Zions Bancorporation N.A. (ZION) Financial Statements
Historical financial data — 40 statements covering FY2016–FY2025
Zions Bancorp is a US regional bank with around $90 billion in total assets as of June 30, 2026. Headquartered in Salt Lake City, Utah, Zions' branch network is in the Western and Southwestern Unit...
Zions Bancorporation N.A.'s revenue decreased 1.0% year over year, from $4.99B to $4.94B.
Net income increased 14.7% over the same period, from $784.0M to $899.0M.
Over the 9-year period from FY2016 to FY2025, revenue grew by 100% in total.
Total debt increased by 54.9% to $1.47B.
The debt-to-equity ratio stands at 0.21, indicating a conservative leverage profile.
Operating cash flow declined 6.5% to $1.07B.
Zions Bancorporation N.A. maintains a healthy net profit margin of 18.2%.
Recent Financial Statements
Quarterly figures are standalone quarters, de-cumulated from YTD filings (Q4 = FY − Q3 YTD when not reported).
| Period | Revenue | Net Income | Gross Profit | EBIT | Op. Cash Flow | Total Assets | Total Debt | Equity |
|---|---|---|---|---|---|---|---|---|
| Q2 FY2024 | $1.25B+3.5% | $201.0M | N/A | N/A | $251.0M | $87.61B | $546.0M | $6.03B |
| Q3 FY2024 | $1.28B+1.9% | $214.0M | N/A | N/A | $119.0M | $87.03B | $548.0M | $6.38B |
| Q4 FY2024 | $1.25B-1.6% | $216.0M | N/A | N/A | $517.0M | $88.78B | $950.0M | $6.12B |
| Q1 FY2025 | $1.20B-4.5% | $170.0M | N/A | N/A | $179.0M | $87.99B | $964.0M | $6.33B |
| Q2 FY2025 | $1.24B+3.5% | $244.0M | N/A | N/A | $-62.0M | $88.89B | $970.0M | $6.60B |
| Q3 FY2025 | $1.25B+1.0% | $222.0M | N/A | N/A | $438.0M | $88.53B | $1.47B | $6.87B |
| Q4 FY2025 | $1.25B-0.3% | $263.0M | N/A | N/A | $518.0M | $88.99B | $1.47B | $7.18B |
| Q1 FY2026 | $1.18B-5.3% | $233.0M | N/A | N/A | $423.0M | $87.96B | $1.96B | $7.30B |
Balance Sheet Summary (Latest Period)
Zions Bancorporation N.A. (ZION) Financial Statements & Revenue History
Zions Bancorporation N.A. (ZION) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry trading at $63.19 with a market capitalization of $9. This page provides 40 historical financial statements for Zions Bancorporation N.A., including income statement, balance sheet, and cash flow data across multiple reporting periods. Most recently, Zions Bancorporation N.A. reported revenue of $4.9 billion, a 1.0% decline from the prior year. The net profit margin of 18.2% reflects strong profitability. The debt-to-equity ratio of 0.21 shows conservative leverage.
ZION Income Statement, Balance Sheet & Cash Flow
The financial statements table above shows Zions Bancorporation N.A.'s revenue, net income, gross profit, EBIT, operating cash flow, total assets, total debt, and shareholders' equity across the most recent reporting periods. Year-over-year growth rates help identify whether ZION is accelerating or decelerating in terms of top-line revenue and bottom-line profitability.
- Revenue trend: Track ZION's top-line growth across quarters and fiscal years to identify acceleration or deceleration in the business.
- Profitability: Net income and gross profit margins reveal how efficiently Zions Bancorporation N.A. converts revenue into earnings.
- Balance sheet health: Total assets, liabilities, debt, and equity provide a snapshot of ZION's financial position and leverage.
- Cash flow: Operating cash flow shows how much cash the business generates from its core operations, which is critical for funding dividends, buybacks, and growth.
How to Use ZION Financial Data
Investors use Zions Bancorporation N.A.'s financial statements to assess the company's financial health, growth trajectory, and valuation. Key metrics to focus on include:
- Revenue growth rate: Consistent double-digit revenue growth suggests a strong business; declining revenue may signal competitive pressure.
- Net profit margin: Higher margins indicate a more efficient business with pricing power. Compare ZION's margins to sector peers for context.
- Debt levels: High debt-to-equity ratios increase financial risk, especially in rising-rate environments. Low debt provides flexibility.
- Valuation multiples: See how ZION's P/E, P/S, and EV/EBITDA ratios compare to historical levels.
- Full analysis: View ZION's financial health score, earnings, and pre-market pricing.
Financial data is sourced from Zions Bancorporation N.A.'s SEC filings (10-K, 10-Q) via Polygon.io and Finnhub.ZION trades on NYSE. This page is for informational purposes only and is not financial advice.