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Zions Bancorporation, National Association Income Statement 2025-2007 | ZION
Brief overview of profit and loss at Zions Bancorporation, National Association
The conclusions below are based on five years of reported results. Revenue at Zions Bancorporation, National Association moved from $549 million in 2020 to $662 million in 2025. The five-year change reached +20.6%, while CAGR stood at 3.8%. The business did not achieve meaningful top-line expansion.
Over the period, net income shifted from $539 million to $263 million (−51.2%). The decline reduces the quality of the financial trajectory.
The five-year change in capitalization reached +1.3%: from 8.6 billion dollars to 8.7 billion dollars. Investor perception of value changed only slightly.
Conclusion
The financial profile remains mixed, with strengths and risks moving in different directions. The main areas of concern are a softer top-line trend and lower net income. The next reporting periods will show whether revenue, margins, and final profitability can strengthen.
Annual Income Statement Zions Bancorporation, National Association
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Market Cap |
8.71 B | 7.76 B | 5.76 B | 7.43 B | 11.3 B | 8.6 B | 7.65 B | 9.29 B | 10.8 B | 8.61 B | 4.61 B | 4.61 B | 5.4 B | 4.31 B | 3.05 B | 3.84 B | 1.77 B | 4.6 B | - |
Shares |
147 M | 147 M | 148 M | 150 M | 160 M | 164 M | 164 M | 194 M | 201 M | 204 M | 203 M | 192 M | 184 M | 183 M | 182 M | 166 M | 124 M | 109 M | - |
Historical Prices |
59.2 | 52.7 | 39 | 49.5 | 70.9 | 52.5 | 38 | 47.3 | 49.9 | 40.4 | 19 | 23.6 | 27.4 | 21.1 | 16.6 | 23.1 | 14.2 | 42.2 | 81.8 |
Net Income |
263 M | 216 M | 680 M | 907 M | 1.13 B | 539 M | 816 M | 884 M | 592 M | 469 M | 309 M | 398 M | 264 M | 350 M | 324 M | -293 M | -1.22 B | -266 M | - |
Revenue |
662 M | 639 M | 616 M | 614 M | 575 M | 549 M | 2.83 B | 2.78 B | 2.61 B | 2.38 B | 2.09 B | 2.19 B | 2.03 B | 2.15 B | 2.25 B | - | - | - | - |
Cost of Revenue |
1.35 B | 1.29 B | 1.28 B | 1.24 B | 1.13 B | 1.09 B | 1.14 B | 1.07 B | 1.01 B | 978 M | 973 M | 956 M | 913 M | 886 M | 874 M | 825 M | 819 M | 811 M | - |
Gross Profit |
- | - | - | - | - | - | 2.68 B | - | - | - | - | - | - | - | - | - | - | - | - |
Interest Expense |
683 M | 627 M | 1.51 B | 185 M | 59 M | 152 M | 411 M | 251 M | 127 M | 87 M | 118 M | 173 M | 245 M | 307 M | 432 M | 592 M | 618 M | 1 B | - |
EBITDA |
116 M | 124 M | 140 M | 110 M | -14 M | 86 M | 1.24 B | - | - | - | - | - | - | - | - | 373 M | 213 M | 140 M | - |
Operating Expenses |
- | - | - | - | - | - | 2.19 B | 1.89 B | 1.8 B | 1.76 B | 1.74 B | 1.72 B | 1.87 B | 1.92 B | 2.16 B | - | - | - | - |
General and Administrative Expenses |
- | - | - | - | - | - | 1.17 B | 1.12 B | 1.06 B | 1.02 B | 1.01 B | 989 M | 951 M | 929 M | 938 M | - | - | - | - |
All numbers in USD currency
Quarterly Income Statement Zions Bancorporation, National Association
| 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q4 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q4 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | 2010-Q3 | 2010-Q2 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Shares |
147 M | 147 M | 147 M | 147 M | 148 M | 147 M | 147 M | 147 M | 148 M | 148 M | 148 M | 148 M | 149 M | 150 M | 151 M | 151 M | 152 M | 160 M | 163 M | 164 M | 164 M | 164 M | 164 M | 164 M | 165 M | 173 M | 179 M | 185 M | 188 M | 193 M | 196 M | 197 M | 198 M | 200 M | 202 M | 202 M | 203 M | 204 M | 204 M | 204 M | 204 M | 204 M | 203 M | 203 M | 203 M | 197 M | 185 M | 184 M | 185 M | 184 M | 184 M | 183 M | 184 M | 183 M | 183 M | 183 M | 184 M | 183 M | 182 M | 182 M | 173 M | 162 M |
Net Income |
233 M | 222 M | 244 M | 170 M | - | 214 M | 201 M | 153 M | - | 175 M | 175 M | 204 M | - | 217 M | 203 M | 203 M | 213 M | 240 M | 354 M | 322 M | 284 M | 175 M | 66 M | 14 M | 183 M | 222 M | 198 M | 213 M | 226 M | 223 M | 197 M | 238 M | 124 M | 160 M | 168 M | 139 M | 137 M | 127 M | 114 M | 91 M | 102 M | 101 M | 14 M | 92 M | 81.8 M | 95.9 M | 120 M | 101 M | -41.5 M | 112 M | 83 M | 111 M | 58.3 M | 110 M | 91.7 M | 89.7 M | 89 M | 109 M | 72.9 M | 52.8 M | -47.3 M | -113 M |
Revenue |
172 M | 163 M | 164 M | 158 M | - | 161 M | 154 M | 151 M | - | 157 M | 162 M | 151 M | - | 156 M | 154 M | 151 M | - | 151 M | 139 M | 133 M | - | 139 M | 130 M | 143 M | - | 140 M | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Cost of Revenue |
361 M | 337 M | 336 M | 342 M | - | 317 M | 318 M | 331 M | - | 311 M | 324 M | 339 M | - | 312 M | 307 M | 312 M | - | 285 M | 272 M | 288 M | - | 269 M | 267 M | 274 M | - | 273 M | 274 M | 287 M | - | 264 M | 266 M | 269 M | - | 251 M | 240 M | 261 M | - | 242 M | 241 M | 258 M | - | 242 M | 251 M | 244 M | - | 246 M | 239 M | 233 M | - | 229 M | 227 M | 230 M | - | 220 M | 221 M | 225 M | - | 217 M | 222 M | 215 M | 208 M | 206 M |
Interest Expense |
662 M | 672 M | 648 M | 624 M | - | 620 M | 597 M | 468 M | - | 585 M | 591 M | 241 M | - | 44 M | 15 M | 11 M | 553 M | 14 M | 15 M | 17 M | 550 M | 26 M | 32 M | 74 M | 559 M | 110 M | 115 M | 99 M | 576 M | 66 M | 58 M | 47 M | 526 M | 35 M | 30 M | 26 M | 480 M | 22 M | 22 M | 22 M | 449 M | 30.9 M | 31.5 M | 31.1 M | 430 M | 43.5 M | 46.9 M | 51.1 M | 432 M | 57.9 M | 62.6 M | 66.6 M | 430 M | 70.8 M | 86.2 M | 81.4 M | 458 M | 83.8 M | 142 M | 129 M | 130 M | 170 M |
EBITDA |
30 M | - | - | 28 M | - | - | - | 32 M | - | - | - | 36 M | - | 79 M | - | 19 M | - | -22 M | - | -3 M | - | 75 M | 63 M | 45 M | - | 143 M | 93 M | 44 M | - | 49 M | 49 M | 43 M | - | 47 M | 47 M | 37 M | - | 34 M | 29 M | 25 M | - | 40.3 M | 35.1 M | 34.2 M | - | 33.9 M | 31.2 M | 32.4 M | - | 42.7 M | 21.9 M | 38.3 M | - | 47.8 M | 62.2 M | 57.1 M | - | 52.3 M | 106 M | 89.8 M | 65.5 M | 6.41 M |
All numbers in USD currency
The income statement is one of the three key financial reports of a company Zions Bancorporation, National Association (alongside the balance sheet and the cash flow statement). It shows how the company makes money and what its expenses are:
- How much revenue the company earned
- How much it spent on production, personnel, marketing, taxes, etc.
- What profit remained in the end
Analyzing the income statement helps an investor understand whether the business generates stable and growing profits, how effectively the company controls its expenses, and whether it is capable of generating income in the future. Additionally, this analysis shows how the company copes with crises and economic cycles, and allows assessing the potential for stock price growth and dividend payments.
Features- The income statement may include both recurring and one-time items (for example, profit from the sale of assets). It is necessary to separate core metrics from one-off events for accurate analysis.
- Companies often publish interim reports (e.g., quarterly), which allows for more timely tracking of trends.
- A combined analysis of the income statement with the balance sheet and cash flow statement provides a comprehensive view of the company’s financial health.
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