Zions Bancorporation, National Association (ZION)

ZION Cash Flow Statement

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

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Jun 30, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020
Net Income	844	784	680	907	1,129	539
Depreciation & Amortization	118	124	140	110	-14	86
Provision for Credit Losses	71	72	132	122	-276	414
Stock-Based Compensation	32	33	33	30	28	26
Net Change in Loans Held-for-Sale	7	67	-40	48	14	-10
Other Adjustments	-47	-42	48	-89	-80	-87
Changes in Trading Assets	-156	13	22	-93	-107	-83
Changes in Other Operating Activities	-116	97	-130	435	-65	-166
Operating Cash Flow	753	1,148	885	1,470	629	719
Operating Cash Flow Growth	30.28%	29.72%	-39.80%	133.70%	-12.52%	3.16%
Net Change in Short-Term Interbank Lending and Reverse Repurchase Agreements	290	-1,878	1,736	8,650	-5,577	-5,611
Net Change in Loans Held-for-Investment	-2,057	-1,714	-2,103	-4,628	2,814	-4,687
Net Change in Securities and Investments	1,662	2,083	2,682	-2,474	-8,704	-1,856
Payments for Business Acquisitions	-	-	-	318	-	42
Capital Expenditures	-108	-97	-113	-190	-206	-171
Other Investing Activities	-152	-34	168	-271	94	79
Investing Cash Flow	-203	-1,640	2,370	1,405	-11,579	-12,204
Net Change in Deposits	-627	1,262	3,309	-11,567	13,136	12,568
Net Change in Short-Term Interbank Borrowing and Repurchase Agreements	422	-547	-6,038	9,514	-669	-481
Long-Term Debt Issued	-	496	-	-	-	-
Long-Term Debt Repaid	-	-88	-128	-290	-286	-429
Net Long-Term Debt Issued (Repaid)	-	408	-128	-290	-286	-429
Issuance of Common Stock	-	10	3	9	21	8
Repurchase of Common Stock	-	-36	-51	-202	-800	-76
Net Common Stock Issued (Repurchased)	-	-26	-48	-193	-779	-68
Repurchase of Preferred Stock	-	-374	-	-	-126	-
Net Preferred Stock Issued (Repurchased)	-	-374	-	-	-126	-
Common Dividends Paid	-277	-289	-282	-269	-261	-259
Other Financing Activities	-	-7	-9	-8	-13	-8
Financing Cash Flow	-487	427	-3,196	-2,813	11,002	11,323
Net Cash Flow	63	-65	59	62	52	-162
Beginning Cash & Cash Equivalents	717	716	657	595	543	705
Ending Cash & Cash Equivalents	780	651	716	657	595	543
Free Cash Flow	645	1,051	772	1,280	423	548
Free Cash Flow Growth	-38.63%	36.14%	-39.69%	202.60%	-22.81%	-5.52%
FCF Margin	20.32%	34.37%	25.88%	42.24%	13.27%	23.06%
Free Cash Flow Per Share	4.38	7.14	5.22	8.52	2.64	3.31
Levered Free Cash Flow	554	1,282	439	850	422	-258
Unlevered Free Cash Flow	-262	137	-81	262	-392	-334

Updated Jun 30, 2025. Data Source: Fiscal.ai. Banks template. Financial Sources.

SEC Filings: 10-K · 10-Q