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ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

ZION

$70.28 ▼ -0.28 (-0.40%) at close

18 Visible periods

33 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ shows strong fundamentals with top-quartile Return on Common Equity (%) and Profit Margin (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $10.3B

Dividend Yield 2.50%

Revenue Growth 8.1% ↗

Op. Margin —

ROIC None

FCF / Share None

Trailing P/E 11.7x

Price / Book 1.5x

FCF Yield —

Debt / Equity 0.43

info Valuation on last close. End-of-day price, Aug 7, 2026.

18-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$3.38B

↑ +8.1% —

Net Income Profit after all expenses

$899.00M

↑ +14.7% —

Long-Term Debt Long-term obligations

$946.00M

↑ +74.5% —

trending_up

Bullish Indicators

Profit Margin (%)Profit Margin (%) is in the top quartile
Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↓

Returns ↓

Financial Health ↑

Dividend History

Dividend / share · sourced from SEC filings

$1.76 Latest / share

+6.0% YoY

$0.00

FY 2014

$0.00

FY 2015

FY 2016

FY 2017

$1.04

FY 2018

$1.28

FY 2019

$1.36

FY 2020

$1.44

FY 2021

$1.58

FY 2022

$1.64

FY 2023

$1.66

FY 2024

$1.76

FY 2025

Financial view

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📈 Is growth accelerating? 7 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue Growth YoY (%)	8.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+36%)	0.5% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-92%)	-1.2% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-120%)	8.3% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+38%)	4.3% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-28%)	-1.7% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-128%)	2.0% Caution ↓ Caution Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-67%)	6.7% Fair → Fair Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+11%)	9.5% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+58%)	15.0% Good ↑ Good Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+150%)	-5.3% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-188%)	7.6% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+27%)	-5.5% Weak ↑ Weak Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-191%)	-4.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-176%)	4.0% Caution ↑ Caution Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-33%)	-19.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-429%)	24.9% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+316%)	—
EPS Growth YoY (%)	21.4% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	13.8% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	-25.0% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	-14.7% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	122.2% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-30.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	1.1% Caution ↓ Caution Declining Year-over-year change in earnings per share Optimal: > 10%	60.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	35.5% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	66.7% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-28.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	6.3% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	62.9% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	16.9% Good ↑ Good Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	75.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-270.1% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—
Net Income Growth YoY (%)	14.7% Fair ↑ Fair Improving Year-over-year change in net income	15.3% Good ↓ Good Declining Year-over-year change in net income	-25.0% Weak ↓ Weak Declining Year-over-year change in net income	-19.7% Weak ↓ Weak Declining Year-over-year change in net income	109.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-33.9% Weak ↓ Weak Declining Year-over-year change in net income	-7.7% Weak ↓ Weak Declining Year-over-year change in net income	49.3% Excellent ↑ Excellent Improving Year-over-year change in net income	26.2% Excellent → Excellent Stable Year-over-year change in net income	51.5% Excellent ↑ Excellent Improving Year-over-year change in net income	-22.3% Weak ↓ Weak Declining Year-over-year change in net income	51.1% Excellent ↑ Excellent Improving Year-over-year change in net income	-24.5% Weak ↓ Weak Declining Year-over-year change in net income	7.9% Fair ↑ Fair Improving Year-over-year change in net income	N/M	75.9% Excellent Excellent Year-over-year change in net income	-356.7% Weak Weak Year-over-year change in net income	—
FCF Growth YoY (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Revenue CAGR 3Y (%)	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	2.4% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	3.7% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	3.6% Caution ↑ Caution Improving Compound annual revenue growth over 3 years	1.5% Weak ↓ Weak Declining Compound annual revenue growth over 3 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 3 years	6.0% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	10.3% Good ↑ Good Improving Compound annual revenue growth over 3 years	6.0% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	5.4% Fair ↑ Fair Improving Compound annual revenue growth over 3 years	-1.2% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-1.0% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-2.1% Weak ↑ Weak Improving Compound annual revenue growth over 3 years	-7.3% Weak Weak Compound annual revenue growth over 3 years	1.4% Weak Weak Compound annual revenue growth over 3 years	—	—	—
Revenue CAGR 5Y (%)	3.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	2.0% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	2.3% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	3.9% Caution ↓ Caution Declining Compound annual revenue growth over 5 years	4.1% Fair ↓ Fair Declining Compound annual revenue growth over 5 years	6.1% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	5.3% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	6.5% Fair ↑ Fair Improving Compound annual revenue growth over 5 years	3.9% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	1.1% Caution ↑ Caution Improving Compound annual revenue growth over 5 years	-0.9% Weak ↑ Weak Improving Compound annual revenue growth over 5 years	-4.1% Weak Weak Compound annual revenue growth over 5 years	-1.2% Weak Weak Compound annual revenue growth over 5 years	—	—	—	—	—
EPS CAGR 3Y (%)	1.2% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	-10.0% Weak ↓ Weak Declining Compound annual EPS growth over 3 years	12.4% Good ↑ Good Improving Compound annual EPS growth over 3 years	9.6% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	16.0% Excellent ↓ Excellent Declining Compound annual EPS growth over 3 years	4.1% Caution ↓ Caution Declining Compound annual EPS growth over 3 years	30.2% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	53.7% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	17.3% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	8.2% Fair ↓ Fair Declining Compound annual EPS growth over 3 years	7.4% Fair Fair Compound annual EPS growth over 3 years	26.5% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—

💰 Are margins durable? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Profit Margin (%) (%)	26.6% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+21%)	25.0% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+14%)	21.8% Excellent ↓ Excellent Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	28.8% Excellent → Excellent Stable Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	38.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+76%)	19.3% Good ↓ Good Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-12%)	28.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+31%)	31.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+44%)	22.7% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: At sector avg	19.7% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-11%)	14.9% Fair ↓ Fair Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-32%)	18.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	13.0% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-41%)	16.2% Good ↑ Good Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-26%)	14.4% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-35%)	-13.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-161%)	-45.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-305%)	-12.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-156%)
FCF Margin (%) (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
FCF / Net Income (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Return on Invested Capital (%) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Return on Capital (%) (%)	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.7% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	12.5% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	12.8% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+7%)	11.9% Fair ↓ Fair Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	18.5% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+54%)	15.1% Good ↑ Good Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+26%)	6.8% Caution ↓ Caution Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	11.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-8%)	11.7% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: At sector avg	—	—	—	—	4.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	5.8% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-52%)	4.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-61%)	-4.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-137%)	-21.4% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-278%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Debt to Equity (x)	0.43x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-64%)	0.78x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-35%)	0.86x Fair ↓ Fair Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-28%)	2.26x Weak ↑ Weak Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Above avg (+89%)	0.26x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-79%)	0.37x Good ↓ Good Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.51x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-57%)	0.75x Fair Fair Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-38%)	—	—	—	—	0.39x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-67%)	0.44x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-63%)	0.37x Good ↑ Good Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-69%)	0.29x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-76%)	0.36x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-70%)	—
Interest Coverage (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Net Debt (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Debt / EBITDA (x) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A

📊 What does each share earn? 8 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Revenue per Share (USD)	$23.01	$21.26	$21.08	$21.00	$18.20	$17.05	$16.13	$14.38	$12.99	$11.69	$10.20	$11.39	$11.06	$11.75	$12.36	$13.06	$21.71	$19.85
Basic EPS, GAAP (USD)	$6.01	$4.95	$4.35	$5.80	$6.80	$3.06	$4.41	$4.36	$2.71	$2.00	$1.20	$1.68	$1.58	$0.97	$0.83	$-2.48	$-9.92	$-2.68
Free Cash Flow per Share (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
Dividend per Share (USD)	$1.76	$1.66	$1.64	$1.58	$1.44	$1.36	$1.28	$1.04	—	—	$0.00	$0.00	$0.00	$0.04	$0.04	$0.04	$0.10	$1.61
Book Value per Share (USD)	$48.63	$41.41	$38.41	$32.91	$49.22	$48.06	$44.55	$39.14	—	—	—	—	$35.00	$32.86	$37.94	$36.37	$37.84	—
Tangible Book Value per Share (USD)	$41.24	$34.30	$31.26	$25.75	$42.53	$41.88	$38.40	$33.91	—	—	—	—	$29.32	$27.07	$32.05	$30.34	$30.34	—
Basic Weighted Avg Shares (shares)	147.12M	147.21M	147.75M	150.06M	159.91M	163.74M	175.98M	193.59M	200.78M	203.85M	203.26M	192.21M	183.84M	183.08M	182.39M	166.05M	124.44M	108.91M
Dividend Payout Ratio (%)	—	—	37.7% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	27.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	21.2% Excellent ↓ Excellent Declining Dividends paid as a percentage of earnings Optimal: 30-60%	44.4% Good ↑ Good Improving Dividends paid as a percentage of earnings Optimal: 30-60%	29.0% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	23.9% Excellent Excellent Dividends paid as a percentage of earnings Optimal: 30-60%	—	—	—	—	—	—	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Working Capital (USD) N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A	N/A
LT Debt (USD)	—	$946.00M	$542.00M	$651.00M	$1.01B	$1.34B	$1.72B	—	$383.00M	$535.00M	$812.37M	$1.09B	$2.27B	$2.34B	$1.95B	$1.94B	$2.03B	—
Total Equity (USD)	$7.18B	$6.12B	$5.69B	$4.89B	$7.46B	$7.89B	$7.35B	$7.58B	—	—	—	—	$6.46B	$6.05B	$6.99B	$6.65B	$5.69B	—

📋 What is driving earnings? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Sales/Revenue/Turnover (USD)	$3.38B	$3.13B	$3.12B	$3.15B	$2.91B	$2.79B	$2.84B	$2.78B	$2.61B	$2.38B	$2.07B	$2.19B	$2.03B	$2.15B	$2.25B	$2.17B	$2.70B	$2.16B
Net Income, GAAP (USD)	$899.00M	$784.00M	$680.00M	$907.00M	$1.13B	$539.00M	$816.00M	$884.00M	$592.00M	$469.00M	$309.47M	$398.46M	$263.79M	$349.52M	$323.80M	$-292.73M	$-1.22B	$-266.27M
Operating Cash Flow (USD)	$1.07B	$1.15B	$885.00M	$1.47B	$629.00M	$719.00M	$697.00M	$1.18B	$928.00M	$596.00M	$464.35M	$454.32M	$876.57M	$736.20M	$1.13B	$1.46B	$1.06B	$1.18B

🏛️ Sector-Specific 2 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗	FY 2017 Dec 31, 2017 10-K ↗	FY 2016 Dec 31, 2016 10-K ↗	FY 2015 Dec 31, 2015 10-K ↗	FY 2014 Dec 31, 2014 10-K ↗	FY 2013 Dec 31, 2013 10-K ↗	FY 2012 Dec 31, 2012 10-K ↗	FY 2011 Dec 31, 2011 10-K ↗	FY 2010 Dec 31, 2010 10-K ↗	FY 2009 Dec 31, 2009 10-K ↗	FY 2008 Dec 31, 2008 10-K ↗
Net Interest Margin (approx.) (%)	3.0%	2.7%	2.8%	2.8%	2.4%	2.7%	3.3%	—	3.1%	3.0%	2.9%	2.9%	3.0%	3.1%	3.3%	3.4%	3.7%	—
Efficiency Ratio (%) (%)	63.2%	65.4%	67.3%	59.6%	59.8%	61.1%	61.5%	60.4%	63.2%	66.5%	76.3%	76.1%	84.3%	74.2%	73.6%	79.3%	61.9%	68.2%

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 18 years · 68 quarters

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

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18-Year Financial Trajectory

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