← ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ ZION
Market Price
$72.20
Market Cap
$10.53B
P/E Ratio
12.01
Revenue (FY 2025)
↑3.1% YoY
$529.00M
3-Yr CAGR: 2.2%
Net Income
↑14.7% YoY
$899.00M
Net Margin: 169.9%
Free Cash Flow
↓-9.4% YoY
$952.00M
FCF Yield: 9.04%
EPS (Diluted)
↑21.4% YoY
$6.01
Basic: $6.01
Return on Equity
Efficiency
12.5%
ROA: 2,900.0%
📊 Multi-Year Historical Performance & Trends
Financial Performance History
Revenue, Net Income & Free Cash Flow
Margins Trend (%)
Gross, Operating & Net Margins
Balance Sheet Strength
Cash, Debt & Equity
Cash Flow Generation
Operating Cash Flow vs CapEx vs FCF
📈 Year-over-Year (YoY) Growth History (ZION)
All monetary values in millions ($M)
⚠️ YoY Data Quality Alert
- FY 2024: Revenue YoY (+2.0%) is identical to Gross Profit YoY (+2.0%). Verify the underlying Revenue and Gross Profit values for FY 2024 and FY 2023.
- FY 2025: Revenue YoY (+3.1%) is identical to Gross Profit YoY (+3.1%). Verify the underlying Revenue and Gross Profit values for FY 2025 and FY 2024.
| Fiscal Year | Revenue | Revenue YoY | Gross Profit | Net Income | Net Inc YoY | Diluted EPS | EPS YoY | Op. Cash Flow | Free Cash Flow | FCF YoY |
|---|---|---|---|---|---|---|---|---|---|---|
| FY 2016 | $1,867.3M | — | $1,780.4M | $411.3M | — | $1.99 | — | $596.1M | $400.4M | — |
| FY 2017 | $2,065.0M | +10.6% | $1,938.0M | $550.0M | +33.7% | $2.60 | +30.7% | $928.0M | $759.0M | +89.6% |
| FY 2018 | $2,230.0M | +8.0% | $1,979.0M | $850.0M | +54.5% | $4.08 | +56.9% | $1,176.0M | $1,047.0M | +37.9% |
| FY 2019 | $2,272.0M | +1.9% | $1,861.0M | $782.0M | -8.0% | $4.16 | +2.0% | $697.0M | $580.0M | -44.6% |
| FY 2020 | $402.0M | -82.3% | $250.0M | $539.0M | -31.1% | $3.02 | -27.4% | $719.0M | $548.0M | -5.5% |
| FY 2021 | $449.0M | +11.7% | $390.0M | $1,129.0M | +109.5% | $6.79 | +124.8% | $629.0M | $423.0M | -22.8% |
| FY 2022 | $495.0M | +10.2% | $310.0M | $907.0M | -19.7% | $5.79 | -14.7% | $1,470.0M | $1,280.0M | +202.6% |
| FY 2023 | $503.0M | +1.6% | $503.0M | $680.0M | -25.0% | $4.35 | -24.9% | $885.0M | $772.0M | -39.7% |
| FY 2024 | $513.0M | +2.0% | $513.0M | $784.0M | +15.3% | $4.95 | +13.8% | $1,148.0M | $1,051.0M | +36.1% |
| FY 2025 | $529.0M | +3.1% | $529.0M | $899.0M | +14.7% | $6.01 | +21.4% | $1,073.0M | $952.0M | -9.4% |
Valuation
Market Price
$72.20
Market Cap
$10.53B
Enterprise Value
N/A
P/E Ratio
12.01
P/B Ratio
1.48
FCF Yield
9.04%
Dividend Yield
2.27%
Shares Outstanding
Profitability & Margins
Gross Margin
25.36%
Operating Margin
222.12%
Net Margin
169.94%
Return on Equity (ROE)
12.52%
Return on Assets (ROA)
2,900.00%
Asset Turnover
17.06x
Revenue 3-Yr CAGR
2.24%
Financial Health & Liquidity
Current Ratio
N/A
Cash Ratio
N/A
Debt / Equity
0.205
Debt / Assets
47.484
Cash & Equivalents
N/A
Total Debt
$1.47B
Book Value / Share
$48.81
Cash Flow Efficiency
Operating Cash Flow
$1.07B
Capital Expenditures (CapEx)
$121.00M
Free Cash Flow
$952.00M
OCF / Revenue
202.84%
FCF / Revenue
179.96%
FCF 3-Yr CAGR
-9.40%
Per Share Metrics
EPS (Diluted)
$6.01
EPS (Basic)
$6.01
Dividends / Share
$1.64
Book Value / Share
$48.81
EPS YoY Growth
21.41%
Balance Sheet (FY 2025)
Total Assets
$31.00M
Total Liabilities
$81.81B
Stockholders' Equity
$7.18B
Current Assets
N/A
Current Liabilities
N/A