ZION
Zions Bancorporation
NASDAQ: ZION · FINANCIAL SERVICES · BANKS - REGIONAL
$63.99
+1.36% today
Updated 2026-05-06
Market cap
$9.30B
P/E ratio
9.82
P/S ratio
2.74x
EPS (TTM)
$6.44
Dividend yield
2.81%
52W range
$44 – $66
Volume
1.7M
Zions Bancorporation (ZION) Financial statements
SEC filings — annual and quarterly data.
Income statement — annual
| Item | 2006 | 2007 | 2008 | 2009 | 2010 | 2011 | 2012 | 2013 | 2014 | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.37B | $3.62B | $3.16B | $3.15B | $2.76B | $2.69B | $2.46B | $2.28B | $2.35B | $2.19B | $2.47B | $2.74B | $3.03B | $3.25B | $2.94B | $2.97B | $3.34B | $4.62B | $4.99B | $4.94B |
| Revenue growth (YoY) | — | +7.4% | -12.5% | -0.5% | -12.4% | -2.7% | -8.5% | -7.3% | +2.9% | -6.6% | +12.8% | +10.8% | +10.9% | +7.0% | -9.3% | +1.0% | +12.4% | +38.6% | +8.0% | -1.0% |
| Cost of revenue | $1.13B | $1.48B | $1.65B | $2.63B | $1.45B | $506.93M | $321.01M | $157.94M | $74.92M | $158.00M | $180.00M | $144.00M | $211.00M | $450.00M | $566.00M | $-217.00M | $307.00M | $1.64B | $1.94B | $1.63B |
| Gross profit | $2.24B | $2.14B | $1.51B | $515.52M | $1.32B | $2.18B | $2.14B | $2.12B | $2.27B | $2.03B | $2.29B | $2.59B | $2.82B | $2.79B | $2.38B | $3.19B | $3.03B | $2.98B | $3.06B | $3.31B |
| Gross margin | 66.6% | 59.2% | 47.8% | 16.4% | 47.6% | 81.1% | 86.9% | 93.1% | 96.8% | 92.8% | 92.7% | 94.7% | 93.0% | 86.1% | 80.8% | 107.3% | 90.8% | 64.5% | 61.2% | 67.1% |
| R&D | — | — | — | — | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | — | — | — | — | — | — | — |
| SG&A | $790.18M | $842.91M | $830.36M | $919.35M | $927.33M | $938.21M | $929.06M | $950.92M | $988.59M | $1.00B | $1.01B | $1.05B | $1.12B | $1.15B | $1.12B | $1.16B | $1.28B | $1.35B | $1.37B | $1.52B |
| Operating income | $912.92M | $737.50M | $-314.70M | $-1.62B | $-403.17M | $521.27M | $541.57M | $406.43M | $621.42M | $451.00M | $705.00M | $936.00M | $1.14B | $1.05B | $672.00M | $1.45B | $1.15B | $886.00M | $1.01B | $1.18B |
| Operating margin | 27.1% | 20.4% | -9.9% | -51.5% | -14.6% | 19.4% | 22.0% | 17.8% | 26.5% | 20.6% | 28.5% | 34.2% | 37.7% | 32.4% | 22.8% | 48.7% | 34.5% | 19.2% | 20.3% | 23.8% |
| EBITDA | $1.04B | $862.47M | $-174.50M | $-1.41B | $-30.41M | $761.76M | $726.75M | $537.05M | $679.11M | $537.00M | $828.00M | $1.11B | $1.34B | $1.24B | $758.00M | $1.43B | $1.26B | $1.03B | $1.14B | $1.29B |
| EBITDA margin | 30.8% | 23.8% | -5.5% | -44.8% | -1.1% | 28.4% | 29.6% | 23.6% | 29.0% | 24.5% | 33.5% | 40.8% | 44.0% | 38.2% | 25.8% | 48.2% | 37.8% | 22.2% | 22.8% | 26.1% |
| EBIT | $912.92M | $737.50M | $-314.70M | $-1.62B | $-403.17M | $521.27M | $541.57M | $406.43M | $621.42M | $451.00M | $705.00M | $936.00M | $1.14B | $1.05B | $672.00M | $1.45B | $1.15B | $886.00M | $1.01B | $1.18B |
| Interest expense | $1.05B | $1.32B | $1.00B | $617.79M | $592.46M | $432.40M | $306.78M | $245.08M | $173.00M | $118.00M | $87.00M | $127.00M | $251.00M | $411.00M | $152.00M | $59.00M | $185.00M | $1.51B | $1.86B | $1.56B |
| Income tax | $317.95M | $235.74M | $-43.37M | $-401.34M | $-106.82M | $198.58M | $193.42M | $142.98M | $222.96M | $142.00M | $236.00M | $344.00M | $259.00M | $237.00M | $133.00M | $317.00M | $245.00M | $206.00M | $228.00M | $276.00M |
| Effective tax rate | 35.3% | 32.3% | 14.0% | 24.8% | 26.7% | 38.0% | 35.6% | 35.1% | 35.9% | 31.5% | 33.5% | 36.8% | 22.7% | 22.5% | 19.8% | 21.9% | 21.3% | 23.3% | 22.5% | 23.5% |
| Net income | $583.13M | $493.75M | $-266.27M | $-1.22B | $-292.73M | $323.80M | $349.52M | $263.79M | $398.46M | $309.00M | $469.00M | $592.00M | $884.00M | $816.00M | $539.00M | $1.13B | $907.00M | $680.00M | $784.00M | $899.00M |
| Net income growth (YoY) | — | -15.3% | -153.9% | -356.7% | +75.9% | +210.6% | +7.9% | -24.5% | +51.1% | -22.5% | +51.8% | +26.2% | +49.3% | -7.7% | -33.9% | +109.5% | -19.7% | -25.0% | +15.3% | +14.7% |
| Profit margin | 17.3% | 13.6% | -8.4% | -38.6% | -10.6% | 12.1% | 14.2% | 11.6% | 17.0% | 14.1% | 19.0% | 21.6% | 29.1% | 25.1% | 18.3% | 38.0% | 27.2% | 14.7% | 15.7% | 18.2% |