Zions Bancorporation, N.A.

ZION Financial Banks Regional

Zions Bancorporation, N.A.’s revenue for fiscal 2025 (year ended December 2025) was $4.9 billion, down 1.02% from fiscal 2024.

Revenue
−0.80%
EPS
+20.3%
Free cash flow
+518.3%
Total debt
+64.0%

Quarter to September 2026, against a year earlier

65.13 1.50 −2.25%
Market cap
$9.5B
P/E
8.0×
Fwd P/E
8.2×
Dividend yield
2.81%
F-score
8/9
Altman Z
n/a
Beneish M
n/a
Dividend safety
n/a

Zions Bancorporation, N.A. (ZION) Free cash flow margin

Alert me on Free cash flow margin

Zions Bancorporation, N.A.'s free cash flow margin over the twelve months to 30 September 2026 was 0.00%, down 19.3 percentage points from fiscal 2025 (19.3%). Over the past ten years it has ranged from 14.0% (fiscal 2015) to 38.4% (fiscal 2022); the current reading is higher than 64% of that period. That is below the Banks Regional industry median of 18.0% and below the Financial sector median of 11.4%.

Free cash flow margin, annual

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Annual newest first

Period Free cash flow margin Change (points)
FY2025 19.3% (1.79)
FY2024 21.1% 4.35
FY2023 16.7% (21.66)
FY2022 38.4% 24.12
FY2021 14.2% (4.39)
FY2020 18.6% 0.76
FY2019 17.9% (16.65)
FY2018 34.5% 6.78
FY2017 27.7% 11.55
FY2016 16.2% 2.17

Against its own ten years

Low 14.0% High 38.4%
Ten-year median 18.6%
Current reading's percentile 64

Free cash flow margin against peers

Company Free cash flow margin
SSB SouthState Bank Corporation compare 41.5%
CBC Central Bancompany compare 38.2%
UMBF UMB Financial Corporation compare 25.9%
ONB Old National Bancorp compare 23.9%
CFR Cullen/Frost Bankers, Inc. compare 19.9%
BPOP Popular, Inc. compare 17.8%
CIB Grupo Cibest S.A. - Sponsored ADR compare 10.0%
ZION Zions Bancorporation, N.A. 0.00%
WTFC Wintrust Financial Corporation compare 0.00%
Banks Regional industry median 18.0%
Financial sector median 11.4%
Market median 0.00%

What Free cash flow margin is

Free Cash Flow Margin tells an investor how much of each sale turns into cash the company keeps after paying for investment in its assets.

(Operating Cash Flow + Property, Plant, Equipment Change (Net) + Intangible Assets Change (Net)) ÷ Revenue

The full definition of Free cash flow margin →

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