ZIONP Financials ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
14 years of revenue, profit, cash flow and balance-sheet history through FY2025,
from SEC filings — with a computed, factual read of the trend.
Updated Overview →
Growth & profitability
Revenue has grown 5.6% per year over the past 5 years.
Net income has grown faster than revenue (10.8% vs 5.6% per year).
Free cash flow has grown 11.7% per year over the past 5 years.
Financial health
Total debt has grown in line with revenue (4.8% vs 5.6% per year).
Shareholder returns
Dividends have been paid for 11 consecutive years, consuming 29.7% of earnings and 28.0% of free cash flow.
The dividend has grown 0.6% per year over the past 5 years.
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key annual figures
FY
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
2025
$529M
$899M
0.0%
0.0%
$952M
—
$683M
2024
$513M
$784M
0.0%
0.0%
$1.1B
$4.8B
$651M
2023
$503M
$680M
0.0%
0.0%
$772M
$4.9B
$716M
2022
$495M
$907M
0.0%
0.0%
$1.3B
$11.1B
$657M
2021
$449M
$1.1B
0.0%
0.0%
$423M
$1.9B
$595M
2020
$402M
$539M
0.0%
0.0%
$548M
$2.9B
$543M
2019
$414M
$816M
0.0%
0.0%
$580M
$3.8B
$705M
2018
$412M
$884M
0.0%
0.0%
$1.0B
$6.4B
$614M
2013
—
$264M
—
—
$747M
$2.5B
—
2012
—
$350M
—
—
$667M
$2.7B
—
2011
—
$324M
—
—
$991M
$2.6B
—
2010
—
-$293M
—
—
$1.6B
$2.7B
—
2009
—
-$1.2B
—
—
$961M
$2.0B
—
2008
—
-$266M
—
—
$1.1B
—
—
Revenue & net income
RevenueNet income
Margins (gross / operating / net)
GrossOperatingNet
Free cash flow (CFO − capex, quarterly)
Free cash flow
Cash vs total debt
CashTotal debt
Cash flow: operating / investing / financing
OperatingInvestingFinancing
Key quarterly figures
Quarter
Revenue
Net income
Gross M
Op M
FCF
Total debt
Cash
Mar '26
$134M
$233M
0.0%
0.0%
$398M
—
$661M
Dec '25
$133M
$263M
0.0%
0.0%
$480M
—
$683M
Sep '25
$133M
$222M
0.0%
0.0%
$413M
—
$771M
Jun '25
$130M
$244M
0.0%
0.0%
-$93M
—
$780M
Mar '25
$133M
$170M
0.0%
0.0%
$152M
—
$833M
Dec '24
$135M
$216M
0.0%
0.0%
$489M
$4.8B
$651M
Sep '24
$128M
$214M
0.0%
0.0%
$97M
—
$1.1B
Jun '24
$126M
$201M
0.0%
0.0%
$234M
—
$717M
Mar '24
$124M
$153M
0.0%
0.0%
$231M
$544M
$709M
Dec '23
$125M
$126M
0.0%
0.0%
-$274M
$4.9B
$716M
Sep '23
$126M
$175M
0.0%
0.0%
$280M
$540M
$700M
Jun '23
$128M
$175M
0.0%
0.0%
$576M
$538M
$701M
Mar '23
$124M
$204M
0.0%
0.0%
$190M
$663M
$607M
Dec '22
$124M
$284M
0.0%
0.0%
$458M
$11.1B
$657M
Sep '22
$123M
$217M
0.0%
0.0%
$120M
$647M
$549M
Jun '22
$123M
$203M
0.0%
0.0%
$467M
$671M
$559M
Mar '22
$124M
$203M
0.0%
0.0%
$235M
$689M
$700M
Dec '21
$120M
$213M
0.0%
0.0%
$113M
$1.9B
$595M
Sep '21
$116M
$240M
0.0%
0.0%
$111M
$1.0B
$597M
Jun '21
$111M
$354M
0.0%
0.0%
-$232M
$1.3B
$525M
Valuation over time
How the market has priced ZIONP against its own fundamentals since 2023-03 —
each month-end's share price set against the most recent annual filing, so the multiple moves
as price runs ahead of (or behind) earnings. Split-adjusted.
The price-to-earnings ratio has fallen from 3.2× (Mar '23) to 3.1× (Jun '26).
The price-to-sales ratio has fallen from 5.9× (Mar '23) to 5.2× (Jun '26).
The dividend yield has risen from 9.3% (Mar '23) to 9.7% (Jun '26).
Price / earnings (P/E)
P/E
Price / sales (P/S)
P/S
Dividend yield (%)
Dividend yield %
Frequently asked questions
Is ZIONP growing its revenue and profit?
Over the past 5 years, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s revenue has grown 5.6% per year, and net income grown 10.8% per year. These are computed facts, not advice.
How much debt does ZIONP have?
As of FY2025, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported — of total debt against $683M of cash.
What is ZIONP's profit margin?
In FY2025, gross margin was —, operating margin —, and net margin 169.9%.
What is ZIONP's P/E ratio?
As of Jun '26, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ traded at a price-to-earnings ratio of about 3.1× (market cap ÷ latest annual net income). The valuation charts above show how its P/E, P/S and dividend yield have moved with the share price. These are computed facts, not advice.
Where does this data come from?
All figures are extracted from the company’s SEC EDGAR/XBRL filings — 10-K annual reports and 10-Q quarterly reports (use the Annual / Quarterly toggle). Quarterly figures are derived from the as-filed statements (year-to-date amounts are differenced into discrete quarters). Growth rates and ratios are computed by tradmap; nothing here is investment advice.
Source: SEC EDGAR / XBRL (10-K + 10-Q filings) · prices EOD (Databento), corporate-action-adjusted ·
growth rates, valuation multiples & ratios computed by tradmap. Valuation uses each month-end price
against the latest annual filing. Informational only — not investment advice.