are USD millions unless otherwise specified.

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

Annual Balance Sheets for Zions Bancorporation N.A. - 6.9

This table presents Zions Bancorporation N.A. - 6.9's assets and liabilities at the end of each period, using annual balance sheet data. All values are USD millions unless otherwise specified.

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

Quarterly Balance Sheets for Zions Bancorporation N.A. - 6.9

This table presents Zions Bancorporation N.A. - 6.9's assets and liabilities at the end of each period, using quarterly balance sheet data. All values are USD millions unless otherwise specified.

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

Annual Metrics and Ratios for Zions Bancorporation N.A. - 6.9

This table displays calculated financial ratios and metrics derived from Zions Bancorporation N.A. - 6.9's official financial filings.

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

Quarterly Metrics and Ratios for Zions Bancorporation N.A. - 6.9

This table displays calculated financial ratios and metrics derived from Zions Bancorporation N.A. - 6.9's official financial filings.

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

Frequently Asked Questions About Zions Bancorporation N.A. - 6.9's Financials

When does Zions Bancorporation N.A. - 6.9's financial year end?

According to the most recent income statement we have on file, Zions Bancorporation N.A. - 6.9's fiscal year ends in December. Their fiscal year 2024 ended on December 31, 2024.

How has Zions Bancorporation N.A. - 6.9's net income changed over the last 9 years?

Zions Bancorporation N.A. - 6.9'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.

How has Zions Bancorporation N.A. - 6.9 revenue changed over the last 9 years?

Over the last 9 years, Zions Bancorporation N.A. - 6.9'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 N.A. - 6.9 have?

Zions Bancorporation N.A. - 6.9'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 N.A. - 6.9 have?

In the past 9 years, Zions Bancorporation N.A. - 6.9'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 N.A. - 6.9's book value per share changed over the last 9 years?

Over the last 9 years, Zions Bancorporation N.A. - 6.9'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:ZIONL) was last updated on 5/12/2025 by MarketBeat.com Staff
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