Zions Bancorporation, National Association (ZION)
NASDAQ: ZION · Real-Time Price · USD
68.29
-2.64 (-3.72%)
Aug 19, 2026, 4:00 PM EDT - Market closed
ZION Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 1,171 | 899 | 784 | 680 | 907 | 1,129 |
Depreciation & Amortization | 116 | 116 | 124 | 140 | 110 | -14 |
Gain (Loss) on Sale of Investments | -249 | - | - | - | - | - |
Provision for Credit Losses | 51 | 72 | 72 | 132 | 122 | -276 |
Change in Trading Asset Securities | -139 | -29 | 13 | 22 | -93 | -107 |
Change in Other Net Operating Assets | 866 | 3 | 164 | -170 | 483 | -51 |
Other Operating Activities | -51 | -23 | -42 | 48 | -89 | -80 |
Operating Cash Flow | 1,801 | 1,073 | 1,148 | 885 | 1,470 | 629 |
Operating Cash Flow Growth | 139.18% | -6.53% | 29.72% | -39.80% | 133.70% | -12.52% |
Investing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -121 | -121 | -97 | -113 | -190 | -206 |
Cash Acquisitions | - | 191 | - | - | 318 | - |
Investment in Securities | 1,559 | 1,942 | 159 | 4,601 | 5,878 | -14,218 |
Net Decrease (Increase) in Loans Originated / Sold - Investing | -2,204 | -1,255 | -1,714 | -2,103 | -4,628 | 2,814 |
Other Investing Activities | 214 | -19 | 12 | -15 | 27 | 31 |
Investing Cash Flow | -552 | 738 | -1,640 | 2,370 | 1,405 | -11,579 |
Financing Activities
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | - | - | - | 9,514 | - |
Long-Term Debt Issued | - | 498 | 496 | - | - | - |
Total Debt Issued | -1,244 | 498 | 496 | - | 9,514 | - |
Short-Term Debt Repaid | - | -728 | -547 | -6,038 | - | -669 |
Long-Term Debt Repaid | - | - | -88 | -128 | -290 | -286 |
Total Debt Repaid | -2,381 | -728 | -635 | -6,166 | -290 | -955 |
Net Debt Issued (Repaid) | -3,625 | -230 | -139 | -6,166 | 9,224 | -955 |
Issuance of Common Stock | 19 | 6 | 10 | 3 | 9 | 21 |
Repurchase of Common Stock | -152 | -41 | -36 | -51 | -202 | -800 |
Preferred Share Repurchases | - | - | -374 | - | - | -126 |
Common Dividends Paid | -268 | -263 | -248 | - | -240 | -232 |
Preferred Dividends Paid | -4 | -4 | -41 | - | -29 | -29 |
Total Dividends Paid | -272 | -267 | -289 | -282 | -269 | -261 |
Net Increase (Decrease) in Deposit Accounts | 2,808 | -1,236 | 1,262 | 3,309 | -11,567 | 13,136 |
Other Financing Activities | -14 | -11 | -7 | -9 | -8 | -13 |
Financing Cash Flow | -1,236 | -1,779 | 427 | -3,196 | -2,813 | 11,002 |
Net Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Net Cash Flow | 13 | 32 | -65 | 59 | 62 | 52 |
Free Cash Flow
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 1,680 | 952 | 1,051 | 772 | 1,280 | 423 |
Free Cash Flow Growth | 160.47% | -9.42% | 36.14% | -39.69% | 202.60% | -22.81% |
Free Cash Flow Margin | 45.57% | 28.73% | 34.37% | 25.88% | 42.24% | 13.27% |
Free Cash Flow Per Share | 11.44 | 6.47 | 7.14 | 5.22 | 8.52 | 2.64 |
Additional Metrics
Fiscal Year | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|---|
Period Ending | Jun '26 Jun 30, 2026 | Dec '25 Dec 31, 2025 | Dec '24 Dec 31, 2024 | Dec '23 Dec 31, 2023 | Dec '22 Dec 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | 1,406 | 1,567 | 1,905 | 1,368 | 160 | 81 |
Cash Income Tax Paid | 205 | 196 | 192 | 255 | 21 | 442 |