ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ ZION

Latest FY: 2025 Financial Services Banks - Regional
Market Price $68.30
Market Cap $10.05B
P/E Ratio 11.36
Quick Peer Compare (Financial Services):
Revenue (FY 2025) ↑8.1% YoY
$3.38B
3-Yr CAGR: 2.4%
Net Income ↑14.7% YoY
$899.00M
Net Margin: 26.6%
Free Cash Flow ↓-9.4% YoY
$952.00M
FCF Yield: 9.48%
EPS (Diluted) ↑21.4% YoY
$6.01
Basic: $6.01
Return on Equity Efficiency
12.5%
ROA: 1.0%

📊 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)
Fiscal Year Revenue Revenue YoY Gross Profit Net Income Net Inc YoY Diluted EPS EPS YoY Div / Sh Div Yield Op. Cash Flow Free Cash Flow FCF YoY
FY 2016 $2,383.0M $2,296.0M $411.3M $1.99 $0.00 0.00% $596.1M $400.4M
FY 2017 $2,609.0M +9.5% $2,482.0M $550.0M +33.7% $2.60 +30.7% $0.62 1.21% $928.0M $759.0M +89.6%
FY 2018 $2,782.0M +6.6% $2,531.0M $850.0M +54.5% $4.08 +56.9% $1.14 2.81% $1,176.0M $1,047.0M +37.9%
FY 2019 $2,834.0M +1.9% $2,423.0M $782.0M -8.0% $4.16 +2.0% $1.39 2.69% $697.0M $580.0M -44.6%
FY 2020 $2,790.0M -1.6% $2,638.0M $539.0M -31.1% $3.02 -27.4% $1.36 3.13% $719.0M $548.0M -5.5%
FY 2021 $2,911.0M +4.3% $2,852.0M $1,129.0M +109.5% $6.79 +124.8% $1.44 2.28% $629.0M $423.0M -22.8%
FY 2022 $3,152.0M +8.3% $2,967.0M $907.0M -19.7% $5.79 -14.7% $1.58 3.21% $1,470.0M $1,280.0M +202.6%
FY 2023 $3,115.0M -1.2% $1,606.0M $680.0M -25.0% $4.35 -24.9% $1.64 3.74% $885.0M $772.0M -39.7%
FY 2024 $3,130.0M +0.5% $1,267.0M $784.0M +15.3% $4.95 +13.8% $1.96 3.62% $1,148.0M $1,051.0M +36.1%
FY 2025 $3,385.0M +8.1% $1,828.0M $899.0M +14.7% $6.01 +21.4% $1.81 3.10% $1,073.0M $952.0M -9.4%
$

Valuation

Market Price $68.30
Market Cap $10.05B
Enterprise Value N/A
P/E Ratio 11.36
P/B Ratio 1.40
FCF Yield 9.48%
Dividend Yield 2.40%
Shares Outstanding 147,091,800
%

Profitability & Margins

Gross Margin 54.00%
Operating Margin 34.71%
Net Margin 26.56%
Return on Equity (ROE) 12.52%
Return on Assets (ROA) 1.01%
Asset Turnover 0.04x
Revenue 3-Yr CAGR 2.41%
🛡️

Financial Health & Liquidity

Current Ratio N/A
Cash Ratio N/A
Debt / Equity 0.205
Debt / Assets 0.017
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 31.70%
FCF / Revenue 28.12%
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 $88.99B
Total Liabilities $81.81B
Stockholders' Equity $7.18B
Current Assets N/A
Current Liabilities N/A