Annual Financials for Zions Bancorporation, National Association (ZION)

20 Years of financial data for all companies
Including key metrics, annual/quarterly financials, and historic PE ratio.



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All numbers in thousands except per share items and ratios.
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Reported Currency: USD TTM 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2013-12-31 2012-12-31 2011-12-31 2010-12-31 2009-12-31 2008-12-31 2007-12-31 2006-12-31 2005-12-31 2004-12-31
Revenue 4,939,000 2,705,000 3,337,000 2,911,000 2,789,000 2,834,000 2,782,000 2,609,000 2,382,957 2,092,380 2,188,633 2,033,735 2,151,810 2,254,369 2,215,433 2,532,447 2,162,338 2,294,296 2,315,933 1,800,193 1,592,359
Revenue Growth - -18.94% 14.63% 4.37% -1.59% 1.87% 6.63% 9.49% 13.89% -4.40% 7.62% -5.49% -4.55% 1.76% -12.52% 17.12% -5.75% -0.93% 28.65% 13.05%
Cost of Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 47,582 0 0 0 0 0 0
Gross Profit 4,939,000 2,705,000 3,337,000 2,911,000 2,789,000 2,834,000 2,782,000 2,609,000 2,382,957 2,092,380 2,188,633 2,033,735 2,151,810 2,254,369 2,167,851 2,532,447 2,162,338 2,294,296 2,315,933 1,800,193 1,592,359
Gross Profit Margin 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00% 97.85% 100.00% 100.00% 100.00% 100.00% 100.00% 100.00%
Research and Development 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
General and Administrative Expenses 1,391,000 1,400,000 1,324,000 1,171,000 1,131,000 1,185,000 1,146,000 1,086,000 1,044,349 1,032,448 1,013,702 974,299 954,782 965,375 903,968 974,341 878,687 863,316 811,220 595,266 551,050
Total Operating Expenses 1,279,000 3,115,000 39,000 -1,465,000 -2,117,000 -1,781,000 -1,388,000 22,000 22,143 25,314 25,100 23,362 25,720 27,164 24,820 1,254,804 -1,362,680 -241,440 -361,461 -507,748 -635,604
Operating Income or Loss 1,961,000 1,055,000 1,337,000 1,446,000 672,000 1,053,000 1,394,000 1,063,000 791,874 570,070 794,421 651,845 849,714 954,783 540,146 -818,294 799,658 2,052,856 1,954,472 1,292,445 956,755
Operating Margin 39.99% 39.00% 40.07% 49.67% 24.09% 37.16% 50.11% 40.74% 33.23% 27.25% 36.30% 32.05% 39.49% 42.35% 24.38% -32.31% 36.98% 89.48% 84.39% 71.79% 60.08%
Interest Expense 1,490,000 1,509,000 185,000 59,000 153,000 411,000 251,000 127,000 86,966 118,211 172,998 245,077 306,782 432,396 592,456 617,794 1,002,253 1,323,374 1,053,397 548,906 330,642
EBITDA 67,000 1,026,000 1,262,000 1,432,000 758,000 1,241,000 1,336,000 1,115,000 827,908 537,859 679,114 537,048 726,751 761,758 0 0 0 0 1,037,972 842,554 719,168
Depreciation and Amortization -115,000 140,000 110,000 -14,000 86,000 188,000 193,000 179,000 123,086 151,088 128,648 130,616 214,617 299,948 25,517 31,674 33,162 124,973 133,771 100,667 94,777
Income Before Tax 892,000 886,000 1,152,000 1,446,000 672,000 1,053,000 1,143,000 936,000 704,908 451,859 621,423 406,432 541,566 521,273 -403,168 -1,623,020 -314,698 737,498 912,924 743,539 626,113
Income Tax Expense 198,000 206,000 245,000 317,000 133,000 237,000 259,000 344,000 235,858 142,388 222,961 142,977 193,416 198,583 -106,819 -401,343 -43,365 235,737 317,950 263,418 220,126
Net Income 694,000 680,000 907,000 1,129,000 539,000 816,000 884,000 592,000 469,050 309,471 404,907 263,791 349,516 323,804 -292,728 -1,216,111 -266,269 493,745 583,125 480,121 405,987
Net Income Margin 13.99% 25.14% 27.18% 38.78% 19.33% 28.79% 31.78% 22.69% 19.68% 14.79% 18.50% 12.97% 16.24% 14.36% -13.21% -48.02% -12.31% 21.52% 25.18% 26.67% 25.50%
EPS 4.39 4.35 5.80 6.80 3.06 4.41 4.28 2.71 2.00 1.20 1.72 1.58 0.97 0.83 -1.76 -9.77 -2.44 4.47 5.46 5.27 4.53
EPS Diluted 4.39 4.35 5.79 6.79 3.03 4.16 4.28 2.60 1.99 1.20 1.71 1.58 0.97 0.83 -1.76 -9.77 -2.44 4.42 5.36 5.16 4.47
Weighted Average Shares Out - 147,748 150,064 159,913 163,737 175,984 206,501 200,776 203,855 203,265 192,207 183,844 183,081 182,393 165,962 124,443 108,908 107,365 106,057 91,187 89,663
Weighted Average Shares Out Diluted - 147,756 150,271 160,234 165,613 186,504 206,501 209,653 204,269 203,698 192,789 184,297 183,236 182,605 165,962 124,443 109,145 108,523 108,028 92,994 90,882

Reported Currency: USD Q3 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2013-12-31 2012-12-31 2011-12-31 2010-12-31 2009-12-31 2008-12-31 2007-12-31 2006-12-31 2005-12-31 2004-12-31
Current Assets
Cash and Cash Equivalents 1,114,000 2,204,000 1,997,000 10,878,000 1,617,000 1,448,000 1,233,000 1,330,000 2,148,179 6,906,443 8,020,039 9,350,131 7,820,885 8,245,245 5,500,134 2,023,153 3,808,735 2,581,601 1,982,013 1,728,769 852,249
Short Term Investments 19,352,000 0 11,915,000 24,048,000 15,731,000 13,725,000 14,737,000 15,161,000 13,372,194 7,643,116 3,844,248 3,701,886 3,091,310 3,230,795 4,205,742 3,655,619 2,676,255 5,134,610 5,050,907 0 0
Cash + Short Term Investments 20,466,000 2,204,000 13,912,000 34,926,000 17,348,000 15,173,000 16,212,000 16,671,000 15,701,789 14,549,559 11,864,287 13,052,017 10,912,195 11,476,040 9,705,876 5,678,772 6,484,990 7,716,211 7,032,920 1,728,769 852,249
Net Receivables 377,000 383,000 386,000 0 0 0 327,000 364,000 423,000 441,666 408,974 387,929 422,513 422,431 410,174 466,492 0 502,601 0 0 0
Inventory 0 0 0 -13,617,000 -7,906,000 -2,122,000 0 0 -31 -334 -26 -71 -487 0 0 0 0 0 0 0 0
Other Current Assets 0 3,559,000 0 0 0 0 34,111,000 30,695,000 29,833,042 33,657,361 37,638,104 35,633,168 37,671,410 34,504,300 33,141,374 37,489,914 40,589,993 35,018,572 30,475,333 32,342,159 24,389,075
Total Current Assets 20,466,000 3,559,000 6,169,000 35,253,000 17,668,000 15,507,000 50,650,000 47,730,000 45,957,800 48,648,586 49,911,365 49,073,114 49,006,118 46,402,771 43,257,424 43,635,178 47,074,983 43,237,384 37,508,253 34,070,928 25,241,324
Non-Current Assets
Property, Plant and Equipment 1,372,000 1,572,000 1,408,000 1,319,000 1,209,000 1,142,000 1,124,000 1,094,000 1,019,508 905,462 829,809 726,372 708,882 719,276 720,985 710,534 687,096 655,712 609,472 564,745 409,210
Goodwill 0 1,027,000 1,027,000 1,014,000 1,014,000 1,014,000 1,014,000 1,014,000 1,014,129 1,014,129 1,014,129 1,014,129 1,014,129 1,015,129 1,015,161 1,015,161 1,651,377 2,009,513 1,900,517 0 0
Intangible Assets 0 32,000 38,000 1,000 2,000 1,000 1,000 2,000 8,420 16,272 25,520 36,444 50,818 67,830 87,898 113,416 125,935 149,493 162,134 0 0
Long Term Investments 19,750,000 1,970,000 24,636,000 25,712,000 17,450,000 15,397,000 16,663,000 17,108,000 15,239,308 9,085,076 5,428,051 5,181,068 4,731,971 4,944,103 5,953,418 5,648,718 5,553,400 6,895,312 6,789,850 6,057,212 5,121,215
Tax Assets 0 0 0 0 360,000 310,000 325,000 275,000 455,936 -56,297,089 -53,098,956 -52,787,999 1,773,829 0 0 0 0 0 0 0 0
Other Non-Current Assets 0 80,949,000 -24,679,000 -28,046,000 -360,000 -310,000 -1,031,000 -935,000 -455,936 56,297,089 53,098,956 52,787,999 -1,773,829 0 0 0 0 0 0 0 0
Total Non-Current Assets 22,175,000 85,550,000 2,430,000 28,046,000 19,674,000 17,553,000 18,096,000 18,558,000 17,281,365 11,020,939 7,297,509 6,958,013 6,505,800 6,746,338 7,777,462 7,487,829 8,017,808 9,710,030 9,461,973 8,708,711 6,228,510
Other Assets 44,391,000 -1,906,000 80,946,000 29,901,000 44,134,000 36,112,000 0 0 0 0 -4,031 0 0 0 0 0 0 0 0 0 0
Total Assets 87,032,000 87,203,000 89,545,000 93,200,000 81,476,000 69,172,000 68,746,000 66,288,000 63,239,165 59,669,525 57,204,843 56,031,127 55,511,918 53,149,109 51,034,886 51,123,007 55,092,791 52,947,414 46,970,226 42,779,639 31,469,834
Current Liabilities
Accounts Payable 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Short Term Debt 2,919,000 1,525,000 7,100,000 0 0 0 0 0 0 0 1,200 0 5,409 70,273 166,394 121,273 15,451 297,850 220,507 167,188 181,396
Tax Payables 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Revenue 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Other Current Liabilities 24,973,000 12,652,000 5,483,000 0 0 0 0 0 0 0 22,922,108 0 0 -70,273 -166,394 -121,273 -15,451 -297,850 -220,507 -167,188 -181,396
Total Current Liabilities 27,892,000 14,177,000 1,263,000 802,000 1,888,000 1,000,000 4,500,000 3,600,000 500,000 235 1,200 278 5,409 70,273 166,394 1,084 15,451 297,850 220,507 185,989 181,396
Non-Current Liabilities
Long Term Debt 552,000 538,000 651,000 1,012,000 1,336,000 1,723,000 724,000 383,000 1,703 812,366 2,873 2,913 2,917 1,954,462 1,942,622 2,032,942 3,201 2,466,093 2,357,721 2,511,366 1,918,741
Deferred Revenue 0 0 0 0 0 0 0 -811,000 -1,212,382 0 0 0 0 0 0 0 0 0 0 0 0
Deferred Tax 0 0 0 0 0 0 0 182,000 205,472 0 0 0 0 0 0 0 0 0 0 0 0
Other Non-Current Liabilities 52,203,000 66,797,000 71,418,000 42,769,000 38,191,000 53,993,000 54,791,000 0 533,147 28,955,428 26,913,163 30,003,725 47,042,818 -1,954,462 -1,942,622 -2,032,942 2,490,167 -2,466,093 -2,357,721 -2,511,366 -1,918,741
Total Non-Current Liabilities 52,755,000 67,335,000 82,500,000 1,012,000 1,336,000 1,723,000 724,000 383,000 534,850 817,348 1,092,282 2,273,575 2,337,113 1,954,462 1,942,622 2,017,220 2,493,368 2,463,254 2,357,721 2,745,854 1,918,741
Total Liabilities 80,647,000 81,512,000 84,652,000 1,012,000 1,336,000 61,819,000 61,168,000 58,609,000 55,604,859 52,162,006 49,828,868 49,566,564 49,463,277 46,165,881 44,387,672 45,412,750 48,563,775 47,623,675 41,940,412 38,514,824 28,656,496
Common Stock 1,717,000 1,731,000 1,754,000 1,928,000 2,686,000 2,735,000 0 4,445,000 4,724,715 4,766,731 4,723,855 4,179,024 4,166,109 4,163,242 4,163,619 3,318,417 2,599,916 2,212,237 2,230,303 2,156,732 972,065
Retained Earnings 6,564,000 6,212,000 5,811,000 5,175,000 4,309,000 4,009,000 3,456,000 2,782,000 2,321,571 1,966,910 1,776,150 1,473,670 1,203,815 1,036,590 889,284 1,324,516 2,433,363 2,910,692 2,602,189 2,179,885 1,830,064
Accumulated Other Comprehensive Income/Loss -2,336,000 -2,692,000 -3,112,000 -80,000 325,000 43,000 -250,000 -114,000 -121,581 -54,612 -128,041 -192,101 -446,157 -592,084 -461,296 -436,899 -98,958 -58,835 -75,849 -99,353 -12,150
Total Stockholders Equity 6,385,000 5,691,000 4,893,000 7,463,000 7,886,000 7,353,000 7,578,000 7,679,000 7,634,306 7,507,519 7,375,975 6,464,563 6,052,069 6,985,308 6,648,279 5,692,658 6,501,696 5,292,800 4,987,023 4,237,264 2,789,979
Total Investments 29,278,000 1,970,000 36,551,000 49,760,000 33,181,000 29,122,000 30,936,000 31,789,000 28,792,918 16,728,192 9,272,299 8,882,954 7,823,281 8,174,898 10,159,160 9,304,337 8,229,655 12,029,922 11,840,757 6,057,212 5,121,215
Total Debt 2,919,000 2,067,000 7,751,000 1,012,000 1,336,000 1,723,000 724,000 383,000 534,850 817,348 1,092,282 2,273,575 2,342,522 2,024,735 2,109,016 2,018,304 2,508,758 2,761,104 2,578,228 2,931,843 2,100,137
Net Debt 1,805,000 -137,000 5,754,000 -9,866,000 -281,000 275,000 -509,000 -947,000 -1,613,329 -6,089,095 -6,927,757 -7,076,556 -5,478,363 -6,220,510 -3,391,118 -4,849 -1,299,977 179,503 596,215 1,203,074 1,247,888

Reported Currency: USD TTM 2023-12-31 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31 2017-12-31 2016-12-31 2015-12-31 2014-12-31 2013-12-31 2012-12-31 2011-12-31 2010-12-31 2009-12-31 2008-12-31 2007-12-31 2006-12-31 2005-12-31 2004-12-31
Cash Flows from Operating Activities
Net Income 891,663 674,000 907,000 1,129,000 539,000 816,000 884,000 592,000 469,050 309,471 398,462 263,455 348,150 322,690 -296,349 -1,221,677 -266,269 493,745 583,125 480,121 405,987
Depreciation & Amortization 143,964 140,000 110,000 -14,000 86,000 188,000 193,000 179,000 123,086 151,088 128,648 130,616 214,617 299,948 372,754 213,040 140,201 124,973 133,771 100,667 94,777
Deferred Income Tax 8,000 -9,000 -43,000 32,000 -58,000 -2,000 -41,000 154,000 -8,442 -29,803 25,938 -60,117 9,788 115,604 -28,665 -15,071 -231,241 -158,702 9,368 -32,362 -21,914
Stock Based Compensation 57,000 33,000 30,000 28,000 26,000 27,000 26,000 25,000 26,000 25,000 23,632 28,052 31,533 0 0 29,789 31,850 28,274 24,358 0 0
Change in Working Capital 175,555 -148,000 390,000 -158,000 -259,000 -353,000 139,000 4,000 -74,078 -56,544 -5,969 363,851 79,749 201,033 404,300 -551,355 199,314 87,146 257,405 -30,624 -66,923
Accounts Receivable 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 56,807 34,288 -7,521 -42,498 0 0
Inventory 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -329,697 316,698 36,480 203,452 0 0
Accounts Payable 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 -26,508 -10,765 -3,576 31,020 0 0
Other Working Capital 178,555 -148,000 390,000 -158,000 -259,000 -353,000 139,000 4,000 -74,078 -56,544 -5,969 363,851 79,749 201,033 404,300 -251,957 -140,907 61,763 65,431 -30,624 -66,923
Other Non-Cash Items 596,812 195,000 76,000 -388,000 385,000 21,000 -25,000 -26,000 3,352 -14,355 -30,710 1,356 -26,492 -1,691 -33,610 2,603,172 1,300,094 157,464 38,960 286,116 51,036
Net Cash Provided by Operating Activities 1,722,994 885,000 1,470,000 629,000 719,000 697,000 1,176,000 928,000 596,067 535,169 454,107 876,566 765,627 1,097,067 1,460,994 1,057,898 1,173,949 732,900 1,046,987 754,194 662,372
Cash Flows from Investing Activities
Investments in Property, Plant, and Equipment -98,000 -113,000 -190,000 -206,000 -171,000 -117,000 -129,000 -169,000 -195,663 -157,361 -175,799 -88,580 -68,894 -77,669 -79,071 -103,347 -114,164 -103,223 -122,432 -67,995 -72,289
Acquisitions Net -1,010,841 0 318,000 2,814,000 -4,687,000 -1,957,000 0 -2,127,000 -2,081,372 -608,838 -1,025,047 3,786 -19,901 -853,310 21,149 452,192 688,940 45,432 -13,145 -189,718 72,289
Purchases of Investments 678,984 -524,000 -6,526,000 -19,486,000 -12,192,000 -2,073,000 -4,076,000 -5,040,000 -9,774,287 -5,574,402 -2,062,358 -1,481,032 -2,650,102 -3,909,053 -5,778,894 -1,947,307 -4,341,227 -5,507,463 -2,937,867 -3,923,910 -4,250,698
Sales/Maturities of Investments 975,633 5,147,000 12,404,000 5,268,000 4,804,000 4,520,000 3,436,000 3,409,000 8,629,311 3,640,964 1,887,731 1,531,984 1,380,339 2,328,181 1,268,473 3,402,830 3,983,438 4,326,233 3,435,913 4,161,979 4,063,228
Other Investing Activities 898,057 -2,140,000 -4,601,000 31,000 42,000 2,000 -1,937,000 8,000 -14,243 48,919 34,916 -1,359,318 -550,416 19,407 2,642,646 1,838,499 -3,289,251 -3,817,272 -4,602,495 -2,411,904 -2,988,681
Net Cash Used for Investing Activities 758,833 2,370,000 1,405,000 -11,579,000 -12,204,000 375,000 -2,706,000 -3,919,000 -3,436,254 -2,650,718 -1,340,557 -1,393,160 -1,908,974 -2,492,444 -1,925,697 3,642,867 -3,072,264 -5,056,293 -4,240,026 -2,431,548 -3,176,151
Cash Flows from Financing Activities
Debt Repayment 1,304,000 -6,166,000 9,224,000 -955,000 -910,000 -2,608,000 1,012,000 3,996,000 200,000 -184,988 -1,319,400 -243,800 14,455 -111,139 57,314 -2,948,382 -3,637,950 3,755,178 949,435 -340,508 -175,971
Common Stock Issued 2,000 3,000 9,000 21,000 8,000 14,000 20,000 25,000 25,072 22,392 526,438 794,143 143,240 25,686 977,145 464,110 354,302 59,473 79,511 90,800 80,225
Common Stock Repurchased -36,000 -51,000 -202,000 -926,000 -76,000 -1,102,000 -684,000 -321,000 -97,000 -7,000 -5,589 -799,468 -1,542,500 0 0 0 -2,881 -322,025 -26,483 -82,211 -104,881
Dividends Paid -388,015 -282,000 -269,000 -261,000 -259,000 -260,000 -236,000 -129,000 -107,851 -108,055 -96,130 -119,660 -133,581 -156,135 -109,316 -96,271 -195,679 -195,650 -160,821 -130,300 -114,600
Other Financing Activities -3,235,398 3,300,000 -11,575,000 12,997,000 12,560,000 2,975,000 1,472,000 -769,000 2,759,358 2,349,969 1,451,953 -580,913 1,736,790 1,937,189 -906,503 -1,760,525 5,001,344 942,762 2,583,617 2,995,165 2,558,628
Net Cash Used Provided by Financing Activities -2,353,413 -3,196,000 -2,813,000 11,002,000 11,323,000 -981,000 1,596,000 2,802,000 2,779,195 2,071,926 557,272 -150,230 1,760,904 1,695,601 18,640 -4,806,552 1,519,136 4,239,738 3,425,259 2,532,946 2,245,426
Effect of Forex Changes on Cash -490,000 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
Net Change in Cash 414,000 59,000 62,000 52,000 -162,000 91,000 66,000 -189,000 -60,992 -43,623 -329,178 -666,824 617,557 300,224 -446,063 -105,787 -379,179 -83,655 232,220 855,592 -268,353
Cash at End of Period 3,256,000 716,000 657,000 595,000 543,000 705,000 614,000 548,000 737,327 798,319 845,905 1,175,083 1,841,907 1,224,350 924,126 1,370,189 1,475,976 1,855,155 1,938,810 1,706,590 850,998
Cash at Start of Period 2,842,000 657,000 595,000 543,000 705,000 614,000 548,000 737,000 798,319 841,942 1,175,083 1,841,907 1,224,350 924,126 1,370,189 1,475,976 1,855,155 1,938,810 1,706,590 850,998 1,119,351
Free Cash Flow
Operating Cash Flow 799,000 885,000 1,470,000 629,000 719,000 697,000 1,176,000 928,000 596,067 535,169 454,107 876,566 765,627 1,097,067 1,460,994 1,057,898 1,173,949 732,900 1,046,987 754,194 662,372
Capital Expenditure -98,000 -113,000 -190,000 -206,000 -171,000 -117,000 -129,000 -169,000 -195,663 -157,361 -175,799 -88,580 -68,894 -77,669 -79,071 -103,347 -114,164 -103,223 -122,432 -67,995 -72,289
Free Cash Flow 701,000 772,000 1,280,000 423,000 548,000 580,000 1,047,000 759,000 400,404 377,808 278,308 787,986 696,733 1,019,398 1,381,923 954,551 1,059,785 629,677 924,555 686,199 590,083