ZION · XBRL financial data
Zions Bancorporation, National Association financial statements, every fiscal year
The same tables from 8 filings, lined up. Matched by XBRL tag: renamed lines keep their history.
How these numbers work
- Every number comes from the company's XBRL financial data filed with the SEC, and each one links to its filing.
- Lines are matched by XBRL tag, so a line renamed between filings keeps its history.
- * marks a quarter worked out from the filing totals: the 10-K year minus the first three quarters, or a year-to-date total minus the earlier one. Fourth-quarter earnings per share is fourth-quarter net income over the fourth-quarter weighted shares.
- 0 means a filing states zero; a dash (—) means no filing states that number.
- “year only” means the 10-K gives the full year but not the quarters needed to work out the fourth. A worked-out quarter of revenue, cost of revenue or operating cash flow more than twice the company's largest quarter of the two years before is shown this way too.
- Gross profit is shown as the company reports it; a worked-out quarter must equal revenue less cost of revenue for that quarter, or it is a dash.
- Operating income can be above gross profit when the company books other operating income between the two, shown on its own line.
- Shares outstanding come from each filing's cover page, as of the date printed there.
- Quarters are fiscal: Q2 FY27 is the second quarter of the company's fiscal 2027.
Income statement
CSVFiscal years (ZION's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Revenue | 549 | 575 | 614 | 620 | 639 | 662 |
| Revenue from contracts with customers | 402 | 449 | 495 | 503 | 513 | 529 |
| Interest income | 304 | 311 | — | — | — | — |
| Interest expense | 152 | 59 | 185 | 1,509 | — | — |
| Income tax expense (benefit) | 133 | 317 | 245 | 206 | 228 | 276 |
| Net income (loss) | 539 | 1,129 | 907 | 680 | 784 | 899 |
| Earnings per share, basic USD per share | 3.06 | 6.80 | 5.80 | 4.35 | 4.95 | 6.01 |
| Earnings per share, diluted USD per share | 3.02 | 6.79 | 5.79 | 4.35 | 4.95 | 6.01 |
| Weighted average shares, basic millions of shares | 164 | 160 | 150 | 148 | 147 | 147 |
| Weighted average shares, diluted millions of shares | 166 | 160 | 150 | 148 | 147 | 147 |
Balance sheet
CSVFiscal years (ZION's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Cash and cash equivalents | 543 | 595 | 657 | 716 | 651 | 683 |
| Property and equipment, net | 1,209 | 1,319 | — | — | — | — |
| Right-of-use asset | 213 | 195 | 173 | 172 | 188 | 207 |
| Goodwill | 1,014 | 1,014 | 1,027 | 1,027 | 1,027 | 1,060 |
| Total assets | 81,479 | 93,200 | 89,545 | 87,203 | 88,775 | 88,990 |
| Total deposits | 69,653 | 82,789 | 71,652 | 74,961 | 76,223 | 75,644 |
| Total liabilities | 73,593 | 85,737 | 84,652 | 81,512 | 82,651 | 81,810 |
| Retained earnings | 4,309 | 5,175 | 5,811 | 6,212 | 6,701 | 7,329 |
| Total stockholders' equity | 7,886 | 7,463 | 4,893 | 5,691 | 6,124 | 7,180 |
| Total liabilities and equity | 81,479 | 93,200 | 89,545 | 87,203 | 88,775 | 88,990 |
| Common shares outstanding (cover page) millions of shares | 164 | 152 | 149 | 148 | 148 | 148 |
Cash flows
CSVFiscal years (ZION's year ends in late December)
| In millions of dollars | Dec 31, 2020 | Dec 31, 2021 | Dec 31, 2022 | Dec 31, 2023 | Dec 31, 2024 | Dec 31, 2025 |
|---|---|---|---|---|---|---|
| Net income (loss) | 539 | 1,129 | 907 | 680 | 784 | 899 |
| Stock-based compensation | 26 | 28 | 30 | 33 | 33 | 35 |
| Net cash from operating activities | 719 | 629 | 1,470 | 885 | 1,148 | 1,073 |
| Purchases of property and equipment | 171 | 206 | 190 | 113 | 97 | 121 |
| Net cash from investing activities | (12,204) | (11,579) | 1,405 | 2,370 | (1,640) | 738 |
| Proceeds from issuing common stock | 8 | 21 | 9 | 3 | 10 | 6 |
| Share repurchases | 76 | 800 | 202 | 51 | 36 | 41 |
| Dividends paid | 259 | 261 | 269 | 282 | 289 | 267 |
| Proceeds from long-term debt | 0 | 0 | 0 | 0 | 496 | 498 |
| Repayments of long-term debt | 429 | 286 | 290 | 128 | 88 | 0 |
| Net cash from financing activities | 11,323 | 11,002 | (2,813) | (3,196) | 427 | (1,779) |
| Net change in cash | (162) | 52 | 62 | 59 | (65) | 32 |
Compare with peers
SIC 6021 and related industry codes, similar size. Each row is the latest quarter reported.
How peers are chosen
- SIC 6021 and related industry codes with public float (or, where float is missing, quarterly revenue) between 0.2x and 5x the company's.
- Each row is the latest quarter the company has reported, named in the Quarter column; when that filing is a 10-K, it is the fourth quarter, never the full year.
- * marks a quarter worked out from the filing totals: for a 10-Q, the year-to-date total less the earlier one.
- A cell reading “not reported” means the filings give no figure for that quarter alone.
| Company | Cash ($M) | Revenue, quarter ($M) | Operating cash flow, quarter ($M) | Shares outstanding | Quarter |
|---|---|---|---|---|---|
| Zions Bancorporation, National Association | 793 | 182 | 422* | 146.0M | 10-QJun 30, 2026 |
| Popular | 375 | not reported | 347* | 63.8M | 10-QJun 30, 2026 |
| Umb Financial | 4,601 | not reported | 370* | 76.0M | 10-QSep 30, 2026 |
| Commerce Bancshares | 2,908 | 0 | 182* | 143.4M | 10-QJun 30, 2026 |
| Cullen/Frost Bankers | 756 | 36 | 293* | 62.2M | 10-QSep 30, 2026 |
| Wintrust Financial | 596 | not reported | 255* | 67.5M | 10-QJun 30, 2026 |
| Old National Bancorp | 1,679 | not reported | 379* | 378.3M | 10-QSep 30, 2026 |
| Western Alliance Bancorporation | 438 | 51 | 770* | 107.6M | 10-QSep 30, 2026 |
| Pinnacle Financial Partners | 545 | not reported | 376* | 151.1M | 10-QSep 30, 2026 |
Not investment advice. Not affiliated with the U.S. SEC.