Financials in USD. Standardized financial statements.
A compact view of how Zions Bancorporation, National Association turns revenue into operating income and net income.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue? | $4.94B | $4.99B | $4.62B | $3.34B | $2.97B | $2.94B | $3.25B | $3.03B | $2.74B | $2.47B |
| Revenue Growth? | -1.0% | +8.0% | +38.6% | +12.4% | +1.0% | -9.3% | +7.0% | +10.9% | +10.8% | 0.0% |
| Cost of Revenue? | $1.63B | $1.94B | $1.64B | $307.00M | -$217.00M | $566.00M | $450.00M | $211.00M | $144.00M | $180.00M |
| Gross Profit? | $3.31B | $3.06B | $2.98B | $3.03B | $3.19B | $2.38B | $2.79B | $2.82B | $2.59B | $2.29B |
| Gross Margin? | +67.1% | +61.2% | +64.5% | +90.8% | +107.3% | +80.8% | +86.1% | +93.0% | +94.7% | +92.7% |
| Operating Expenses? | $2.14B | $2.05B | $2.10B | $1.88B | $1.74B | $1.70B | $1.74B | $1.68B | $1.66B | $1.58B |
| Operating Income? | $1.18B | $1.01B | $886.00M | $1.15B | $1.45B | $672.00M | $1.05B | $1.14B | $936.00M | $705.00M |
| EBITDA? | $1.29B | $1.14B | $1.03B | $1.26B | $1.43B | $758.00M | $1.24B | $1.34B | $1.11B | $828.00M |
| Income Before Tax | $1.18B | $1.01B | $886.00M | $1.15B | $1.45B | $672.00M | $1.05B | $1.14B | $936.00M | $705.00M |
| Income Tax Expense | $276.00M | $228.00M | $206.00M | $245.00M | $317.00M | $133.00M | $237.00M | $259.00M | $344.00M | $236.00M |
| Net Income? | $899.00M | $784.00M | $680.00M | $907.00M | $1.13B | $539.00M | $816.00M | $884.00M | $592.00M | $469.00M |
| EPS? | $6.08 | $4.95 | $4.35 | $5.80 | $6.80 | $3.06 | $4.41 | $4.36 | $2.71 | $2.00 |
| Diluted EPS? | $6.01 | $4.95 | $4.35 | $5.79 | $6.79 | $3.03 | $4.16 | $4.08 | $2.60 | $1.99 |
Revenue, profitability, margins, EPS, and share-count trends over time.
Top-line demand and scale over time
Profit left after direct production costs
Core business profitability before financing and tax
Bottom-line profit after all expenses
Profit allocated to each diluted share
Share count trend that affects EPS quality
Gross, operating, and net margin quality