Zions Bancorporation, National Association (ZION) Income Statement

Zions Bancorporation, National Association reported revenue of $3.38B in fiscal 2025 (fiscal year ended Dec 31, 2025), up 8.1% from $3.13B a year earlier. Net income was $899.00M, up 14.7% year over year, a net margin of 26.6%. Gross margin was 97.9% and operating margin 34.7%. In the most recent quarter, Q3 fiscal 2026 (ended Sep 30, 2026), revenue was $889.00M, up 9.5% from the same quarter a year earlier.

Zions Bancorporation, National Association Income Statement Analysis

Values in billions USD

Income Statement Balance Sheet Cash Flow Ratios

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Zions Bancorporation, National Association income statement - Annual data in billions USD
Breakdown	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017
Period ending	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019	Dec 2018	Dec 2017
Revenue & Gross Profit
Revenue	3.39	3.13	4.62	3.34	3.19	2.94	3.25	3.03	2.74
Cost of Revenue	1.63	1.94	1.64	0.31	-0.22	0.57	0.45	0.21	0.14
Gross Profit	3.32	3.06	2.98	3.03	3.19	2.38	2.80	2.82	2.59
Operating Expenses
Research & Development	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Selling, General & Administrative	1.49	1.41	1.40	1.32	0.47	1.18	1.17	1.14	1.08
Operating Expenses	2.14	2.05	2.10	1.88	1.74	1.70	1.74	1.68	1.66
Operating Income	1.18	1.01	0.89	1.15	1.45	0.67	1.05	1.14	0.94
Other Income/Expense
Interest Income	4.18	4.29	3.95	2.71	2.27	2.37	2.68	2.48	2.19
Interest Expense	1.56	1.86	1.51	0.19	0.06	0.15	0.41	0.25	0.13
Other Income/Expense	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00
Income
Income Before Tax	1.18	1.01	0.89	1.15	1.45	0.67	1.05	1.14	0.94
Income Tax Expense	0.28	0.23	0.21	0.25	0.32	0.13	0.24	0.26	0.34
Net Income	0.90	0.78	0.68	0.91	1.10	0.54	0.82	0.88	0.59
Net Income - Continuous Operations	0.90	0.78	0.68	0.91	1.13	0.54	0.82	0.88	0.59
Net Income - Discontinued Operations	-	-	-	-	-	-	-	-	-
EBITDA	1.29	0.12	1.03	1.26	-0.01	0.76	1.24	1.34	1.12
EBIT	-	-	-	-	-	-	-	-	-
Depreciation & Amortization	0.12	0.12	0.14	0.11	-0.01	0.09	0.19	0.19	0.18
Earnings Per Share
Basic EPS	6.00	5.00	4.00	6.00	7.00	3.00	4.00	4.00	3.00
Diluted EPS	6.00	5.00	4.00	6.00	7.00	3.00	4.00	4.00	3.00
Basic Shares Outstanding	0.15	0.15	0.15	0.15	0.16	0.16	0.18	0.19	0.20
Diluted Shares Outstanding	0.15	0.15	0.15	0.15	0.16	0.17	0.19	0.21	0.21

Source: Company financial statements from annual and quarterly filings. Data as of Sep 30, 2026. Data sources and methodology

Frequently Asked Questions About Zions Bancorporation, National Association Financial Statements

What was Zions Bancorporation, National Association's revenue in fiscal 2025?

Zions Bancorporation, National Association reported revenue of $3.38B in fiscal 2025 (fiscal year ended Dec 31, 2025). That was up 8.1% from $3.13B a year earlier.

Is Zions Bancorporation, National Association profitable?

Yes. Zions Bancorporation, National Association earned net income of $899.00M in fiscal 2025, a net margin of 26.6%. In fiscal 2024 it earned $784.00M.

What is Zions Bancorporation, National Association's operating margin?

Zions Bancorporation, National Association's operating income was $1.18B on revenue of $3.38B in fiscal 2025, an operating margin of 34.7%, compared with 32.3% a year earlier.

What is net profit margin?

Net profit margin is net income divided by revenue. It shows how much of each dollar of sales a company keeps as profit after all costs, interest and taxes. Full definition