Zions Bancorporation, National Association /Ut/
ZION Nasdaq· National Commercial Banks
Last close · Oct 23, 2026
$66.20
KIRA · Stoqly’s AI analyst, in plain words
- Zions Bancorporation, National Association /Ut/ had $662M of revenue in fiscal 2025, up 3.6% on the year before. Over five years, revenue changed +3.8% a year on average.
- Zions Bancorporation, National Association /Ut/ made $899M of net profit in fiscal 2025. From fiscal 2016 to 2025, diluted EPS grew 13.1% a year.
- Zions Bancorporation, National Association /Ut/ returned $308M to shareholders in fiscal 2025, 32% of free cash flow. The diluted share count fell 0.0%.
- It earned 13.5% on shareholders’ money. Running costs took 323.0% of revenue (the efficiency ratio; lower is better).
Market cap
$9.7B
P/E
8.4x
Revenue
$662M
Net income
$899M
Return on equity
13.5%
Efficiency ratio
323.0%
Zions Bancorporation, National Association /Ut/ in 30 seconds · fiscal 2025
Are sales growing?
+3.6%
Only a little. Sales grew 3.6% last year.
Does it make a profit?
135.8%
Yes. It keeps 135.8% of every sale as profit.
How lean are its costs?
323.0%
Costly. Running costs take 323.0% of revenue.
How much does it earn on its capital?
13.5%
Good. It earns 13.5% a year on shareholders’ money.
How is the share priced?
8.4x
One share costs 8.4 times its yearly profit per share.
What Zions Bancorporation, National Association /Ut/ does
No business description yet.
- Fiscal year ends
- December 31, 2025
- Latest annual report
- 10-K · Feb 24, 2026
- Legal name
- ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- CIK
- 0000109380
Zions Bancorporation, National Association /Ut/ · ZION
Results and finances
The last 5 fiscal years. Amounts in USD.
| Fiscal year | FY21 | FY22 | FY23 | FY24 | FY25 |
|---|---|---|---|---|---|
| Sales and profit | |||||
| Revenue | $575M | $614M | $616M | $639M | $662M |
| Revenue growth | 4.7% | 6.8% | 0.3% | 3.7% | 3.6% |
| Net interest income | $2.2B | $2.5B | $2.4B | $2.4B | $2.6B |
| Net income | $1.1B | $907M | $680M | $784M | $899M |
| Net margin | 196.3% | 147.7% | 110.4% | 122.7% | 135.8% |
| Diluted EPS | $6.79 | $5.79 | $4.35 | $4.95 | $6.01 |
| Cash | |||||
| Cash from operations | $629M | $1.5B | $885M | $1.1B | $1.1B |
| Capital expenditure | $206M | $190M | $113M | $97.0M | $121M |
| Free cash flow | $423M | $1.3B | $772M | $1.1B | $952M |
| FCF margin | 73.6% | 208.5% | 125.3% | 164.5% | 143.8% |
| Dividends paid | $261M | $269M | $282M | $289M | $267M |
| Share buybacks | $800M | $202M | $51.0M | $36.0M | $41.0M |
| Share count change | −3.2% | −6.2% | −1.7% | −0.4% | −0.0% |
| Debt and strength | |||||
| Cash and short-term investments | $595M | $657M | $716M | $651M | $683M |
| Debt incl. finance leases | $1.9B | $11.1B | $4.9B | $4.8B | $4.6B |
| Loans, net | $50.3B | $55.1B | $57.1B | $58.7B | $60.2B |
| Deposits | $82.8B | $71.7B | $75.0B | $76.2B | $75.6B |
| Shareholders' equity | $7.5B | $4.9B | $5.7B | $6.1B | $7.2B |
| Returns and quality | |||||
| Return on equity | 14.7% | 14.7% | 12.8% | 13.3% | 13.5% |
| Return on tangible equity | 17.1% | 22.9% | 14.0% | 14.5% | 14.7% |
| Efficiency ratio | 302.8% | 305.9% | 340.4% | 320.2% | 323.0% |
| Piotroski F-score | 5 | 5 | 6 | 7 | 7 |
Insiders bought, 12 months
$0.3M
1 insider
Insiders sold, 12 months
$10.1M
7 insiders
Of sales under plans
0%
$0.0M
How to read these numbers
- Revenue:
- Total sales reported in the income statement.
- Net income:
- Profit after all expenses, interest and tax.
- Efficiency ratio:
- Noninterest expense as a share of revenue. Lower is better for banks.
- Return on equity:
- Net income as a share of average shareholders' equity.
- Return on tangible equity:
- Net income to common over equity minus goodwill and intangibles.
- Diluted EPS:
- Net income per diluted share.
Zions Bancorporation, National Association /Ut/ · ZION
Charts and comparison
Ten years at a glance, and how it stacks up against similar companies.
Revenue
Net income
Return on equity and efficiency ratio
Loans and deposits
Dividends and buybacks
Diluted EPS
KIRA
At $66.20 a share, the company is worth $9.7B: 8.4 times its earnings of the last four quarters.
Source: SEC EDGAR XBRL filings (CIK 0000109380). Data updated October 24, 2026. For information only — not investment advice. Check the original filings before relying on any figure.