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Complete financial analysis of Zions Bancorporation, National Association (ZION) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of Zions Bancorporation, National Association, a leading company in the Banks – Regional industry within the Financial Services sector.
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Zions Bancorporation, National Association (ZION)
About Zions Bancorporation, National Association
Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 | 1996 | 1995 | 1994 | 1993 | 1992 | 1991 | 1990 | 1989 | 1988 | 1987 | 1986 | 1985 | 1984 | 1983 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 2.71B | 3.34B | 2.91B | 2.79B | 2.83B | 2.78B | 2.61B | 2.38B | 2.09B | 2.19B | 2.03B | 2.15B | 2.25B | 2.22B | 2.53B | 2.16B | 2.29B | 2.32B | 1.80B | 1.59B | 1.59B | 1.41B | 1.37B | 1.09B | 1.01B | 744.50M | 495.00M | 371.40M | 313.70M | 271.80M | 234.90M | 205.90M | 190.40M | 178.30M | 159.10M | 0.00 | 0.00 | 0.00 | 0.00 | 107.00M | 101.80M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 47.58M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Gross Profit | 2.71B | 3.34B | 2.91B | 2.79B | 2.83B | 2.78B | 2.61B | 2.38B | 2.09B | 2.19B | 2.03B | 2.15B | 2.25B | 2.17B | 2.53B | 2.16B | 2.29B | 2.32B | 1.80B | 1.59B | 1.59B | 1.41B | 1.37B | 1.09B | 1.01B | 744.50M | 495.00M | 371.40M | 313.70M | 271.80M | 234.90M | 205.90M | 190.40M | 178.30M | 159.10M | 0.00 | 0.00 | 0.00 | 0.00 | 107.00M | 101.80M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 97.85% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% | 0.00% | 0.00% | 0.00% | 0.00% | 100.00% | 100.00% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 1.35B | 1.29B | 1.15B | 1.11B | 1.17B | 1.12B | 1.06B | 1.02B | 1.01B | 988.60M | 950.94M | 929.06M | 938.21M | 879.15M | 951.36M | 847.96M | 836.40M | 784.76M | 573.90M | 531.30M | 491.56M | 478.03M | 441.45M | 349.29M | 346.70M | 249.60M | 160.00M | 118.10M | 103.00M | 93.30M | 79.20M | 66.00M | 58.50M | 56.30M | 49.20M | 0.00 | 0.00 | 0.00 | 0.00 | 79.30M | 71.10M |
| Selling & Marketing | 46.00M | 39.00M | 19.00M | 19.00M | 19.00M | 26.00M | 22.00M | 22.14M | 25.31M | 25.10M | 23.36M | 25.72M | 27.16M | 24.82M | 22.98M | 30.73M | 26.92M | 26.47M | 21.36M | 19.75M | 18.21M | 20.58M | 22.78M | 25.42M | 18.50M | 11.90M | 7.40M | 5.30M | 5.20M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 1.40B | 1.32B | 1.17B | 1.13B | 1.19B | 1.15B | 1.09B | 1.04B | 1.03B | 1.01B | 974.30M | 954.78M | 965.38M | 903.97M | 974.34M | 878.69M | 863.32M | 811.22M | 595.27M | 551.05M | 509.78M | 498.61M | 464.23M | 374.71M | 365.20M | 261.50M | 167.40M | 123.40M | 108.20M | 93.30M | 79.20M | 66.00M | 58.50M | 56.30M | 49.20M | 0.00 | 0.00 | 0.00 | 0.00 | 79.30M | 71.10M |
| Other Expenses | 1.72B | -1.29B | -2.64B | -3.25B | -2.97B | -2.53B | -208.00M | -240.88M | 0.00 | 0.00 | 0.00 | 0.00 | 33.68M | 85.36M | 280.46M | -2.24B | -1.10B | -1.17B | -1.10B | -1.19B | -1.24B | -1.07B | -749.75M | -402.99M | -451.80M | -356.00M | -144.30M | -122.80M | -96.10M | -115.00M | -125.50M | -93.10M | -52.70M | -30.30M | -23.60M | -17.90M | -14.40M | 20.60M | 28.20M | 175.80M | 143.10M |
| Operating Expenses | 3.12B | 39.00M | -1.47B | -2.12B | -1.78B | -1.39B | 22.00M | 22.14M | 25.31M | 25.10M | 23.36M | 25.72M | 27.16M | 24.82M | 1.25B | -1.36B | -241.44M | -361.46M | -507.75M | -635.60M | -730.12M | -567.20M | -285.51M | -28.28M | -86.60M | -94.50M | 23.10M | 600.00K | 12.10M | -21.70M | -46.30M | -27.10M | 5.80M | 26.00M | 25.60M | -17.90M | -14.40M | 20.60M | 28.20M | 255.10M | 214.20M |
| Cost & Expenses | 3.12B | 39.00M | -1.47B | -2.12B | -1.78B | -1.39B | 22.00M | 22.14M | 25.31M | 25.10M | 23.36M | 25.72M | 27.16M | 72.40M | 1.25B | -1.36B | -241.44M | -361.46M | -507.75M | -635.60M | -730.12M | -567.20M | -285.51M | -28.28M | -86.60M | -94.50M | 23.10M | 600.00K | 12.10M | -21.70M | -46.30M | -27.10M | 5.80M | 26.00M | 25.60M | -17.90M | -14.40M | 20.60M | 28.20M | 430.90M | 357.30M |
| Interest Income | 3.95B | 2.71B | 2.27B | 2.37B | 2.68B | 2.48B | 2.19B | 1.95B | 1.83B | 1.85B | 1.94B | 2.04B | 2.20B | 2.32B | 2.52B | 2.97B | 3.21B | 2.82B | 1.91B | 1.51B | 1.40B | 1.46B | 1.59B | 1.63B | 1.36B | 976.10M | 682.30M | 479.00M | 430.50M | 354.00M | 267.70M | 258.20M | 285.60M | 287.30M | 282.60M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Expense | 1.51B | 185.00M | 59.00M | 153.00M | 411.00M | 251.00M | 127.00M | 86.97M | 118.21M | 173.00M | 245.08M | 306.78M | 432.40M | 592.46M | 617.79M | 1.00B | 1.32B | 1.05B | 548.91M | 330.64M | 303.89M | 420.78M | 642.16M | 822.81M | 617.80M | 432.30M | 330.50M | 218.50M | 203.50M | 155.40M | 110.90M | 114.20M | 154.10M | 166.10M | 161.90M | 0.00 | 0.00 | 0.00 | 0.00 | 175.80M | 143.10M |
| Depreciation & Amortization | 140.00M | 110.00M | -14.00M | 86.00M | 188.00M | 193.00M | 179.00M | 123.09M | 151.09M | 128.65M | 130.62M | 214.62M | 299.95M | 25.52M | 31.67M | 33.16M | 124.97M | 133.77M | 100.67M | 94.78M | 94.54M | 87.09M | 119.61M | 114.97M | 90.60M | 52.10M | 31.50M | 21.90M | 18.10M | 17.70M | 17.00M | 15.80M | 5.30M | 5.40M | 5.40M | 12.40M | 0.00 | 0.00 | 0.00 | 175.80M | 143.10M |
| EBITDA | 1.03B | 1.26B | 1.43B | 758.00M | 1.24B | 1.34B | 1.12B | 827.91M | 537.86M | 679.11M | 537.05M | 726.75M | 761.76M | 0.00 | 0.00 | 0.00 | 0.00 | 1.04B | 842.55M | 719.17M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -5.50M | -14.40M | 20.60M | 28.20M | 203.40M | 173.90M |
| EBITDA Ratio | 37.93% | 43.36% | 49.19% | 27.18% | 43.79% | 57.05% | 47.60% | 38.40% | 34.47% | 42.18% | 38.47% | 49.46% | 55.66% | 25.53% | -31.06% | 38.51% | 94.92% | 90.17% | 77.39% | 66.04% | 59.91% | 66.00% | 87.88% | 107.94% | 100.40% | 94.30% | 111.03% | 106.06% | 109.63% | 98.53% | 87.53% | 94.51% | 105.83% | 117.61% | 119.48% | 0.00% | 0.00% | 0.00% | 0.00% | 190.09% | 170.83% |
| Operating Income | 1.06B | 1.34B | 1.45B | 672.00M | 1.05B | 1.39B | 1.06B | 791.87M | 570.07M | 794.42M | 651.85M | 849.71M | 954.78M | 540.15M | -818.29M | 799.66M | 2.05B | 1.95B | 1.29B | 956.76M | 855.47M | 844.76M | 1.08B | 1.06B | 921.40M | 650.00M | 518.10M | 372.00M | 325.80M | 250.10M | 188.60M | 178.80M | 196.20M | 204.30M | 184.70M | -17.90M | -14.40M | 20.60M | 28.20M | 27.60M | 30.80M |
| Operating Income Ratio | 39.00% | 40.07% | 49.67% | 24.09% | 37.16% | 50.11% | 40.74% | 33.23% | 27.25% | 36.30% | 32.05% | 39.49% | 42.35% | 24.38% | -32.31% | 36.98% | 89.48% | 84.39% | 71.79% | 60.08% | 53.95% | 59.83% | 79.14% | 97.41% | 91.41% | 87.31% | 104.67% | 100.16% | 103.86% | 92.02% | 80.29% | 86.84% | 103.05% | 114.58% | 116.09% | 0.00% | 0.00% | 0.00% | 0.00% | 25.79% | 30.26% |
| Total Other Income/Expenses | -169.00M | -51.00M | -29.00M | -62.00M | -22.00M | -54.00M | -64.00M | -38.09M | -41.14M | -86.27M | -174.30M | -80.13M | -33.68M | -403.17M | -252.15M | -314.70M | -164.66M | -29.04M | -7.84M | -660.00K | -302.12M | -359.95M | -635.00M | -822.81M | -617.80M | -432.30M | -330.50M | -218.50M | -203.50M | -155.40M | -112.50M | -114.20M | -154.10M | -166.10M | -165.70M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Before Tax | 886.00M | 1.15B | 1.45B | 672.00M | 1.05B | 1.14B | 936.00M | 704.91M | 451.86M | 621.42M | 406.43M | 541.57M | 521.27M | -403.17M | -1.62B | -314.70M | 737.50M | 912.92M | 743.54M | 626.11M | 553.34M | 484.81M | 447.98M | 241.37M | 303.60M | 217.70M | 187.60M | 153.50M | 122.30M | 94.70M | 76.10M | 64.60M | 42.10M | 38.20M | 19.00M | 0.00 | 0.00 | 0.00 | 0.00 | 27.60M | 30.80M |
| Income Before Tax Ratio | 32.75% | 34.52% | 49.67% | 24.09% | 37.16% | 41.09% | 35.88% | 29.58% | 21.60% | 28.39% | 19.98% | 25.17% | 23.12% | -18.20% | -64.09% | -14.55% | 32.14% | 39.42% | 41.30% | 39.32% | 34.90% | 34.34% | 32.74% | 22.09% | 30.12% | 29.24% | 37.90% | 41.33% | 38.99% | 34.84% | 32.40% | 31.37% | 22.11% | 21.42% | 11.94% | 0.00% | 0.00% | 0.00% | 0.00% | 25.79% | 30.26% |
| Income Tax Expense | 206.00M | 245.00M | 317.00M | 133.00M | 237.00M | 259.00M | 344.00M | 235.86M | 142.39M | 222.96M | 142.98M | 193.42M | 198.58M | -106.82M | -401.34M | -43.37M | 235.74M | 317.95M | 263.42M | 220.13M | 213.75M | 167.70M | 157.80M | 79.66M | 109.50M | 70.90M | 65.20M | 52.10M | 41.00M | 30.90M | 24.70M | 21.20M | 13.00M | 11.60M | 5.10M | 0.00 | 14.40M | -20.60M | -28.20M | 2.60M | 6.30M |
| Net Income | 680.00M | 907.00M | 1.13B | 539.00M | 816.00M | 884.00M | 592.00M | 469.05M | 309.47M | 404.91M | 263.79M | 349.52M | 323.80M | -292.73M | -1.22B | -266.27M | 493.75M | 583.13M | 480.12M | 405.99M | 337.82M | 256.28M | 283.02M | 161.71M | 194.10M | 146.80M | 122.40M | 101.40M | 81.30M | 63.80M | 53.00M | 43.40M | 29.10M | 26.60M | 17.70M | -17.90M | -14.40M | 20.60M | 28.20M | 25.00M | 24.50M |
| Net Income Ratio | 25.14% | 27.18% | 38.78% | 19.33% | 28.79% | 31.78% | 22.69% | 19.68% | 14.79% | 18.50% | 12.97% | 16.24% | 14.36% | -13.21% | -48.02% | -12.31% | 21.52% | 25.18% | 26.67% | 25.50% | 21.31% | 18.15% | 20.68% | 14.80% | 19.26% | 19.72% | 24.73% | 27.30% | 25.92% | 23.47% | 22.56% | 21.08% | 15.28% | 14.92% | 11.13% | 0.00% | 0.00% | 0.00% | 0.00% | 23.36% | 24.07% |
| EPS | 4.35 | 5.80 | 6.80 | 3.06 | 4.41 | 4.28 | 2.71 | 2.00 | 1.20 | 1.72 | 1.58 | 0.97 | 0.83 | -1.76 | -9.77 | -2.44 | 4.47 | 5.46 | 5.27 | 4.53 | 3.75 | 2.80 | 3.10 | 1.87 | 2.29 | 1.77 | 1.88 | 1.70 | 1.39 | 1.09 | 1.06 | 0.88 | 0.60 | 0.56 | 0.38 | -0.38 | -0.32 | 0.45 | 0.63 | 0.55 | 0.54 |
| EPS Diluted | 4.35 | 5.79 | 6.79 | 3.03 | 4.16 | 4.28 | 2.60 | 1.99 | 1.20 | 1.71 | 1.58 | 0.97 | 0.83 | -1.76 | -9.77 | -2.44 | 4.42 | 5.36 | 5.16 | 4.47 | 3.72 | 2.78 | 3.07 | 1.86 | 2.26 | 1.75 | 1.84 | 1.68 | 1.37 | 1.09 | 1.05 | 0.88 | 0.60 | 0.56 | 0.38 | -0.38 | -0.32 | 0.45 | 0.61 | 0.55 | 0.54 |
| Weighted Avg Shares Out | 147.75M | 150.06M | 159.91M | 163.74M | 175.98M | 206.50M | 200.78M | 203.86M | 203.27M | 192.21M | 183.84M | 183.08M | 182.39M | 165.96M | 124.44M | 108.91M | 107.37M | 106.06M | 91.19M | 89.66M | 90.05M | 91.57M | 91.20M | 86.32M | 85.70M | 81.92M | 72.81M | 63.79M | 59.28M | 58.40M | 50.00M | 49.32M | 48.50M | 47.50M | 46.58M | 47.11M | 45.00M | 45.81M | 45.08M | 45.50M | 45.20M |
| Weighted Avg Shares Out (Dil) | 147.76M | 150.27M | 160.23M | 165.61M | 186.50M | 206.50M | 209.65M | 204.27M | 203.70M | 192.79M | 184.30M | 183.24M | 182.61M | 165.96M | 124.44M | 109.15M | 108.52M | 108.03M | 92.99M | 90.88M | 90.73M | 92.08M | 92.17M | 87.12M | 85.88M | 81.94M | 72.81M | 71.67M | 60.15M | 58.40M | 50.48M | 49.32M | 48.50M | 47.50M | 46.58M | 47.11M | 45.00M | 45.81M | 45.86M | 45.50M | 45.20M |
Here's What Key Metrics Tell Us About Zions (ZION) Q4 Earnings
The headline numbers for Zions (ZION) give insight into how the company performed in the quarter ended December 2023, but it may be worthwhile to compare some of its key metrics to Wall Street estimates and the year-ago actuals.
Zions (ZION) Tops Q4 Earnings Estimates
Zions (ZION) came out with quarterly earnings of $1.29 per share, beating the Zacks Consensus Estimate of $1 per share. This compares to earnings of $1.84 per share a year ago.
Zions Bancorporation, National Association Reports Fourth Quarter Financial Results
SALT LAKE CITY , Jan. 22, 2024 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) ("Zions" or "the Bank") today reported net earnings applicable to common shareholders for the fourth quarter of 2023 of $116 million, or $0.78 per diluted common...
Seeking Clues to Zions (ZION) Q4 Earnings? A Peek Into Wall Street Projections for Key Metrics
Besides Wall Street's top -and-bottom-line estimates for Zions (ZION), review projections for some of its key metrics to gain a deeper understanding of how the company might have fared during the quarter ended December 2023.
Weak Loan Demand Likely to Hurt Zions (ZION) in Q4 Earnings
Despite higher rates, Zions' (ZION) interest income is expected to have been negatively impacted by weak loan demand, rising funding costs and an inverted yield curve.
Earnings Preview: Zions (ZION) Q4 Earnings Expected to Decline
Zions (ZION) doesn't possess the right combination of the two key ingredients for a likely earnings beat in its upcoming report. Get prepared with the key expectations.
Zions' (ZION) Loans & Higher Rates Aid Amid Poor Asset Quality
Zions (ZION) is likely to be aided by decent loan balances and higher interest rates. However, elevated expense levels and poor asset quality are concerns.
Zions Bancorporation Announces 2024 Earnings Release Dates
SALT LAKE CITY--(BUSINESS WIRE)--Zions Bancorporation, N.A. (NASDAQ: ZION) announced its expected earnings release dates for the fiscal fourth quarter of 2023 and the first, second, and third quarters of 2024. Zions expects to report its financial results on the following...
Improving Rates Outlook To Further Boost Zions Bancorporation
Zions Bancorporation experienced a turbulent year in 2023 due to the banking crisis, but saw a rise in its shares in 4Q. 3Q earnings missed, but softening rates may be seen as a positive sign. Credit quality remains benign, with...
12 Stocks Turn $10,000 Into $320,800 In 12 Months
Talk about a strong finish. Investors who hung onto the top S&P 500 stocks this year ended up much richer for the effort.
Source: https://incomestatements.info
Category: Stock Reports
What are Zions Bancorporation’s recent revenue trends?
Zions Bancorporation, N.A revenue for the twelve months ending September 30, 2024 was $4.926B, a 11.35% increase year-over-year. Zions Bancorporation, N.A annual revenue for 2023 was $4.624B, a 38.57% increase. Zions Bancorporation, N.A annual revenue for 2022 was $3.337B, a 12.36% increase from 2021.