Friday 6 November 2026 Export ZION’s income statement to Excel — free account

Zions Bancorporation, N.A.

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%

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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

Overview Business Profile Earnings & Analysis Segments Valuation Filings

Zions Bancorporation, N.A. (ZION) revenue by segment, product and region

Revenue by product or service $m

Line	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Commercial account fees	185 34.97%	182 35.48%	174 34.59%	159 32.12%	137 30.51%	132 32.84%	121 29.23%	122 29.61%
Card fees	139 26.28%	144 28.07%	146 29.03%	149 30.10%	135 30.07%	113 28.11%	127 30.68%	125 30.34%
Retail and business banking fees	74 13.99%	67 13.06%	66 13.12%	73 14.75%	73 16.26%	68 16.92%	78 18.84%	78 18.93%
Other customer-related fees	58 10.96%	55 10.72%	60 11.93%	59 11.92%	52 11.58%	46 11.44%	41 9.90%	24 5.83%
Wealth management fees	54 10.21%	54 10.53%	53 10.54%	51 10.30%	46 10.24%	38 9.45%	34 8.21%	—
Capital markets fees and income	19 3.59%	11 2.14%	4 0.80%	4 0.81%	6 1.34%	5 1.24%	13 3.14%	12 2.91%
Products And Services, Wealth Management And Trust Fees	—	—	—	—	—	—	—	51 12.38%
Revenue	529	513	503	495	449	402	414	412

Revenue by segment $m

Line	FY2025	FY2024	FY2023	FY2022	FY2021	FY2020	FY2019	FY2018
Zions Bank	155 29.30%	157 30.60%	157 31.21%	160 32.32%	154 34.30%	136 33.83%	134 32.37%	134 32.52%
Amegy	138 26.09%	131 25.54%	125 24.85%	117 23.64%	103 22.94%	98 24.38%	98 23.67%	96 23.30%
CB&T	81 15.31%	74 14.42%	75 14.91%	70 14.14%	63 14.03%	56 13.93%	58 14.01%	58 14.08%
NSB	46 8.70%	46 8.97%	44 8.75%	42 8.48%	36 8.02%	31 7.71%	35 8.45%	35 8.50%
NBAZ	40 7.56%	39 7.60%	37 7.36%	38 7.68%	31 6.90%	28 6.97%	29 7.00%	30 7.28%
Vectra	28 5.29%	27 5.26%	25 4.97%	25 5.05%	21 4.68%	19 4.73%	19 4.59%	18 4.37%
TCBW	6 1.13%	6 1.17%	6 1.19%	5 1.01%	4 0.89%	3 0.75%	4 0.97%	4 0.97%
Other, not broken out	35 6.62%	33 6.43%	34 6.76%	38 7.68%	37 8.24%	31 7.71%	37 8.94%	37 8.98%
Revenue	529	513	503	495	449	402	414	412

Operating figures as reported in each quarter’s results release or filing

Figure	Quarter	Latest	A year before	Change
Accruing loans past due 30-89 days	Q3 FY2026	$91.0M	$69.0M	+31.88%
Accruing loans past due 90 days or more	Q3 FY2026	$5.0M	$5.0M	0.00%
Annualized ratio of net loan and lease charge-offs to average loans	Q3 FY2026	0.02%	0.37%	—
Classified loans	Q3 FY2026	$2.1B	$2.4B	−12.09%
Full-time equivalent employees	Q3 FY2026	9.0K	9.3K	−3.12%
Loan-to-deposit ratio	Q3 FY2026	80.0%	81.0%	—
Nonaccrual loans	Q3 FY2026	$311.0M	$319.0M	−2.51%
Nonaccrual loans and accruing loans past due 90 days or more	Q3 FY2026	$316.0M	$324.0M	−2.47%
Nonperforming assets	Q3 FY2026	$315.0M	$324.0M	−2.78%
Ratio of accruing loans past due 90 days or more to loans and leases	Q3 FY2026	0.01%	0.01%	—
Ratio of ACL to loans and leases outstanding, at period end	Q3 FY2026	1.11%	1.20%	—
Ratio of allowance for loan losses to loans and leases, at period end	Q3 FY2026	1.03%	1.13%	—
Ratio of allowance for loan losses to nonaccrual loans at period end	Q3 FY2026	207.0%	213.0%	—
Ratio of classified loans to total loans and leases	Q3 FY2026	3.40%	4.00%	—
Ratio of nonperforming assets and accruing loans 90 days or more past due to loans and leases and other real estate owned	Q3 FY2026	0.51%	0.54%	—
Ratio of nonperforming assets to loans and leases and other real estate owned	Q3 FY2026	0.50%	0.54%	—
Unfunded commitments	Q3 FY2026	$29.9B	$30.3B	−1.45%

	Q3 FY2026	Q2 FY2026	Q1 FY2026	Q4 FY2025	Q3 FY2025	Q2 FY2025	Q1 FY2025	Q4 FY2024	Q3 FY2024	Q2 FY2024	Q1 FY2024	Q4 FY2023
Accruing loans past due 30-89 days	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Accruing loans past due 90 days or more	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Annualized ratio of net loan and lease charge-offs to average loans	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Classified loans	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Full-time equivalent employees	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Loan-to-deposit ratio	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Nonaccrual loans	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Nonaccrual loans and accruing loans past due 90 days or more	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Nonperforming assets	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Ratio of accruing loans past due 90 days or more to loans and leases	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Ratio of ACL to loans and leases outstanding, at period end	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Ratio of allowance for loan losses to loans and leases, at period end	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Ratio of allowance for loan losses to nonaccrual loans at period end	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Ratio of classified loans to total loans and leases	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Ratio of nonperforming assets and accruing loans 90 days or more past due to loans and leases and other real estate owned	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Ratio of nonperforming assets to loans and leases and other real estate owned	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡
Unfunded commitments	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡	‡

As each company reports them in its 10-K and 10-Q filings, in US dollars. Where a later filing recast a year's segments, the year is shown as recast; a period whose breakdown does not add up to the company's revenue is left out.