Zions Bancorporation, National Association (ZION)

ZION Income Statement

Financials in millions USD. Fiscal year is January - December.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021
Net Interest Income	2,627	2,430	2,438	2,520	2,208
Net Interest Income Growth	8.11%	-0.33%	-3.25%	14.13%	-0.36%
Non-Interest Income	758	700	677	632	703
Non-Interest Income Growth	8.29%	3.40%	7.12%	-10.10%	22.47%
Revenues Before Loan Losses	3,385	3,130	3,115	3,152	2,911
Provision for Credit Losses	72	72	132	122	-276
Revenue	3,313	3,058	2,983	3,030	3,187
Revenue Growth (YoY)	8.34%	2.51%	-1.55%	-4.93%	34.13%
Compensation Expenses	1,350	1,287	1,275	1,235	1,127
Selling, General & Admin	567	530	508	457	467
Other Non-Interest Expenses	221	229	314	186	147
Total Non-Interest Expense	2,138	2,046	2,097	1,878	1,741
Pretax Income	1,175	1,012	886	1,152	1,446
Provision for Income Taxes	276	228	206	245	317
Net Income	895	737	648	878	1,100
Net Income Attributable to Preferred Dividends	4	47	32	29	29
Net Income to Common	895	737	648	878	1,100
Net Income Growth	21.44%	13.73%	-26.20%	-20.18%	117.82%
Shares Outstanding (Basic)	147	147	148	150	160
Shares Outstanding (Diluted)	147	147	148	150	160
Shares Change (YoY)	-0.04%	-0.37%	-1.67%	-6.22%	-3.25%
EPS (Basic)	6.01	4.95	4.35	5.80	6.80
EPS (Diluted)	6.01	4.95	4.35	5.79	6.79
EPS Growth	21.41%	13.79%	-24.87%	-14.73%	124.83%
Free Cash Flow	952	1,051	772	1,280	423
Free Cash Flow Growth	-9.42%	36.14%	-39.69%	202.60%	-22.81%
Free Cash Flow Per Share	6.47	7.14	5.22	8.52	2.64
Dividends Per Share	1.760	1.660	1.640	1.580	1.440
Dividend Growth	6.02%	1.22%	3.80%	9.72%	5.88%
Profit Margin	27.14%	25.64%	22.80%	29.93%	35.43%
FCF Margin	28.74%	34.37%	25.88%	42.24%	13.27%
EBITDA	116	124	140	110	-14
EBITDA Margin	3.50%	4.05%	4.69%	3.63%	-0.44%
Effective Tax Rate	23.49%	22.53%	23.25%	21.27%	21.92%

Updated Jan 20, 2026. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q