ZION

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Zions Bancorporation N.A.

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Key Metrics

Previous Close: $68.29
52-Week Range: $46.19 – $73.34
Market Cap: $9.91B
P/E (TTM): 8.65
EPS (TTM): 7.85
Dividend Yield: 2.81%

Advanced Metrics

Price/Book: 1.30
PEG Ratio: 4.47
Return on Equity: 16.40%
Return on Assets: 1.32%
Gross Margin: 0.00%
Operating Margin: 52.12%
Profit Margin: 31.76%
Current Ratio: —
Debt/Equity: —
Total Debt: $3.70B
Free Cash Flow: —
Revenue Growth: 35.20%
Earnings Growth: 87.10%
Enterprise Value: $10.00B

ZION Income statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Revenue	$3.15B	$3.12B	$3.13B	$3.38B
Selling, General & Admin	$1.32B	$1.40B	$1.41B	$1.49B
Pretax Income	$1.15B	$886.00M	$1.01B	$1.18B
Income Tax	$245.00M	$206.00M	$228.00M	$276.00M
Net Income	$907.00M	$680.00M	$784.00M	$899.00M
Diluted EPS	5.79	4.35	4.95	6.01
Diluted Shares	150.27M	147.76M	147.22M	147.16M

ZION Balance Sheet statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Cash & Equivalents	$2.00B	$2.20B	$3.50B	$2.88B
Receivables	$386.00M	$383.00M	$377.00M	$367.00M
Total Assets	$89.55B	$87.20B	$88.78B	$88.99B
Long-Term Debt	$647.00M	$538.00M	$946.00M	$1.47B
Total Debt	$7.75B	$2.07B	$3.48B	$3.47B
Total Liabilities	$84.65B	$81.51B	$82.65B	$81.81B
Retained Earnings	$5.81B	$6.21B	$6.70B	$7.33B
Shareholders' Equity	$4.89B	$5.69B	$6.12B	$7.18B
Net Debt	$5.75B	—	—	$583.00M

ZION Cash Flow statement, annual periods, in USD
USD	FY2022	FY2023	FY2024	FY2025
Operating Cash Flow	$1.47B	$885.00M	$1.15B	$1.07B
Capital Expenditure	-$190.00M	-$113.00M	-$97.00M	-$121.00M
Free Cash Flow	$1.28B	$772.00M	$1.05B	$952.00M
Depreciation & Amortisation	$110.00M	$140.00M	$124.00M	$116.00M
Stock-Based Compensation	$30.00M	$33.00M	$33.00M	$35.00M
Investing Cash Flow	$1.41B	$2.37B	-$1.64B	$738.00M
Financing Cash Flow	-$2.81B	-$3.20B	$427.00M	-$1.78B
Dividends Paid	-$269.00M	-$282.00M	-$289.00M	-$267.00M
Share Repurchases	-$202.00M	-$51.00M	-$410.00M	-$41.00M
Net Change in Cash	$62.00M	$59.00M	-$65.00M	$32.00M

ZION Income statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Revenue	$838.00M	$861.00M	$891.00M	$849.00M	—
Selling, General & Admin	$366.00M	$360.00M	$391.00M	$390.00M	—
Pretax Income	$312.00M	$285.00M	$339.00M	$294.00M	—
Income Tax	$68.00M	$63.00M	$76.00M	$61.00M	—
Net Income	$244.00M	$222.00M	$263.00M	$233.00M	—
Diluted EPS	1.63	1.48	1.76	1.56	3.05
Diluted Shares	147.05M	147.13M	147.12M	147.04M	146.21M

ZION Balance Sheet statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Cash & Equivalents	$2.81B	$2.56B	$3.17B	$2.88B	$2.40B
Receivables	$377.00M	$367.00M	$349.00M	$367.00M	$374.00M
Total Assets	$87.99B	$88.89B	$88.53B	$88.99B	$87.96B
Long-Term Debt	$960.00M	$966.00M	$1.47B	$1.47B	$1.96B
Total Debt	$964.00M	$970.00M	$1.47B	$3.47B	$1.96B
Total Liabilities	$81.67B	$82.30B	$81.67B	$81.81B	$80.66B
Retained Earnings	$6.80B	$6.98B	$7.13B	$7.33B	$7.50B
Shareholders' Equity	$6.33B	$6.60B	$6.87B	$7.18B	$7.30B
Net Debt	—	—	—	$583.00M	—

ZION Cash Flow statement, quarterly periods, in USD
USD	Q2 2025	Q3 2025	Q4 2025	Q1 2026	Q2 2026
Operating Cash Flow	$179.00M	-$62.00M	$438.00M	$518.00M	$423.00M
Capital Expenditure	-$27.00M	-$31.00M	-$25.00M	-$38.00M	-$25.00M
Free Cash Flow	$152.00M	-$93.00M	$413.00M	$480.00M	$398.00M
Depreciation & Amortisation	$28.00M	$29.00M	$30.00M	$29.00M	$30.00M
Stock-Based Compensation	$17.00M	$6.00M	$6.00M	$6.00M	$18.00M
Investing Cash Flow	$1.66B	-$631.00M	$359.00M	-$651.00M	$428.00M
Financing Cash Flow	-$1.66B	$640.00M	-$806.00M	$45.00M	-$873.00M
Dividends Paid	-$66.00M	-$65.00M	-$68.00M	-$68.00M	-$68.00M
Share Repurchases	-$41.00M	$0.00	$0.00	$0.00	-$77.00M
Net Change in Cash	$182.00M	-$53.00M	-$9.00M	-$88.00M	-$22.00M

Market Snapshot

About

Zions Bancorporation is a regional bank holding company operating primarily in the Western United States. The company provides a full range of banking and financial services to small and medium-sized businesses and individuals. Zions operates through multiple subsidiary banks across its footprint.