ZION Income Statement

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

Millions USD. Fiscal year is Jan - Dec.

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 Interest Income	2,694	2,627	2,430	2,438	2,520	2,208
Net Interest Income Growth	6.95%	8.11%	-0.33%	-3.25%	14.13%	-0.36%
Non-Interest Income	1,044	758	700	677	632	703
Non-Interest Income Growth	43.80%	8.29%	3.40%	7.12%	-10.10%	22.47%
Revenues Before Loan Losses	3,738	3,385	3,130	3,115	3,152	2,911
Provision for Credit Losses	51	72	72	132	122	-276
Revenue	3,687	3,313	3,058	2,983	3,030	3,187
Revenue Growth (YoY)	16.16%	8.34%	2.51%	-1.55%	-4.93%	34.13%
Compensation Expenses	1,377	1,350	1,287	1,275	1,235	1,127
Selling, General & Admin	602	567	530	508	457	467
Other Non-Interest Expenses	207	221	229	314	186	147
Total Non-Interest Expense	2,186	2,138	2,046	2,097	1,878	1,741
Pretax Income	1,501	1,175	1,012	886	1,152	1,446
Provision for Income Taxes	330	276	228	206	245	317
Net Income	1,171	899	784	680	907	1,129
Net Income Attributable to Preferred Dividends	4	4	47	32	29	29
Net Income to Common	1,167	895	737	648	878	1,100
Net Income Growth	43.02%	21.44%	13.73%	-26.20%	-20.18%	117.82%
Shares Outstanding (Basic)	147	147	147	148	150	160
Shares Outstanding (Diluted)	147	147	147	148	150	160
Shares Change (YoY)	-0.24%	-0.04%	-0.37%	-1.67%	-6.22%	-3.25%
EPS (Basic)	7.85	6.01	4.95	4.35	5.80	6.80
EPS (Diluted)	7.85	6.01	4.95	4.35	5.79	6.79
EPS Growth	43.51%	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	1.800	1.760	1.660	1.640	1.580	1.440
Dividend Growth	5.88%	6.02%	1.22%	3.80%	9.72%	5.88%
Profit Margin	31.76%	27.14%	25.64%	22.80%	29.93%	35.43%
FCF Margin	-	28.74%	34.37%	25.88%	42.24%	13.27%
Effective Tax Rate	21.99%	23.49%	22.53%	23.25%	21.27%	21.92%

SEC Filings: 10-K · 10-Q