What is Zions Bancorporation N A's earnings per share (EPS)?

Zions Bancorporation N A (ZION) reported diluted earnings per share of $6.01 for fiscal year 2025. This represents a 21.4% change compared to the previous fiscal year. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

Zions Bancorporation N A Financials

ZION

FY2025 annual

Revenue $662.0M +3.6% YoY

Net Income $899.0M +14.7% YoY

EPS (Diluted) $6.01 +21.4% YoY

Free Cash Flow $952.0M -9.4% YoY

Source SEC Filings (10-K/10-Q) Data as of Jun 30, 2026 Currency USD FYE December

Zions Bancorporation N A (ZION) reported $662.0M in revenue for fiscal year 2025, up 3.6% from the prior fiscal year. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI ZION FY2025 2026-08-15

A liability-funded balance sheet pairs modest asset returns with large cash generation, while equity rebuilding changes the leverage profile.

FY2025 operating cash flow was $1.07B and free cash flow was $952M, a close conversion showing that most internally generated cash remained after investment. Capital expenditures were only $121M, so reinvestment consumed a relatively small share of operating cash rather than absorbing it.

Equity increased to $7.18B in FY2025 from $5.69B in FY2023. Liabilities were $81.5B in FY2025, so the improvement came more through capital rebuilding than balance-sheet shrinkage.

Return on assets recovered to 1.0% in FY2025 from 0.8% in FY2023, indicating improved but still modest asset productivity. Debt-to-equity rose to 0.2x from 0.1x, showing that the stronger equity base did not eliminate increased reliance on debt.

Financial Health Signals

Financial Health Score 34/100

Scored as: Banks peer group

Scored against banks for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →

Health score ≠ stock price. This rates the quality of Zions Bancorporation N A's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.

Earnings

Growth

Capital

Efficiency

Credit Quality

Not available for Zions Bancorporation N A, and counted as zero in the overall score.

Stability

Piotroski F-Score Partial

6/7

Zions Bancorporation N A passes 6 of 7 computable financial strength tests (2 of the nine could not be computed from available data). All 4 profitability signals pass (positive income, cash flow, and earnings quality), 1 of 2 leverage/liquidity signals pass, both operating efficiency signals pass.

Earnings Quality Cash-Backed

1.19x

For every $1 of reported earnings, Zions Bancorporation N A generates $1.19 in operating cash flow ($1.1B OCF vs $899.0M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Key Financial Metrics

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Earnings & Revenue

Revenue

$662.0M

YoY+3.6%

5Y CAGR-25.0%

10Y CAGR-9.7%

Zions Bancorporation N A generated $662.0M in revenue in fiscal year 2025. This represents an increase of 3.6% from the prior year.

Net Income

$899.0M

YoY+14.7%

5Y CAGR+10.8%

10Y CAGR+11.3%

Zions Bancorporation N A reported $899.0M in net income in fiscal year 2025. This represents an increase of 14.7% from the prior year.

EPS (Diluted)

$6.01

YoY+21.4%

5Y CAGR+14.8%

10Y CAGR+17.5%

Zions Bancorporation N A earned $6.01 per diluted share (EPS) in fiscal year 2025. This represents an increase of 21.4% from the prior year.

EBITDA

Not reported for fiscal year 2025.

Cash & Balance Sheet

Free Cash Flow

$952.0M

YoY-9.4%

5Y CAGR+11.7%

10Y CAGR+12.0%

Zions Bancorporation N A generated $952.0M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 9.4% from the prior year.

Cash & Debt

$683.0M

YoY+4.9%

5Y CAGR+4.7%

Zions Bancorporation N A held $683.0M in cash against $1.5B in long-term debt as of fiscal year 2025.

Dividends Per Share

$1.76

YoY+6.0%

5Y CAGR+5.3%

Zions Bancorporation N A paid $1.76 per share in dividends in fiscal year 2025. This represents an increase of 6.0% from the prior year.

Shares Outstanding

148M

YoY0.0%

5Y CAGR-2.1%

10Y CAGR-3.2%

Zions Bancorporation N A had 148M shares outstanding in fiscal year 2025. That is unchanged from the prior year.

Margins & Returns

Return on Equity

12.5%

YoY-0.3pp

5Y CAGR+5.7pp

10Y CAGR+8.4pp

Zions Bancorporation N A's ROE was 12.5% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 0.3 percentage points from the prior year.

Gross Margin

Not reported for fiscal year 2025.

Operating Margin

Not reported for fiscal year 2025.

Net Margin

Not shown for fiscal year 2025: the reported ratio is above 100.0% of revenue, so it does not read as a share of revenue.

Capital Allocation

Share Buybacks

$41.0M

YoY+13.9%

5Y CAGR-11.6%

10Y CAGR+19.3%

Zions Bancorporation N A spent $41.0M on share buybacks in fiscal year 2025, returning capital to shareholders by reducing shares outstanding. This represents an increase of 13.9% from the prior year.

Capital Expenditures

$121.0M

YoY+24.7%

5Y CAGR-6.7%

10Y CAGR-2.6%

Zions Bancorporation N A invested $121.0M in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents an increase of 24.7% from the prior year.

R&D Spending

Not reported for fiscal year 2025.

ZION Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

ZION annual income statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Revenue	$1.6B	$662.0M+3.6%	$639.0M-79.5%	$3.1B-1.2%	$3.2B+8.3%	$2.9B+4.3%	$2.8B-1.7%	$2.8B+2.0%	$2.8B+27.0%	$2.2B+12.2%	$2.0B+6.6%	$1.8B-1.1%	$1.9B-4.6%	$1.9B-4.8%	$2.0B-6.8%	$2.2B
SG&A Expenses	$1.6B	$1.4B+4.9%	$1.3B+0.9%	$1.3B+3.2%	$1.2B+9.6%	$1.1B+3.7%	$1.1B-4.7%	$1.1B+6.6%	$1.1B+6.4%	$1.0B+2.9%	$978.0M+0.5%	$973.0M+1.7%	$956.4M+4.8%	$912.9M+3.1%	$885.7M+1.3%	$874.3M
Interest Expense	$1.8B	$1.6B-16.4%	$1.9B+23.5%	$1.5B+715.7%	$185.0M+213.6%	$59.0M-61.2%	$152.0M-63.0%	$411.0M+63.7%	$251.0M+97.6%	$127.0M+46.0%	$87.0M-26.3%	$118.0M-31.8%	$173.0M-29.4%	$245.1M-20.1%	$306.8M-29.1%	$432.4M
Income Tax	N/A	$276.0M+21.1%	$228.0M+10.7%	$206.0M-15.9%	$245.0M-22.7%	$317.0M+138.3%	$133.0M-43.9%	$237.0M-8.5%	$259.0M-24.7%	$344.0M+45.8%	$236.0M+66.2%	$142.0M-36.3%	$223.0M+55.9%	$143.0M-26.1%	$193.4M-2.6%	$198.6M
Net Income	$1.2B	$899.0M+14.7%	$784.0M+15.3%	$680.0M-25.0%	$907.0M-19.7%	$1.1B+109.5%	$539.0M-33.9%	$816.0M-7.7%	$884.0M+49.3%	$592.0M+26.2%	$469.0M+51.8%	$309.0M-22.5%	$398.5M+51.1%	$263.8M-24.5%	$349.5M+7.9%	$323.8M
EPS (Diluted)	$7.85	$6.01+21.4%	$4.95+13.8%	$4.35-24.9%	$5.79-14.7%	$6.79+124.8%	$3.02-27.4%	$4.16+2.0%	$4.08+56.9%	$2.60+30.7%	$1.99+65.8%	$1.20-28.6%	$1.68+6.3%	$1.58	$0.97+16.9%	$0.83

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Revenue	$182.0M+5.8%	$172.0M-83.5%	$1.0B+538.7%	$163.0M-0.6%	$164.0M+3.8%	$158.0M-85.1%	$1.1B+559.6%	$161.0M
SG&A Expenses	$344.0M-4.7%	$361.0M-33.9%	$546.0M+62.0%	$337.0M+0.3%	$336.0M-1.8%	$342.0M-32.8%	$509.0M+60.6%	$317.0M
Interest Expense	$342.0M+2.4%	$334.0M-51.1%	$683.0M+74.2%	$392.0M-2.7%	$403.0M-0.2%	$404.0M-35.6%	$627.0M+29.5%	$484.0M
Income Tax	$130.0M+113.1%	$61.0M	N/A	$63.0M-7.4%	$68.0M-1.4%	$69.0M	N/A	$63.0M
Net Income	$453.0M+94.4%	$233.0M-11.4%	$263.0M+18.5%	$222.0M-9.0%	$244.0M+43.5%	$170.0M-21.3%	$216.0M+0.9%	$214.0M
EPS (Diluted)	$3.05+95.5%	$1.56-11.4%	$1.76+18.9%	$1.48-9.2%	$1.63+44.2%	$1.13-15.7%	$1.34-2.2%	$1.37

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, Operating Income.

TTM is the trailing twelve months, Q3 FY2025 through Q2 FY2026, summed from the four most recent quarterly filings. A row marked — cannot be summed at all, because a quarter in the window reports no per-share figure; a row marked N/A could be summed, but a quarter in the window does not report that metric.

ZION Balance Sheet

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

ZION annual balance sheet

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Total Assets	$88.7B-0.1%	$88.8B+1.8%	$87.2B-2.6%	$89.5B-3.9%	$93.2B+14.4%	$81.5B+17.8%	$69.2B+0.6%	$68.7B+3.7%	$66.3B+4.8%	$63.2B+6.0%	$59.7B+4.3%	$57.2B+2.1%	$56.0B+0.9%	$55.5B+4.4%	$53.1B
Cash & Equivalents	$683.0M+4.9%	$651.0M-9.1%	$716.0M+9.0%	$657.0M+10.4%	$595.0M+9.6%	$543.0M-23.0%	$705.0M+14.8%	$614.0M+12.0%	$548.0M	N/A	N/A	N/A	N/A	N/A	N/A
Goodwill	$1.1B+3.2%	$1.0B0.0%	$1.0B0.0%	$1.0B+1.3%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B0.0%	$1.0B-0.1%	$1.0B
Total Liabilities	$81.5B-1.4%	$82.7B+1.4%	$81.5B-3.7%	$84.7B-1.3%	$85.7B+16.5%	$73.6B+19.0%	$61.8B+1.1%	$61.2B+4.4%	$58.6B+5.4%	$55.6B+6.6%	$52.2B+4.7%	$49.8B+0.6%	$49.6B+0.2%	$49.5B+7.1%	$46.2B
Long-Term Debt	$1.5B+54.9%	$950.0M+75.3%	$542.0M-16.7%	$651.0M-35.7%	$1.0B-24.3%	$1.3B-22.5%	$1.7B+138.0%	$724.0M+89.0%	$383.0M-28.4%	$535.0M-34.1%	$812.4M-25.6%	$1.1B-52.0%	$2.3B-2.7%	$2.3B+19.6%	$2.0B
Total Equity	$7.2B+17.2%	$6.1B+7.6%	$5.7B+16.3%	$4.9B-34.4%	$7.5B-5.4%	$7.9B+7.2%	$7.4B-3.0%	$7.6B-1.3%	$7.7B+0.6%	$7.6B+1.7%	$7.5B+1.9%	$7.4B+14.0%	$6.5B+6.8%	$6.1B-13.4%	$7.0B
Retained Earnings	$7.3B+9.4%	$6.7B+7.9%	$6.2B+6.9%	$5.8B+12.3%	$5.2B+20.1%	$4.3B+7.5%	$4.0B+16.0%	$3.5B+23.1%	$2.8B+20.9%	$2.3B+18.0%	$2.0B+11.1%	$1.8B+20.1%	$1.5B+22.4%	$1.2B+16.1%	$1.0B

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Total Assets	$89.0B+1.2%	$88.0B-0.8%	$88.7B+0.2%	$88.5B-0.4%	$88.9B+1.0%	$88.0B-0.9%	$88.8B+2.0%	$87.0B
Cash & Equivalents	$793.0M+20.0%	$661.0M-3.2%	$683.0M-11.4%	$771.0M-1.2%	$780.0M-6.4%	$833.0M+28.0%	$651.0M-41.6%	$1.1B
Goodwill	N/A	N/A	$1.1B	N/A	N/A	N/A	$1.0B	N/A
Total Liabilities	$81.4B+0.9%	$80.7B-1.0%	$81.5B-0.2%	$81.7B-0.8%	$82.3B+0.8%	$81.7B-1.2%	$82.7B+2.5%	$80.6B
Long-Term Debt	$2.0B-0.4%	$2.0B+33.4%	$1.5B-0.1%	$1.5B+51.9%	$970.0M+0.6%	$964.0M+1.5%	$950.0M+73.4%	$548.0M
Total Equity	$7.7B+5.3%	$7.3B+1.6%	$7.2B+4.6%	$6.9B+4.1%	$6.6B+4.3%	$6.3B+3.3%	$6.1B-4.1%	$6.4B
Retained Earnings	$7.9B+5.1%	$7.5B+2.3%	$7.3B+2.7%	$7.1B+2.2%	$7.0B+2.6%	$6.8B+1.6%	$6.7B+2.1%	$6.6B

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities.

ZION Cash Flow Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.

ZION annual cash flow statement

Metric	TTM	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Operating Cash Flow	$1.8B	$1.1B-6.5%	$1.1B+29.7%	$885.0M-39.8%	$1.5B+133.7%	$629.0M-12.5%	$719.0M+3.2%	$697.0M-40.7%	$1.2B+26.7%	$928.0M+55.7%	$596.0M+28.4%	$464.0M+22.0%	$380.3M-54.5%	$835.1M+13.4%	$736.2M-31.1%	$1.1B
Capital Expenditures	$121.0M	$121.0M+24.7%	$97.0M-14.2%	$113.0M-40.5%	$190.0M-7.8%	$206.0M+20.5%	$171.0M+46.2%	$117.0M-9.3%	$129.0M-23.7%	$169.0M-13.8%	$196.0M+24.8%	$157.0M-10.7%	$175.8M+98.5%	$88.6M+28.6%	$68.9M-11.3%	$77.7M
Free Cash Flow	$1.7B	$952.0M-9.4%	$1.1B+36.1%	$772.0M-39.7%	$1.3B+202.6%	$423.0M-22.8%	$548.0M-5.5%	$580.0M-44.6%	$1.0B+37.9%	$759.0M+89.8%	$400.0M+30.3%	$307.0M+50.1%	$204.5M-72.6%	$746.5M+11.9%	$667.3M-32.7%	$991.1M
Investing Cash Flow	-$552.0M	$738.0M+145.0%	-$1.6B-169.2%	$2.4B+68.7%	$1.4B+112.1%	-$11.6B+5.1%	-$12.2B-3354.4%	$375.0M+113.9%	-$2.7B+31.0%	-$3.9B-14.1%	-$3.4B-33.2%	-$2.6B-103.3%	-$1.3B+6.2%	-$1.4B+28.0%	-$1.9B+23.7%	-$2.5B
Financing Cash Flow	-$1.2B	-$1.8B-516.6%	$427.0M+113.4%	-$3.2B-13.6%	-$2.8B-125.6%	$11.0B-2.8%	$11.3B+1254.2%	-$981.0M-161.5%	$1.6B-43.0%	$2.8B+0.8%	$2.8B+34.2%	$2.1B+271.7%	$557.1M+470.6%	-$150.3M-108.5%	$1.8B+3.9%	$1.7B
Dividends Paid	$272.0M	$267.0M-7.6%	$289.0M+2.5%	$282.0M+4.8%	$269.0M+3.1%	$261.0M+0.8%	$259.0M-0.4%	$260.0M+10.2%	$236.0M+82.9%	$129.0M+19.4%	$108.0M0.0%	$108.0M+12.3%	$96.1M-19.7%	$119.7M-10.4%	$133.6M-14.4%	$156.1M
Share Buybacks	$152.0M	$41.0M+13.9%	$36.0M-29.4%	$51.0M-74.8%	$202.0M-74.8%	$800.0M+952.6%	$76.0M-93.1%	$1.1B+64.0%	$672.0M+109.3%	$321.0M+230.9%	$97.0M+1285.7%	$7.0M+25.2%	$5.6M	N/A	N/A	N/A

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Operating Cash Flow	$422.0M-0.2%	$423.0M-18.3%	$518.0M+18.3%	$438.0M+806.5%	-$62.0M-134.6%	$179.0M-65.4%	$517.0M+334.5%	$119.0M
Capital Expenditures	$33.0M+32.0%	$25.0M-34.2%	$38.0M+52.0%	$25.0M-19.4%	$31.0M+14.8%	$27.0M-3.6%	$28.0M+27.3%	$22.0M
Free Cash Flow	$389.0M-2.3%	$398.0M-17.1%	$480.0M+16.2%	$413.0M+544.1%	-$93.0M-161.2%	$152.0M-68.9%	$489.0M+404.1%	$97.0M
Investing Cash Flow	-$688.0M-260.7%	$428.0M+165.7%	-$651.0M-281.3%	$359.0M+156.9%	-$631.0M-138.0%	$1.7B+170.2%	-$2.4B-308.8%	$1.1B
Financing Cash Flow	$398.0M+145.6%	-$873.0M-2040.0%	$45.0M+105.6%	-$806.0M-225.9%	$640.0M+138.6%	-$1.7B-219.6%	$1.4B+262.1%	-$855.0M
Dividends Paid	$68.0M0.0%	$68.0M0.0%	$68.0M0.0%	$68.0M+4.6%	$65.0M-1.5%	$66.0M-10.8%	$74.0M+4.2%	$71.0M
Share Buybacks	$75.0M-2.6%	$77.0M	$0	$0	$0-100.0%	$41.0M+4000.0%	$1.0M	$0

ZION Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples.

ZION annual financial ratios

Metric	FY25	FY24	FY23	FY22	FY21	FY20	FY19	FY18	FY17	FY16	FY15	FY14	FY13	FY12	FY11
Net Margin	135.8%	122.7%	21.8%-7.0pp	28.8%-10.0pp	38.8%+19.5pp	19.3%-9.4pp	28.7%-3.0pp	31.8%+4.7pp	27.0%+3.0pp	24.0%+7.1pp	16.9%-4.6pp	21.5%+7.9pp	13.6%-3.6pp	17.1%+2.3pp	14.8%
Return on Equity	12.5%-0.3pp	12.8%+0.9pp	11.9%-6.6pp	18.5%+3.4pp	15.1%+8.3pp	6.8%-4.3pp	11.1%-0.6pp	11.7%+4.0pp	7.7%+1.6pp	6.1%+2.0pp	4.1%-1.3pp	5.4%+1.3pp	4.1%-1.7pp	5.8%+1.1pp	4.6%
Return on Assets	1.0%+0.1pp	0.9%+0.1pp	0.8%-0.2pp	1.0%-0.2pp	1.2%+0.5pp	0.7%-0.5pp	1.2%-0.1pp	1.3%+0.4pp	0.9%+0.1pp	0.7%+0.2pp	0.5%-0.2pp	0.7%+0.2pp	0.5%-0.2pp	0.6%0.0pp	0.6%
Debt-to-Equity	0.200.0x	0.16+0.1x	0.100.0x	0.130.0x	0.140.0x	0.17-0.1x	0.23+0.1x	0.100.0x	0.050.0x	0.070.0x	0.110.0x	0.15-0.2x	0.350.0x	0.39+0.1x	0.28
FCF Margin	143.8%	164.5%	24.8%-15.8pp	40.6%+26.1pp	14.5%-5.1pp	19.6%-0.8pp	20.4%-17.2pp	37.6%+3.0pp	34.6%+14.2pp	20.5%+3.7pp	16.8%+5.7pp	11.0%-27.4pp	38.5%+5.7pp	32.7%-12.6pp	45.3%

Metric	Q2'26	Q1'26	Q4'25	Q3'25	Q2'25	Q1'25	Q4'24	Q3'24
Net Margin	248.9%	135.5%	25.3%	136.2%	148.8%	107.6%	20.3%	132.9%
Return on Equity	5.9%+2.7pp	3.2%-0.5pp	3.7%+0.4pp	3.2%-0.5pp	3.7%+1.0pp	2.7%-0.8pp	3.5%+0.2pp	3.4%
Return on Assets	0.5%+0.3pp	0.3%0.0pp	0.3%+0.1pp	0.3%0.0pp	0.3%+0.1pp	0.2%0.0pp	0.2%0.0pp	0.3%
Debt-to-Equity	0.250.0x	0.27+0.1x	0.200.0x	0.21+0.1x	0.150.0x	0.150.0x	0.16+0.1x	0.09
FCF Margin	213.7%	231.4%	46.1%	253.4%	-56.7%-152.9pp	96.2%+50.1pp	46.1%-14.2pp	60.3%

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

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Where Zions Bancorporation N A Ranks

Frequently Asked Questions

What is Zions Bancorporation N A's annual revenue?

Zions Bancorporation N A (ZION) reported $662.0M in total revenue for fiscal year 2025. This represents a 3.6% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is Zions Bancorporation N A's revenue growing?

Zions Bancorporation N A (ZION) revenue grew by 3.6% year-over-year, from $639.0M to $662.0M in fiscal year 2025.

Is Zions Bancorporation N A profitable?

Yes, Zions Bancorporation N A (ZION) reported a net income of $899.0M in fiscal year 2025.

How much debt does Zions Bancorporation N A have?

As of fiscal year 2025, Zions Bancorporation N A (ZION) had $683.0M in cash and equivalents against $1.5B in long-term debt.

Does Zions Bancorporation N A pay dividends?

Yes, Zions Bancorporation N A (ZION) paid $1.76 per share in dividends during fiscal year 2025.

What is Zions Bancorporation N A's return on equity (ROE)?

Zions Bancorporation N A (ZION) has a return on equity of 12.5% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

What is Zions Bancorporation N A's free cash flow?

Zions Bancorporation N A (ZION) generated $952.0M in free cash flow during fiscal year 2025. This represents a -9.4% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is Zions Bancorporation N A's operating cash flow?

Zions Bancorporation N A (ZION) generated $1.1B in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

What are Zions Bancorporation N A's total assets?

Zions Bancorporation N A (ZION) had $88.7B in total assets as of fiscal year 2025, including both current and long-term assets.

What are Zions Bancorporation N A's capital expenditures?

Zions Bancorporation N A (ZION) invested $121.0M in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.

Does Zions Bancorporation N A buy back shares?

Yes, Zions Bancorporation N A (ZION) spent $41.0M on share buybacks during fiscal year 2025, returning capital to shareholders by reducing shares outstanding.

How many shares does Zions Bancorporation N A have outstanding?

Zions Bancorporation N A (ZION) had 148M shares outstanding as of fiscal year 2025.

What is Zions Bancorporation N A's debt-to-equity ratio?

Zions Bancorporation N A (ZION) had a debt-to-equity ratio of 0.20 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is Zions Bancorporation N A's return on assets (ROA)?

Zions Bancorporation N A (ZION) had a return on assets of 1.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

What is Zions Bancorporation N A's Piotroski F-Score?

Zions Bancorporation N A (ZION) has a Piotroski F-Score of 6 out of 7 computable signals; 2 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are Zions Bancorporation N A's earnings high quality?

Zions Bancorporation N A (ZION) has an earnings quality ratio of 1.19x, considered cash-backed (high quality). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.

How financially healthy is Zions Bancorporation N A?

Zions Bancorporation N A (ZION) scores 34 out of 100 on our Financial Health Score, indicating weak standing within its banks peer group. The score is a 0-100 composite of six dimensions (Earnings, Growth, Capital, Efficiency, Credit Quality, Stability), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.