Zions Bancorporation (ZION) Financials, Dividends & Stock Info
Explore comprehensive financial data for Zions Bancorporation, provided completely free. Analyze revenue, net income, profit margins, dividend history, and key financial ratios to make informed investment decisions.
Data as of (546 days ago)|Source: SEC EDGAR
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Zions Bancorporation (ZION) is a regional banks company. The company reports annual revenue of $657M and net income of $221M. Its profit margin is 33.6%.
Zions Bancorporation Key Financials(TTM Est.)
Data from SEC EDGAR filings. TTM = Trailing Twelve Months.
Zions Bancorporation Financial Health ScoreFY2025
Moderate health; several metrics need attention
-12 pts YoYThis Financial Health Score is a proprietary metric calculated from SEC EDGAR filings for educational and informational purposes only. It does not constitute investment advice or a recommendation to buy or sell any security. Results vary significantly by industry. Conduct your own research before making investment decisions.
Data Highlights
- Altman Z-Score 0.11 (distress zone, below 1.8 threshold)
- Strong profit margin: 33.6%
Data sourced from SEC EDGAR filings. Not investment advice.
5-Year Revenue & Net Income Trend
Chart shows fiscal year data from SEC EDGAR filings. Hover over data points for details.
As of FY2025 · SEC 10-K · Updated Feb 28, 2026
About Zions Bancorporation
Zions Bancorporation is an American national bank headquartered in Salt Lake City, Utah. It operates as a national bank rather than as a bank holding company and does business under the following seven brands: Zions Bank, Amegy Bank of Texas, California Bank and Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and the Commerce Bank of Washington.
- Industry
- Regional Banks
Valuation
Valuation Data UnavailablePrice-based valuation metrics (P/E, P/B) require real-time stock price data which is not included in SEC filings.
Benjamin Graham: Graham recommended P/E ratio not exceed 15 for reasonable valuation. Understanding valuation metrics
Profitability
Above-Average Marginsvs 9.7% sector median / 9.1% avg
Generates $3.2 in profit for every $100 of shareholder equity. Higher than 6% in Financials.
vs 25.4% sector median / 23.2% avg
Keeps 34 cents of every dollar in revenue as profit. Higher than 96% in Financials.
7th consecutive year of revenue growth.
* Some quarterly data is missing. Values are calculated based on annual report figures.
Profit margin 45% above sector average.
Warren Buffett: Buffett looks for consistent ROE above 20% as a sign of competitive advantage. How to evaluate profitability
Financial Health
Balance Sheet Data LimitedInsufficient data to assess financial health.
Peter Lynch: Lynch: normal balance sheet has 75% equity, 25% debt. Understanding financial health
Dividend
Dividend Data UnavailableDividend yield data is not available from SEC filings. Check the company's investor relations page for dividend information.
As of FY2025 · SEC 10-K · Updated Feb 28, 2026
Zions Bancorporation 10-Year Revenue, Profit & Cash Flow History
Annual Financials
FY2025 - FY2016| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $662.0M(+3.6%) | $639.0M(+3.7%) | $616.0M(+0.3%) | $614.0M(+6.8%) | $575.0M(+4.7%) | $549.0M(+4.6%) | $525.0M(+3.3%) | $508.0M | - | - |
| Net Income | $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%) |
| Total Assets | $89.0B | $88.8B | $87.2B | $89.5B | $93.2B | $81.5B | $69.2B | $68.7B | $66.3B | $63.2B |
| Total Debt | - | $946.0M | $542.0M | $651.0M | $1.0B | $1.3B | $1.7B | $724.0M | $383.0M | $535.0M |
| Total Equity | $7.2B | $6.1B | $5.7B | $4.9B | $7.5B | $7.9B | $7.4B | $7.6B | $7.7B | $7.6B |
| Profit Margin | 135.8% | 122.7% | 110.4% | 147.7% | 196.3% | 98.2% | - | - | - | - |
| ROE | 12.5% | 12.8% | 11.9% | 18.5% | 15.1% | 6.8% | 11.1% | 11.7% | 7.7% | 6.1% |
| ROA | 1.0% | 0.9% | 0.8% | 1.0% | 1.2% | 0.7% | 1.2% | 1.3% | 0.9% | 0.7% |
Quarterly Financials
Last 8 quarters| Metric | Q3 2025 | Q2 2025 | Q1 2025 | Q3 2024 | Q2 2024 | Q1 2024 | Q3 2023 | Q2 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $163.0M | $164.0M | $158.0M | $161.0M | $154.0M | $152.0M | $157.0M | $162.0M |
| Net Income | - | - | - | - | - | - | - | - |
| Total Assets | $88.5B | $88.9B | $88.0B | $87.0B | $87.6B | $87.1B | $87.3B | $87.2B |
As of FY2025 · SEC 10-K · Updated Feb 28, 2026
Insider Trading
Source: SEC EDGAR Form 4 filings. Only purchase (P) and sale (S) transactions shown.
Zions Bancorporation Dividend Safety Analysis & Growth History
Dividend Status
Dividend PayerThis company pays dividends. Historical dividend data shown below.
5-year dividend CAGR: -8.5%.
Annual Dividends
2017 - 2024| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|
| Dividend/Share | $0.08 | $1.04 | $1.28 | $1.36 | $1.44 | $1.58 | $1.64 | $0.82 |
| YoY Growth | - | +1200.0% | +23.1% | +6.3% | +5.9% | +9.7% | +3.8% | -50.0% |
| Payments | 1 | 3 | 4 | 4 | 4 | 4 | 4 | 2 |
| Increased | - | Yes | Yes | Yes | Yes | Yes | Yes | No |
Learn more: Dividend investing guide | How to evaluate dividend safety
As of FY2025 · SEC 10-K · Updated Feb 28, 2026
Zions Bancorporation Free Cash Flow & Dividend Coverage
Generates approximately $3M in free cash flow per day.
Cash Flow History
FY2016 - FY2025| Metric | FY2016 | FY2017 | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating CF | $596.0M | $928.0M | $1.2B | $697.0M | $719.0M | $629.0M | $1.5B | $885.0M | $1.1B | $1.1B |
| CapEx | -$196.0M | -$169.0M | -$129.0M | -$117.0M | -$171.0M | -$206.0M | -$190.0M | -$113.0M | -$97.0M | -$121.0M |
| Free Cash Flow | $400.0M | $759.0M | $1.0B | $580.0M | $548.0M | $423.0M | $1.3B | $772.0M | $1.1B | $952.0M |
| FCF Margin | - | - | - | - | 99.8% | 73.6% | 208.5% | 125.3% | 164.5% | 143.8% |
Source: SEC EDGAR 10-K filings. FCF = Operating Cash Flow - Capital Expenditures. Free cash flow guide
As of FY2025 · SEC 10-K · Updated Feb 28, 2026
Zions Bancorporation Risk Factors
Company-disclosed SEC risk factors
Risk factors are disclosed by the company in its SEC Form 10-K, Item 1A. Billiver does not classify or summarize company-specific legal, operational, financial, or market risks here.
Sector context: Financials. This is not a Billiver risk assessment for ZION.
Source note: the SEC Form 10-K includes Item 1A, "Risk Factors." The full risk-factor text should be read from the company’s own SEC filing.
Zions Bancorporation FAQ
What is Zions Bancorporation's annual revenue?
Zions Bancorporation (ZION) reported $657 million in trailing twelve-month (TTM) revenue. This financial data is compiled from SEC EDGAR 10-K filings.
Is Zions Bancorporation profitable?
Yes, Zions Bancorporation is profitable with a 33.6% net profit margin and $221 million in net income (TTM). All figures from SEC EDGAR 10-K filings.
Does Zions Bancorporation pay dividends?
Yes, Zions Bancorporation pays regular dividends. View the full dividend history and payout analysis on this page.
What is Zions Bancorporation's financial health score?
Zions Bancorporation has a financial health score of 66/100 (Grade: C), evaluating profitability, solvency, liquidity, and growth based on SEC EDGAR data.
How many years of Zions Bancorporation financial data are available?
10 years of financial data are available for Zions Bancorporation from FY2016 to FY2025. All figures are compiled from SEC EDGAR 10-K filings.