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Stocks · Financials · National Commercial Banks

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

ZION Clue Score54
United States Fiscal year ends December CIK 0000109380
$62.68 +0.30% Close, 12 Oct 2026
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Price $62.68 −0.05% Close, 12 Oct 2026

Closing prices at the end of each trading day, from 13 Oct 2016. Not a live quote. Adjusted for share splits, so the line has no step at a split; dividends are not added back. P/E and P/FCF are the market value over the last full fiscal year's net income or free cash flow, as public on each day, so they step once a year when the annual report comes out. A hatched band marks a stretch with none: a year of net loss, or of cash burnt.

Revenue and profit

What the business sells, and what is left of it. Point at a year for the detail.
RevenueNet income
Fiscal year 2016Net income0.47EPS, diluted1.99Fiscal year 2017Net income0.59 +26.2%EPS, diluted2.60 +30.7%Fiscal year 2018Revenue0.41Net income0.88 +49.3%EPS, diluted4.08 +56.9%Fiscal year 2019Revenue0.41 +0.5%Net income0.82 −7.7%EPS, diluted4.16 +2.0%Fiscal year 2020Revenue0.40 −2.9%Net income0.54 −33.9%EPS, diluted3.02 −27.4%Fiscal year 2021Revenue0.45 +11.7%Net income1.13 +109.5%EPS, diluted6.79 +124.8%Fiscal year 2022Revenue0.50 +10.2%Net income0.91 −19.7%EPS, diluted5.79 −14.7%Fiscal year 2023Revenue0.50 +1.6%Net income0.68 −25.0%EPS, diluted4.35 −24.9%Fiscal year 2024Revenue0.51 +2.0%Net income0.78 +15.3%EPS, diluted4.95 +13.8%Fiscal year 2025Revenue0.53 +3.1%Net income0.90 +14.7%EPS, diluted6.01 +21.4%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Revenue n/a n/a 0.41 0.41 0.40 0.45 0.50 0.50 0.51 0.53
Growth +0.5% −2.9% +11.7% +10.2% +1.6% +2.0% +3.1%
Net income 0.47 0.59 0.88 0.82 0.54 1.13 0.91 0.68 0.78 0.90
Growth +26.2% +49.3% −7.7% −33.9% +109.5% −19.7% −25.0% +15.3% +14.7%
EPS, diluted 1.99 2.60 4.08 4.16 3.02 6.79 5.79 4.35 4.95 6.01
Growth +30.7% +56.9% +2.0% −27.4% +124.8% −14.7% −24.9% +13.8% +21.4%

Margins

How much of each dollar of revenue it keeps. Point at a year for the detail.
Net margin
Fiscal year 2016Fiscal year 2017Fiscal year 2018Net margin214.6%Free cash flow margin254.1%Fiscal year 2019Net margin197.1%Free cash flow margin140.1%Fiscal year 2020Net margin134.1%Free cash flow margin136.3%Fiscal year 2021Net margin251.4%Free cash flow margin94.2%Fiscal year 2022Net margin183.2%Free cash flow margin258.6%Fiscal year 2023Net margin135.2%Free cash flow margin153.5%Fiscal year 2024Net margin152.8%Free cash flow margin204.9%Fiscal year 2025Net margin169.9%Free cash flow margin180.0%
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Net margin n/a n/a 214.6% 197.1% 134.1% 251.4% 183.2% 135.2% 152.8% 169.9%
Free cash flow margin n/a n/a 254.1% 140.1% 136.3% 94.2% 258.6% 153.5% 204.9% 180.0%

Cash flow

The cash the business makes, what it reinvests, and what it hands back. Point at a year for the detail.
Operating cash flowCapital expenditureFree cash flow
Fiscal year 2016Operating cash flow0.60Capital expenditure−0.20Free cash flow0.40Buybacks−0.10Dividends paid−0.00Fiscal year 2017Operating cash flow0.93Capital expenditure−0.17Free cash flow0.76 +89.8%Buybacks−0.32Dividends paid−0.13Fiscal year 2018Operating cash flow1.18Capital expenditure−0.13Free cash flow1.05 +37.9%Buybacks−0.67Dividends paid−0.24Fiscal year 2019Operating cash flow0.70Capital expenditure−0.12Free cash flow0.58 −44.6%Buybacks−1.10Dividends paid−0.26Fiscal year 2020Operating cash flow0.72Capital expenditure−0.17Free cash flow0.55 −5.5%Buybacks−0.08Dividends paid−0.26Fiscal year 2021Operating cash flow0.63Capital expenditure−0.21Free cash flow0.42 −22.8%Buybacks−0.80Dividends paid−0.26Fiscal year 2022Operating cash flow1.47Capital expenditure−0.19Free cash flow1.28 +202.6%Buybacks−0.20Dividends paid−0.27Fiscal year 2023Operating cash flow0.89Capital expenditure−0.11Free cash flow0.77 −39.7%Buybacks−0.05Dividends paid−0.28Fiscal year 2024Operating cash flow1.15Capital expenditure−0.10Free cash flow1.05 +36.1%Buybacks−0.04Dividends paid−0.29Fiscal year 2025Operating cash flow1.07Capital expenditure−0.12Free cash flow0.95 −9.4%Buybacks−0.04Dividends paid−0.27
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Operating cash flow 0.60 0.93 1.18 0.70 0.72 0.63 1.47 0.89 1.15 1.07
Capital expenditure −0.20 −0.17 −0.13 −0.12 −0.17 −0.21 −0.19 −0.11 −0.10 −0.12
Free cash flow 0.40 0.76 1.05 0.58 0.55 0.42 1.28 0.77 1.05 0.95
Growth +89.8% +37.9% −44.6% −5.5% −22.8% +202.6% −39.7% +36.1% −9.4%
Buybacks −0.10 −0.32 −0.67 −1.10 −0.08 −0.80 −0.20 −0.05 −0.04 −0.04
Dividends paid −0.00 −0.13 −0.24 −0.26 −0.26 −0.26 −0.27 −0.28 −0.29 −0.27

Balance sheet

What it holds against what it owes, at each year end. Point at a year for the detail.
CashTotal debt
Fiscal year 2016Total debt0.54Shareholders’ equity7.63Debt to equity0.07Fiscal year 2017Cash0.55Total debt0.38Net cash (debt)0.17Shareholders’ equity7.68Debt to equity0.05Fiscal year 2018Cash0.61Total debt0.72Net cash (debt)−0.11Shareholders’ equity7.58Debt to equity0.10Fiscal year 2019Cash0.71Total debt1.72Net cash (debt)−1.02Shareholders’ equity7.35Debt to equity0.23Fiscal year 2020Cash0.54Total debt1.34Net cash (debt)−0.79Shareholders’ equity7.89Debt to equity0.17Fiscal year 2021Cash0.60Total debt1.01Net cash (debt)−0.42Shareholders’ equity7.46Debt to equity0.14Fiscal year 2022Cash0.66Total debt0.65Net cash (debt)0.01Shareholders’ equity4.89Debt to equity0.13Fiscal year 2023Cash0.72Total debt0.54Net cash (debt)0.17Shareholders’ equity5.69Debt to equity0.10Fiscal year 2024Cash0.65Total debt0.95Net cash (debt)−0.30Shareholders’ equity6.12Debt to equity0.15Fiscal year 2025Cash0.68Shareholders’ equity7.18
FY2016FY2017FY2018FY2019FY2020FY2021FY2022FY2023FY2024FY2025
Cash n/a 0.55 0.61 0.71 0.54 0.60 0.66 0.72 0.65 0.68
Total debt 0.54 0.38 0.72 1.72 1.34 1.01 0.65 0.54 0.95 n/a
Net cash (debt) n/a 0.17 −0.11 −1.02 −0.79 −0.42 0.01 0.17 −0.30 n/a
Shareholders’ equity 7.63 7.68 7.58 7.35 7.89 7.46 4.89 5.69 6.12 7.18
Debt to equity 0.07 0.05 0.10 0.23 0.17 0.14 0.13 0.10 0.15 n/a

In billions of USD, except per-share figures and ratios. Fiscal years, as last filed with the SEC.

Financial statements FY2025 · 10-K

Ratios

Percentages worked out from the filed figures; debt to equity in times. Fiscal years ending December, each column as last filed with the SEC.
Click a line to chart it
Fiscal year FY2016 31 Dec 2016 FY2017 31 Dec 2017 FY2018 31 Dec 2018 FY2019 31 Dec 2019 FY2020 31 Dec 2020 FY2021 31 Dec 2021 FY2022 31 Dec 2022 FY2023 31 Dec 2023 FY2024 31 Dec 2024 FY2025 31 Dec 2025
Margins
n/a n/a 214.6% 197.1% 134.1% 251.4% 183.2% 135.2% 152.8% 169.9%
n/a n/a 254.1% 140.1% 136.3% 94.2% 258.6% 153.5% 204.9% 180.0%
Spending
n/a n/a 31.3% 28.3% 42.5% 45.9% 38.4% 22.5% 18.9% 22.9%
Returns
6.1% 7.7% 11.7% 11.1% 6.8% 15.1% 18.5% 11.9% 12.8% 12.5%
0.7% 0.9% 1.3% 1.2% 0.7% 1.2% 1.0% 0.8% 0.9% 1.0%
Balance and payout
0.07 0.05 0.10 0.23 0.17 0.14 0.13 0.10 0.15 n/a
87.9% 88.4% 89.0% 89.4% 90.3% 92.0% 94.5% 93.5% 93.1% 91.9%
0.0% 21.8% 26.7% 31.9% 48.1% 23.1% 29.7% 41.5% 36.9% 29.7%
24.3% 59.3% 86.7% 234.8% 61.1% 250.8% 36.8% 43.1% 30.9% 32.4%