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Zions Bancorporation (ZION) Financial History

20 years of revenue, earnings, cash-flow and balance-sheet history from public filings.

FINANCIAL SERVICES · BANKS - REGIONAL · DATA UPDATED 2026-09-19

Zions Bancorporation (ZION) operates in the BANKS - REGIONAL industry and is headquartered in Salt Lake City, United States with about 9,039 employees. Its market capitalization is roughly $10 billion. In the fiscal year ended 2025-12-31, ZION reported $4.9B in revenue and $899M in net income.

Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.

Interactive charts & full statements → Open the ZION valuation workbench →

ZION Revenue & Earnings History — Annual Income Statement

Income statement	TTM → 2026-06-30	2025-12-31	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	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Revenue	$5.2B	$4.9B	$5.0B	$4.6B	$3.3B	$3.0B	$2.9B	$3.2B	$3.0B	$2.7B	$2.5B	$2.2B	$2.3B	$2.3B	$2.5B	$2.7B	$2.8B	$3.1B	$3.2B	$3.6B	$3.4B
Gross Profit	$3.7B	$3.3B	$3.1B	$3.0B	$3.0B	$3.2B	$2.4B	$2.8B	$2.8B	$2.6B	$2.3B	$2.0B	$2.3B	$2.1B	$2.1B	$2.2B	$1.3B	$516M	$1.5B	$2.1B	$2.2B
Gross Margin %	71.4%	67.0%	61.3%	64.5%	90.8%	107.3%	80.8%	86.1%	93.0%	94.7%	92.7%	92.8%	96.8%	93.1%	86.9%	81.1%	47.6%	16.4%	47.8%	59.2%	66.6%
Operating Income (EBIT)	$1.5B	$1.2B	$1.0B	$886M	$1.2B	$1.4B	$672M	$1.1B	$1.1B	$936M	$705M	$451M	$621M	$406M	$542M	$521M	($403M)	($1.6B)	($315M)	$737M	$913M
Operating Margin %	29.1%	23.8%	20.3%	19.2%	34.5%	48.7%	22.8%	32.5%	37.7%	34.2%	28.5%	20.6%	26.5%	17.8%	22.0%	19.4%	-14.6%	-51.5%	-9.9%	20.4%	27.1%
Net Income	$1.2B	$899M	$784M	$680M	$907M	$1.1B	$539M	$816M	$884M	$592M	$469M	$309M	$398M	$264M	$350M	$324M	($293M)	($1.2B)	($266M)	$494M	$583M
Net Margin %	22.7%	18.2%	15.7%	14.7%	27.2%	38.0%	18.3%	25.1%	29.1%	21.6%	19.0%	14.1%	17.0%	11.6%	14.2%	12.0%	-10.6%	-38.6%	-8.4%	13.7%	17.3%
EBITDA	$1.6B	$1.3B	$1.1B	$1.0B	$1.3B	$1.4B	$758M	$1.2B	$1.3B	$1.1B	$828M	$537M	$679M	$537M	$727M	$762M	($30M)	($1.4B)	($174M)	$862M	$1.0B
Earnings Per Share (EPS)	$7.98	$6.11	$5.33	$4.60	$6.04	$7.05	$3.25	$4.38	$4.28	$2.82	$2.30	$1.52	$2.07	$1.43	$1.91	$1.77	$-1.76	$-9.77	$-2.44	$4.55	$5.40
Shares Outstanding (M)	146M	147M	147M	148M	150M	160M	166M	187M	207M	210M	204M	204M	193M	184M	183M	183M	166M	124M	109M	109M	108M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ZION Quarterly Revenue & Earnings — Last 8 Quarters

Quarterly income statement	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30
Total Revenue	$1.5B	$1.2B	$1.3B	$1.3B	$1.2B	$1.2B	$1.3B	$1.3B
Gross Profit	$1.1B	$856M	$887M	$812M	$839M	$777M	$779M	$779M
Gross Margin %	76.7%	72.4%	70.9%	64.8%	67.6%	64.8%	62.1%	61.1%
Operating Income (EBIT)	$583M	$294M	$339M	$285M	$312M	$239M	$270M	$277M
Operating Margin %	39.4%	24.9%	27.1%	22.8%	25.1%	19.9%	21.5%	21.7%
Net Income	$453M	$233M	$263M	$222M	$244M	$170M	$216M	$214M
Net Margin %	30.6%	19.7%	21.0%	17.7%	19.7%	14.2%	17.2%	16.8%
EBITDA	$583M	$324M	$368M	$313M	$341M	$267M	$299M	$309M
Earnings Per Share (EPS)	$3.10	$1.58	$1.79	$1.51	$1.66	$1.15	$1.47	$1.45
Shares Outstanding (M)	146M	147M	147M	147M	147M	147M	147M	147M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ZION Free Cash Flow History

Cash flow	TTM → 2026-03-31	2025-12-31	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	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Cash from Operations (CFO)	$1.3B	$1.1B	$1.1B	$885M	$1.5B	$629M	$719M	$697M	$1.2B	$928M	$596M	$464M	$380M	$835M	$736M	$1.1B	$1.5B	$1.1B	$1.2B	$733M	$1.0B
Capital Expenditures (CapEx)	$119M	$121M	$97M	$113M	$190M	$206M	$171M	$117M	$129M	$169M	$196M	$157M	$176M	$89M	$69M	$78M	$79M	$97M	$102M	$103M	$122M
Free Cash Flow (FCF)	$1.2B	$981M	$1.1B	$772M	$1.3B	$423M	$548M	$580M	$1.0B	$759M	$400M	$307M	$205M	$747M	$667M	$991M	$1.4B	$961M	$1.1B	$630M	$925M
FCF Margin %	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Dividends Paid	$269M	$267M	$289M	$282M	$269M	$261M	$259M	$260M	$236M	$129M	$108M	$108M	$96M	$120M	$134M	$156M	$109M	$96M	$196M	$196M	$161M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ZION Quarterly Free Cash Flow — Last 8 Quarters

Quarterly cash flow	2026-06-30	2026-03-31	2025-12-31	2025-09-30	2025-06-30	2025-03-31	2024-12-31	2024-09-30	2024-06-30
Cash from Operations (CFO)	$422M	$463M	$448M	$438M	($62M)	$179M	$517M	$119M	$251M
Capital Expenditures (CapEx)	$33M	$25M	$38M	$25M	$31M	$27M	$28M	$22M	$17M
Free Cash Flow (FCF)	$389M	$438M	$410M	$413M	($93M)	$152M	$489M	$97M	$234M
FCF Margin %	—	—	—	—	—	—	—	—	—
Dividends Paid	—	$68M	$68M	$68M	$65M	$66M	$74M	$72M	$72M

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

ZION Balance Sheet History

Balance sheet	2026-06-30	2025-12-31	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	2015-12-31	2014-12-31	2013-12-31	2012-12-31	2011-12-31	2010-12-31	2009-12-31	2008-12-31	2007-12-31	2006-12-31
Total Assets	$89.0B	$89.0B	$88.8B	$87.2B	$89.5B	$93.2B	$81.5B	$69.2B	$68.7B	$66.3B	$63.2B	$59.7B	$57.2B	$56.0B	$55.5B	$53.1B	$51.0B	$51.1B	$55.1B	$52.9B	$47.0B
Cash & Cash Equivalents	$2.2B	$2.9B	$3.5B	$2.2B	$2.0B	$10.9B	$1.6B	$1.4B	$1.2B	$1.3B	$2.1B	$6.9B	$8.0B	$9.3B	$7.8B	$8.2B	$5.5B	$2.0B	$3.8B	$2.6B	$2.0B
Total Liabilities	$81.4B	$81.8B	$82.7B	$81.5B	$84.7B	$1.0B	$1.3B	$61.8B	$61.2B	$58.6B	$55.6B	$52.2B	$49.8B	$49.6B	$49.5B	$46.2B	$44.4B	$45.4B	$48.6B	$47.6B	$41.9B
Total Debt (Short + Long-Term)	$1.2B	$4.3B	$4.4B	$4.5B	$11.1B	$1.8B	$3.2B	$2.7B	$5.2B	$4.0B	$1.0B	$818M	$1.1B	$2.3B	$2.7B	$2.7B	$2.9B	$3.0B	$6.7B	$10.4B	$6.5B
Total Shareholders' Equity	$7.7B	$7.2B	$6.1B	$5.7B	$4.9B	$92.2B	$80.1B	$7.4B	$7.6B	$7.7B	$7.6B	$7.5B	$7.4B	$6.5B	$6.1B	$7.0B	$6.6B	$5.7B	$6.5B	$5.3B	$5.0B

USD; $M / $B as marked. Newest period first. Source: public company filings (via Yahoo Finance aggregation).

Quarterly statements, profitability ratios, price history, insider activity and institutional holders are in the interactive ZION viewer.

ZION Metric Deep Dives

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CFR · Cullen/Frost Bankers Inc — $10 billion
ONB · Old National Bancorp — $10 billion
WAL · Western Alliance Bancorporation — $9 billion
COLB · Columbia Banking System Inc — $8 billion
PB · Prosperity Bancshares Inc — $8 billion
CBSH · Commerce Bancshares Inc — $8 billion

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