Zions Financial Statements From 2010 to 2024

ZIONL Stock  USD 25.00  0.10  0.40%   
Zions Bancorporation financial statements provide useful quarterly and yearly information to potential Zions Bancorporation NA investors about the company's current and past financial position, as well as its overall management performance and changes in financial position over time. Historical trend examination of various income statement and balance sheet accounts found on Zions Bancorporation financial statements helps investors assess Zions Bancorporation's valuation, profitability, and current liquidity needs. Key fundamental drivers impacting Zions Bancorporation's valuation are summarized below:
There are over one hundred nineteen available fundamental gauges for Zions Bancorporation, which can be analyzed over time and compared to other ratios. We recommend to confirm Zions Bancorporation's prevalent fundamental drivers against the all of the trends between 2010 and 2024. Market Cap is expected to rise to about 7 B this year, although Enterprise Value is projected to rise to (1.7 B).

Zions Bancorporation Total Revenue

1.72 Billion

Check Zions Bancorporation financial statements over time to gain insight into future company performance. You can evaluate financial statements to find patterns among Zions Bancorporation's main balance sheet or income statement drivers, such as Depreciation And Amortization of 101.4 M, Interest Expense of 1.6 B or Selling General Administrative of 677.4 M, as well as many indicators such as Price To Sales Ratio of 2.32, Dividend Yield of 0.022 or PTB Ratio of 1.69. Zions financial statements analysis is a perfect complement when working with Zions Bancorporation Valuation or Volatility modules.
  
Check out the analysis of Zions Bancorporation Correlation against competitors.
For more information on how to buy Zions Stock please use our How to buy in Zions Stock guide.

Zions Bancorporation Balance Sheet

Current ValueLast YearHistorical Average 10 Year Trend
Total Assets91.6 B87.2 B66.3 B
Slightly volatile
Short and Long Term Debt Total1.8 B2.1 B2.5 B
Slightly volatile
Total Current Liabilities14.9 B14.2 BB
Slightly volatile
Total Stockholder Equity3.8 B5.7 B6.3 B
Pretty Stable
Property Plant And Equipment Net1.7 B1.6 BB
Slightly volatile
Retained Earnings6.5 B6.2 B3.2 B
Slightly volatile
Common Stock Shares Outstanding120.4 M147.8 M169.5 M
Very volatile
Liabilities And Stockholders Equity91.6 B87.2 B66.3 B
Slightly volatile
Non Current Liabilities Total70.7 B67.3 B15.7 B
Slightly volatile
Total Liabilities85.6 B81.5 B49.4 B
Slightly volatile
Cash2.9 B2.2 B4.4 B
Slightly volatile
Cash And Short Term Investments628.9 M662 M12.9 B
Very volatile
Total Current AssetsB4.2 B31.4 B
Slightly volatile
Short Term Debt812.5 M1.5 B1.5 B
Slightly volatile
Good Will924.5 M924.3 M1.1 B
Slightly volatile
Intangible Assets40.9 M32 M32.4 M
Slightly volatile
Net Receivables316.4 M383 M384.5 M
Slightly volatile
Net Tangible AssetsB7.2 B5.5 B
Slightly volatile
Long Term Debt997.4 M1.2 B1.4 B
Slightly volatile
Common Stock Total Equity3.4 B2.4 B3.6 B
Slightly volatile
Retained Earnings Total Equity2.8 BB2.8 B
Slightly volatile
Long Term Debt Total997.4 M1.2 B1.4 B
Slightly volatile
Long Term Investments15 B15.8 B33.7 B
Slightly volatile
Preferred Stock Total Equity616.7 M509.4 M763.5 M
Slightly volatile
Non Current Liabilities Other2.8 BB2.4 B
Slightly volatile
Property Plant EquipmentB1.3 B983 M
Slightly volatile
Earning Assets19.3 B19.4 B17.2 B
Slightly volatile
Capital Surpluse2.5 B2.4 B3.3 B
Slightly volatile

Zions Bancorporation Income Statement

Current ValueLast YearHistorical Average 10 Year Trend
Interest Expense1.6 B1.5 B385.7 M
Slightly volatile
Selling General Administrative677.4 M1.4 B989.2 M
Slightly volatile
Total Revenue1.7 B2.7 B2.3 B
Slightly volatile
Gross Profit1.7 B2.7 B2.3 B
Slightly volatile
Other Operating Expenses2.2 B2.1 B774.5 M
Slightly volatile
Operating Income733.1 M1.1 B893.1 M
Slightly volatile
EBIT723.6 M886 M868.9 M
Slightly volatile
EBITDA817.5 MBB
Slightly volatile
Income Before Tax930.3 M886 M766.4 M
Slightly volatile
Net Income674.1 M642 M555.2 M
Slightly volatile
Income Tax Expense121 M206 M200.3 M
Slightly volatile
Selling And Marketing Expenses24.5 M46 M24.6 M
Slightly volatile
Cost Of Revenue2.3 B2.2 B1.8 B
Slightly volatile
Net Income From Continuing OpsB619.9 M797.1 M
Pretty Stable
Net Income Applicable To Common Shares506.5 M580.8 M439.9 M
Slightly volatile
Non Operating Income Net Other437.1 M416.3 M177.8 M
Slightly volatile
Tax Provision258.1 M272.6 M208.5 M
Slightly volatile
Net Interest Income2.2 B2.6 BB
Slightly volatile
Interest Income2.5 B3.1 B2.3 B
Slightly volatile

Zions Bancorporation Cash Flow Statement

Current ValueLast YearHistorical Average 10 Year Trend
Free Cash Flow521 M772 M635.1 M
Pretty Stable
Dividends Paid296.1 M282 M181.5 M
Slightly volatile
Capital Expenditures96.8 M113 M130.7 M
Slightly volatile
Total Cash From Operating Activities617.8 M885 M765.8 M
Slightly volatile
End Period Cash FlowB716 M802.8 M
Pretty Stable
Begin Period Cash Flow945.6 M657 M828.4 M
Slightly volatile
Stock Based Compensation31.4 M33 M48 M
Slightly volatile

Financial Ratios

Current ValueLast YearHistorical Average 10 Year Trend
Price To Sales Ratio2.322.39622.647
Slightly volatile
Dividend Yield0.0220.04350.0295
Pretty Stable
PTB Ratio1.691.13891.0664
Slightly volatile
Days Sales Outstanding70.6348.5558.7717
Slightly volatile
Book Value Per Share40.0138.5183101
Slightly volatile
Free Cash Flow Yield0.150.11910.129
Slightly volatile
Operating Cash Flow Per Share3.425.98994.3704
Slightly volatile
Stock Based Compensation To Revenue0.01240.01220.0112
Slightly volatile
PB Ratio1.691.13891.0664
Slightly volatile
Free Cash Flow Per Share2.885.22513.6333
Slightly volatile
ROIC0.180.10440.0922
Slightly volatile
Net Income Per Share4.834.60243.2857
Slightly volatile
Sales General And Administrative To Revenue0.310.50060.4392
Slightly volatile
Capex To Revenue0.04380.04180.0537
Pretty Stable
Cash Per Share4.264.480672.2675
Pretty Stable
POCF Ratio6.967.3248.7306
Slightly volatile
Interest Coverage0.660.69915.3564
Pretty Stable
Payout Ratio0.280.41470.3414
Slightly volatile
Capex To Operating Cash Flow0.110.12770.1844
Very volatile
PFCF Ratio8.828.39611.4957
Pretty Stable
ROE0.10.11950.0919
Slightly volatile
PE Ratio9.189.531912.4215
Pretty Stable
Return On Tangible Assets0.00820.00790.0085
Slightly volatile
Earnings Yield0.110.10490.0889
Pretty Stable
Intangibles To Total Assets0.01150.01210.0153
Slightly volatile
Current Ratio0.280.297729 K
Slightly volatile
Tangible Book Value Per Share35.5531.350795.7842
Slightly volatile
Receivables Turnover4.747.786.5823
Slightly volatile
Graham Number66.3163.156550.4789
Slightly volatile
Shareholders Equity Per Share20.5238.518335.0783
Slightly volatile
Debt To Equity0.610.36250.2613
Slightly volatile
Capex Per Share0.540.76480.7371
Slightly volatile
Revenue Per Share9.7318.308213.2587
Slightly volatile
Interest Debt Per Share25.3924.176310.9454
Slightly volatile
Debt To Assets0.0450.02370.0197
Slightly volatile
Short Term Coverage Ratios0.550.580363.6717
Slightly volatile
Price Earnings Ratio9.189.531912.4215
Pretty Stable
Price Book Value Ratio1.691.13891.0664
Slightly volatile
Dividend Payout Ratio0.280.41470.3414
Slightly volatile
Price To Operating Cash Flows Ratio6.967.3248.7306
Slightly volatile
Price To Free Cash Flows Ratio8.828.39611.4957
Pretty Stable
Pretax Profit Margin0.290.32750.3082
Slightly volatile
Ebt Per Ebit0.880.83980.7494
Slightly volatile
Operating Profit Margin0.670.390.3925
Slightly volatile
Effective Tax Rate0.330.23250.2876
Slightly volatile
Company Equity Multiplier13.615.32310.6953
Slightly volatile
Long Term Debt To Capitalization0.08210.08640.094
Very volatile
Total Debt To Capitalization0.330.26610.156
Slightly volatile
Return On Capital Employed0.01370.01440.0231
Slightly volatile
Debt Equity Ratio0.610.36250.2613
Slightly volatile
Ebit Per Revenue0.670.390.3925
Slightly volatile
Quick Ratio0.280.297729 K
Slightly volatile
Dividend Paid And Capex Coverage Ratio3.342.24053.2007
Slightly volatile
Net Income Per E B T0.770.76750.7201
Slightly volatile
Cash Ratio0.150.15554.8 K
Slightly volatile
Operating Cash Flow Sales Ratio0.260.32720.3233
Slightly volatile
Days Of Sales Outstanding70.6348.5558.7717
Slightly volatile
Free Cash Flow Operating Cash Flow Ratio0.950.87230.8196
Very volatile
Cash Flow Coverage Ratios0.410.42999.5062
Pretty Stable
Price To Book Ratio1.691.13891.0664
Slightly volatile
Fixed Asset Turnover3.421.72072.5403
Slightly volatile
Capital Expenditure Coverage Ratio5.497.83196.8491
Slightly volatile
Price Cash Flow Ratio6.967.3248.7306
Slightly volatile
Debt Ratio0.0450.02370.0197
Slightly volatile
Cash Flow To Debt Ratio0.410.42999.5062
Pretty Stable
Price Sales Ratio2.322.39622.647
Slightly volatile
Return On Assets0.00810.00780.0084
Slightly volatile
Asset Turnover0.04980.0310.0385
Pretty Stable
Net Profit Margin0.140.25140.2189
Slightly volatile
Gross Profit Margin0.780.880.9587
Slightly volatile
Price Fair Value1.691.13891.0664
Slightly volatile
Return On Equity0.10.11950.0919
Slightly volatile
Operating Cycle54.0660.8266.2259
Slightly volatile
Cash Conversion Cycle54.0660.8266.2259
Slightly volatile

Zions Bancorporation Valuation Data

Current ValueLast YearHistorical Average 10 Year Trend
Market CapB6.6 B6.4 B
Slightly volatile

Zions Fundamental Market Drivers

Cash And Short Term Investments662 M

About Zions Bancorporation Financial Statements

Zions Bancorporation investors utilize fundamental indicators, such as revenue or net income, to predict how Zions Stock might perform in the future. Analyzing these trends over time helps investors make informed market timing decisions. For further insights, please visit our fundamental analysis page.
Last ReportedProjected for Next Year
Total Revenue2.7 B1.7 B
Cost Of Revenue2.2 B2.3 B
Stock Based Compensation To Revenue 0.01  0.01 
Sales General And Administrative To Revenue 0.50  0.31 
Capex To Revenue 0.04  0.04 
Revenue Per Share 18.31  9.73 
Ebit Per Revenue 0.39  0.67 

Building efficient market-beating portfolios requires time, education, and a lot of computing power!

The Portfolio Architect is an AI-driven system that provides multiple benefits to our users by leveraging cutting-edge machine learning algorithms, statistical analysis, and predictive modeling to automate the process of asset selection and portfolio construction, saving time and reducing human error for individual and institutional investors.

Try AI Portfolio Architect
When determining whether Zions Bancorporation is a strong investment it is important to analyze Zions Bancorporation's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Zions Bancorporation's future performance. For an informed investment choice regarding Zions Stock, refer to the following important reports:
Check out the analysis of Zions Bancorporation Correlation against competitors.
For more information on how to buy Zions Stock please use our How to buy in Zions Stock guide.
You can also try the Pattern Recognition module to use different Pattern Recognition models to time the market across multiple global exchanges.
Is Oil & Gas Exploration & Production space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Zions Bancorporation. If investors know Zions will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Zions Bancorporation listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
The market value of Zions Bancorporation is measured differently than its book value, which is the value of Zions that is recorded on the company's balance sheet. Investors also form their own opinion of Zions Bancorporation's value that differs from its market value or its book value, called intrinsic value, which is Zions Bancorporation's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Zions Bancorporation's market value can be influenced by many factors that don't directly affect Zions Bancorporation's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Zions Bancorporation's value and its price as these two are different measures arrived at by different means. Investors typically determine if Zions Bancorporation is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Zions Bancorporation's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.