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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
-$1B -$44M $1B $0 2008 2010 2012 2018 2020 2022 2024
RevenueNet income
Margins (gross / operating / net)
0% 126% 251% 2008 2010 2012 2018 2020 2022 2024
GrossOperatingNet
Free cash flow (CFO − capex)
$0 $775M $2B 2008 2010 2012 2018 2020 2022 2024
Free cash flow
Cash vs total debt
$0 $6B $11B 2008 2010 2012 2018 2020 2022 2024
CashTotal debt
Cash flow: operating / investing / financing
-$12B -$441M $11B $0 2008 2010 2012 2018 2020 2022 2024
OperatingInvestingFinancing

Key annual figures

FYRevenueNet incomeGross MOp MFCFTotal debtCash
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

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.

Price / earnings (P/E)
0.0 2.6 5.1 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/E
Price / sales (P/S)
0.0 3.4 6.9 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
P/S
Dividend yield (%)
0.0 5.1 10.3 Mar '23 Aug '23 Jan '24 Jun '24 Nov '24 Apr '25 Sep '25 Feb '26
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.