Zions Bancorporation N.A.
ZIONNasdaqCIK 109380Financial / Banksfiscal year ends December70 quarters since 2009
Revenue, Q3 FY2026
—
no year-earlier figure
Net income
$263M
+18.5% on Q3 FY2025
Free cash flow
$860M
+108.2% on Q3 FY2025
Diluted EPS
$1.78
+20.3% on Q3 FY2025
Revenue, TTM
—
trailing four quarters
Net margin, TTM
—
net income $1.2B
Free cash flow, TTM
$2.1B
$2.3B less $130M capex
Cash and equivalents
—
long-term debt —, Sep 30, 2026
Shares, 12-month change
−1.8%
145M shares, Sep 30, 2026
Buybacks, TTM
$227M
2.4% of market value
Dividends, TTM
$276M
2.9% of market value
Latest quarter Q3 FY2026, filed November 5, 2026. Trailing figures sum the latest four quarters. Market values at the latest close, from a market data vendor.
In Q3 FY2026, the quarter ended September 30, 2026, Zions Bancorporation N.A. reported no revenue line, and net income of $263M (+18.5%). Free cash flow, operating cash flow less capital expenditures, was $860M ($894M less $34M). Diluted earnings per share were $1.78.
Share price
Daily candlesticks from November 11, 2024 to November 6, 2026, with each earnings release marked; a release after the close marks the day it came out, so its reaction is the next candle. See this earnings season for every company’s reaction.
ZION daily priceSplit-adjusted, US dollars; an earnings release
Nov 6, 2026O $64.38 · H $65.18 · L $64.17 · C $64.76 · −0.26% on the dayOver the range: +26.36%, Nov 7, 2025 to Nov 6, 2026
The last 16 quarters
Q4 FY2022 to Q3 FY2026, through the filing of November 5, 2026.
Net income losses drawn in red.
Operating cash flow less capital expenditures; negative quarters in red.
Positions at each quarter end, as filed; short-term investments are not included.
Income statement
Last eight quarters, newest first, through Q3 FY2026 filed November 5, 2026.
| Millions of dollars | Q3 FY2026ended Sep 30, 2026filed Nov 5, 2026 | Q2 FY2026ended Jun 30, 2026filed Aug 6, 2026 | Q1 FY2026ended Mar 31, 2026filed May 7, 2026 | Q4 FY2025ended Dec 31, 2025filed Feb 24, 2026 | Q3 FY2025ended Sep 30, 2025filed Nov 6, 2025 | Q2 FY2025ended Jun 30, 2025filed Aug 7, 2025 | Q1 FY2025ended Mar 31, 2025filed May 8, 2025 | Q4 FY2024ended Dec 31, 2024filed Feb 25, 2025 | YoYQ3 FY2026vs Q3 FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — |
| Cost of revenue | — | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — | — |
| Research and development | — | — | — | — | — | — | — | — | — |
| Selling, general and administrative | — | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — | — |
| Other income (expense) | — | — | — | — | — | — | — | — | — |
| Pretax income | — | — | — | — | — | — | — | — | — |
| Income tax | 73 | 130 | 61 | 76 | 63 | 68 | 69 | 54 | +15.9% |
| Net income | 263 | 453 | 233 | 263 | 222 | 244 | 170 | 216 | +18.5% |
| Diluted EPS ($) | 1.78 | 3.05 | 1.56 | 1.76 | 1.48 | 1.63 | 1.13 | 1.34 | +20.3% |
| Diluted shares (millions) | 145 | 146 | 147 | — | 147 | 147 | 147 | — | — |
Fourth quarters are the fiscal year less the first nine months when the filer reports no discrete fourth quarter, and are marked. Diluted EPS is never derived, so a derived quarter shows none. Italic figures are derived.
Balance sheet
Last eight quarters, newest first, through Q3 FY2026 filed November 5, 2026.
| Millions of dollars | Q3 FY2026ended Sep 30, 2026filed Nov 5, 2026 | Q2 FY2026ended Jun 30, 2026filed Aug 6, 2026 | Q1 FY2026ended Mar 31, 2026filed May 7, 2026 | Q4 FY2025ended Dec 31, 2025filed Feb 24, 2026 | Q3 FY2025ended Sep 30, 2025filed Nov 6, 2025 | Q2 FY2025ended Jun 30, 2025filed Aug 7, 2025 | Q1 FY2025ended Mar 31, 2025filed May 8, 2025 | Q4 FY2024ended Dec 31, 2024filed Feb 25, 2025 | YoYQ3 FY2026vs Q3 FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | — | — | — | — | — | — | — | — | — |
| Short-term investments | — | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — | — |
| Total assets | 90,920 | 89,041 | 87,957 | 88,690 | 88,533 | 88,893 | 87,992 | 88,775 | +2.7% |
| Total current liabilities | — | — | — | — | — | — | — | — | — |
| Long-term debt | — | — | — | — | — | — | — | 946 | — |
| Total liabilities | 83,236 | 81,360 | 80,661 | 81,510 | 81,668 | 82,297 | 81,665 | 82,651 | +1.9% |
| Stockholders’ equity | 7,684 | 7,681 | 7,296 | 7,180 | 6,865 | 6,596 | 6,327 | 6,124 | +11.9% |
| Shares outstanding (millions) | 145 | 146 | 147 | 148 | 148 | 148 | 148 | 148 | — |
Positions at each period end. Nothing on this statement is derived. Long-term debt is the filed noncurrent line only; no total-debt composite is constructed across filers. Italic figures are derived.
Cash flow statement
Last eight quarters, newest first, through Q3 FY2026 filed November 5, 2026.
| Millions of dollars | Q3 FY2026ended Sep 30, 2026filed Nov 5, 2026 | Q2 FY2026ended Jun 30, 2026filed Aug 6, 2026 | Q1 FY2026ended Mar 31, 2026filed May 7, 2026 | Q4 FY2025ended Dec 31, 2025filed Feb 24, 2026 | Q3 FY2025ended Sep 30, 2025filed Nov 6, 2025 | Q2 FY2025ended Jun 30, 2025filed Aug 7, 2025 | Q1 FY2025ended Mar 31, 2025filed May 8, 2025 | Q4 FY2024ended Dec 31, 2024filed Feb 25, 2025 | YoYQ3 FY2026vs Q3 FY2025 |
|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 894 | 422 | 423 | 518 | 438 | (62) | 179 | 517 | +104.1% |
| Capital expenditures | 34 | 33 | 25 | 38 | 25 | 31 | 27 | 28 | +36.0% |
| Free cash flow (CFO − capex) | 860 | 389 | 398 | 480 | 413 | (93) | 152 | 489 | +108.2% |
| Depreciation and amortization | 31 | 27 | 30 | 29 | 30 | 29 | 28 | 29 | +3.3% |
| Share repurchases | 75 | 75 | 77 | 0 | 0 | 0 | 41 | 1 | — |
| Dividends paid | 72 | 68 | 68 | 68 | 68 | 65 | 66 | 74 | +5.9% |
10-Qs file cash flows as year-to-date totals, so quarterly figures are differenced from consecutive filings and marked. Free cash flow is operating cash flow less capital expenditures, computed from the two filed lines. Italic figures are derived.
Annual statements
Every fiscal year filed, newest first, through FY2025 filed February 24, 2026.
Income statement
| Millions of dollars | FY2025ended Dec 31, 2025filed Feb 24, 2026 | FY2024ended Dec 31, 2024filed Feb 25, 2025 | FY2023ended Dec 31, 2023filed Feb 23, 2024 | FY2022ended Dec 31, 2022filed Feb 23, 2023 | FY2021ended Dec 31, 2021filed Feb 25, 2022 | FY2020ended Dec 31, 2020filed Feb 25, 2021 | FY2019ended Dec 31, 2019filed Feb 26, 2020 | FY2018ended Dec 31, 2018filed Feb 26, 2019 | FY2017ended Dec 31, 2017filed Mar 1, 2018 | FY2016ended Dec 31, 2016filed Feb 28, 2017 | FY2015ended Dec 31, 2015filed Feb 29, 2016 | FY2014ended Dec 31, 2014filed Feb 27, 2015 | FY2013ended Dec 31, 2013filed Mar 3, 2014 | FY2012ended Dec 31, 2012filed Feb 28, 2013 | FY2011ended Dec 31, 2011filed Feb 29, 2012 | FY2010ended Dec 31, 2010filed Mar 1, 2011 | FY2009ended Dec 31, 2009filed Aug 9, 2010 | FY2008ended Dec 31, 2008filed Mar 1, 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Cost of revenue | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Gross profit | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Research and development | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Selling, general and administrative | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Operating income | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Other income (expense) | — | — | 57 | 17 | 43 | 24 | 43 | 44 | 40 | 24 | 30 | 44 | 46 | 56 | 42 | 33 | 27 | 46 |
| Pretax income | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Income tax | 276 | 228 | 206 | 245 | 317 | 133 | 237 | 259 | 344 | 236 | 142 | 223 | 143 | 193 | 199 | (107) | (401) | (43) |
| Net income | 899 | 784 | 680 | 907 | 1,129 | 539 | 816 | 884 | — | — | — | — | 264 | 350 | 324 | (293) | (1,216) | (266) |
| Diluted EPS ($) | 6.01 | 4.95 | 4.35 | 5.79 | 6.79 | 3.02 | 4.16 | 4.08 | 2.60 | 1.99 | 1.20 | 1.68 | 1.58 | 0.97 | 0.83 | (2.48) | (9.92) | (2.68) |
| Diluted shares (millions) | 147 | 147 | 148 | 150 | 160 | 166 | 187 | 207 | 210 | 204 | 204 | 193 | 184 | 183 | 183 | 166 | 124 | 109 |
Balance sheet
| Millions of dollars | FY2025ended Dec 31, 2025filed Feb 24, 2026 | FY2024ended Dec 31, 2024filed Feb 25, 2025 | FY2023ended Dec 31, 2023filed Feb 23, 2024 | FY2022ended Dec 31, 2022filed Feb 23, 2023 | FY2021ended Dec 31, 2021filed Feb 25, 2022 | FY2020ended Dec 31, 2020filed Feb 25, 2021 | FY2019ended Dec 31, 2019filed Feb 26, 2020 | FY2018ended Dec 31, 2018filed Feb 26, 2019 | FY2017ended Dec 31, 2017filed Mar 1, 2018 | FY2016ended Dec 31, 2016filed Feb 28, 2017 | FY2015ended Dec 31, 2015filed Feb 29, 2016 | FY2014ended Dec 31, 2014filed Feb 27, 2015 | FY2013ended Dec 31, 2013filed Mar 3, 2014 | FY2012ended Dec 31, 2012filed Feb 28, 2013 | FY2011ended Dec 31, 2011filed Feb 29, 2012 | FY2010ended Dec 31, 2010filed Mar 1, 2011 | FY2009ended Dec 31, 2009filed Aug 9, 2010 | FY2008ended Dec 31, 2008filed Mar 1, 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Cash and equivalents | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Short-term investments | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Total current assets | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Total assets | 88,690 | 88,775 | 87,203 | 89,545 | 93,200 | 81,479 | 69,172 | 68,746 | 66,288 | 63,239 | 59,665 | 57,209 | 56,031 | 55,512 | 53,149 | 51,035 | 51,123 | — |
| Total current liabilities | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Long-term debt | — | 946 | 542 | 651 | 1,012 | 1,336 | 1,723 | 724 | 383 | 535 | 812 | 1,092 | 2,274 | 2,337 | 1,954 | 1,943 | 2,033 | — |
| Total liabilities | 81,510 | 82,651 | 81,512 | 84,652 | 85,737 | 73,593 | 61,819 | 61,168 | 58,609 | 55,605 | 52,157 | 49,839 | 49,567 | 49,463 | 46,166 | 44,388 | 45,413 | — |
| Stockholders’ equity | 7,180 | 6,124 | 5,691 | 4,893 | 7,463 | 7,886 | 7,353 | 7,578 | 7,679 | — | — | — | 6,465 | 6,052 | 6,985 | 6,648 | 5,693 | — |
| Shares outstanding (millions) | 148 | 148 | 148 | 149 | 152 | 164 | 165 | 186 | 197 | 202 | 205 | 203 | 185 | 184 | 184 | 183 | — | — |
Cash flow statement
| Millions of dollars | FY2025ended Dec 31, 2025filed Feb 24, 2026 | FY2024ended Dec 31, 2024filed Feb 25, 2025 | FY2023ended Dec 31, 2023filed Feb 23, 2024 | FY2022ended Dec 31, 2022filed Feb 23, 2023 | FY2021ended Dec 31, 2021filed Feb 25, 2022 | FY2020ended Dec 31, 2020filed Feb 25, 2021 | FY2019ended Dec 31, 2019filed Feb 26, 2020 | FY2018ended Dec 31, 2018filed Feb 26, 2019 | FY2017ended Dec 31, 2017filed Mar 1, 2018 | FY2016ended Dec 31, 2016filed Feb 28, 2017 | FY2015ended Dec 31, 2015filed Feb 29, 2016 | FY2014ended Dec 31, 2014filed Feb 27, 2015 | FY2013ended Dec 31, 2013filed Mar 3, 2014 | FY2012ended Dec 31, 2012filed Feb 28, 2013 | FY2011ended Dec 31, 2011filed Feb 29, 2012 | FY2010ended Dec 31, 2010filed Mar 1, 2011 | FY2009ended Dec 31, 2009filed Aug 9, 2010 | FY2008ended Dec 31, 2008filed Mar 1, 2011 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating cash flow | 1,073 | 1,148 | 885 | 1,470 | 629 | 719 | 697 | 1,176 | 928 | 596 | 464 | 380 | 835 | 736 | 1,069 | 1,472 | 1,058 | 1,185 |
| Capital expenditures | 121 | 97 | 113 | 190 | 206 | 171 | 117 | 129 | 169 | 196 | 157 | 176 | 89 | 69 | 78 | (79) | 97 | 102 |
| Free cash flow (CFO − capex) | 952 | 1,051 | 772 | 1,280 | 423 | 548 | 580 | 1,047 | 759 | 400 | 307 | 205 | 747 | 667 | 991 | 1,551 | 961 | 1,083 |
| Depreciation and amortization | 116 | 124 | 140 | 110 | (14) | 86 | 188 | 193 | 179 | 123 | 86 | 58 | 131 | 185 | 240 | 373 | 213 | 140 |
| Share repurchases | 41 | 36 | 51 | 202 | 800 | 76 | 1,102 | 672 | 321 | 97 | 7 | 6 | — | — | — | — | — | — |
| Dividends paid | 267 | 289 | 282 | 269 | 261 | 259 | 260 | 236 | 129 | 108 | 108 | 96 | 120 | 134 | 156 | (109) | 96 | 196 |
Insider activity
Form 4 filings by officers, directors and 10% owners, November 9, 2024 to November 9, 2026. Only open-market purchases and sales count as buys and sells; awards, exercises, tax withholding and gifts are listed in grey and never counted.
Bought, three months
$0
0 purchases by 0 insiders; officers and directors $0
Sold, three months
$0
0 sales by 0 insiders; officers and directors $0
Bought, twelve months
$266K
1 purchases by 1 insider; officers and directors $266K
Sold, twelve months
$10M
21 sales by 7 insiders; officers and directors $10M
The last 25 transactions
| Traded | Insider | Role | Transaction | Shares | Price | Value | Held after | Filed |
|---|---|---|---|---|---|---|---|---|
| Aug 11, 2026 | Simmons Harris H | Chairman & CEO, Director | gift | 30,242 | $0.00 | — | 973,140 | Aug 11, 2026 |
| Aug 11, 2026 | Simmons Harris H | Chairman & CEO, Director | giftindirect | 30,242 | $0.00 | — | 353,353 | Aug 11, 2026 |
| Aug 4, 2026 | Mclean Scott J | President | option exercise | 2,055 | $48.65 | $100K | 73,043 | Aug 5, 2026 |
| Aug 4, 2026 | Mclean Scott J | President | option exercise | 18,820 | $48.65 | $916K | 91,863 | Aug 5, 2026 |
| Aug 4, 2026 | Mclean Scott J | President | open-market sale | 18,820 | $70.63 | $1M | 73,043 | Aug 5, 2026 |
| Aug 4, 2026 | Mclean Scott J | President | option exercise | 1,891 | $52.90 | $100K | 74,934 | Aug 5, 2026 |
| Aug 4, 2026 | Mclean Scott J | President | option exercise | 14,465 | $52.90 | $765K | 89,399 | Aug 5, 2026 |
| Aug 4, 2026 | Mclean Scott J | President | open-market sale | 14,465 | $70.63 | $1M | 74,934 | Aug 5, 2026 |
| Aug 4, 2026 | Law Scott A. | Executive Vice President | option exercise | 3,705 | $45.65 | $169K | 36,595 | Aug 5, 2026 |
| Aug 4, 2026 | Law Scott A. | Executive Vice President | open-market sale | 3,705 | $72.44 | $268K | 32,890 | Aug 5, 2026 |
| Aug 4, 2026 | Law Scott A. | Executive Vice President | option exercise | 903 | $45.65 | $41K | 33,793 | Aug 5, 2026 |
| Aug 4, 2026 | Law Scott A. | Executive Vice President | open-market sale | 903 | $72.36 | $65K | 32,890 | Aug 5, 2026 |
| Aug 3, 2026 | Mclean Scott J | President | open-market sale | 18,000 | $70.56 | $1M | 70,988 | Aug 5, 2026 |
| Aug 3, 2026 | Mclean Scott J | President | open-market saleindirect | 32,000 | $70.84 | $2M | 22,491 | Aug 5, 2026 |
| Aug 3, 2026 | Simmons Harris H | Chairman & CEO, Director | gift | 172,391 | $0.00 | — | 1M | Aug 4, 2026 |
| Aug 3, 2026 | Simmons Harris H | Chairman & CEO, Director | giftindirect | 172,391 | $0.00 | — | 323,111 | Aug 4, 2026 |
| Jul 31, 2026 | Simmons Harris H | Chairman & CEO, Director | gift | 141,720 | $0.00 | — | 1M | Aug 4, 2026 |
| Jul 31, 2026 | Simmons Harris H | Chairman & CEO, Director | giftindirect | 141,720 | $0.00 | — | 150,720 | Aug 4, 2026 |
| Jul 28, 2026 | Mclean Scott J | President | open-market sale | 6,650 | $0.00 | — | 88,988 | Jul 29, 2026 |
| Jul 28, 2026 | Steward Derek | Executive Vice President | option exercise | 894 | $45.65 | $41K | 18,343 | Jul 29, 2026 |
| Jul 28, 2026 | Steward Derek | Executive Vice President | open-market sale | 894 | $69.65 | $62K | 17,449 | Jul 29, 2026 |
| Jun 2, 2026 | Callister Nathan | Executive Vice President | tax withholding | 922 | $62.02 | $57K | 18,661 | Jun 3, 2026 |
| May 8, 2026 | Smith Jennifer Anne | Executive Vice President | open-market saleindirect | 4,209 | $62.50 | $263K | 0 | May 11, 2026 |
| May 6, 2026 | Richards Robert Ryan | Controller | option exercise | 2,004 | $52.90 | $106K | 36,899 | May 7, 2026 |
| May 4, 2026 | Smith Jennifer Anne | Executive Vice President | open-market sale | 550 | $62.96 | $35K | 6,527 | May 6, 2026 |
Full insider history for Zions Bancorporation N.A., or insider activity across all companies. A record of filings, not a recommendation.
Sources
Fiscal year ends in month 12; periods are labeled with the issuer's own fiscal calendar. Values are as most recently filed (restatements apply; per-share values are on current split basis per the connector's split table, flagged in adjusted). Flow items flagged in `derived` were computed (Q4 = FY − nine months; quarterly cash flow differenced from year-to-date filings) rather than read from a filing. `reconciliation.repaired` lists periods where a full-year figure was filed in a quarter slot: that row was dropped and the quarter rebuilt from the annual figure. `reconciliation.quarantined` lists periods where four filed quarters do not sum to the filed year — those quarterly values are withheld, so a blank there is a withholding rather than an absence of reporting.
- Filer
- ZIONS BANCORPORATION, NATIONAL ASSOCIATION, CIK 109380 on EDGAR
- Extract generated
- November 8, 2026
- Withheld
- 3 line-years whose four quarters do not sum to the filed year: dividends FY2010, other income FY2018, other income FY2019
- Repaired
- none
XBRL concepts behind each line
Income statement
Revenue: not filed
Cost of revenue: not filed
Gross profit: not filed
Research and development: not filed
Selling, general and administrative: not filed
Operating income: not filed
Other income (expense):
InvestmentIncomeNonoperatingPretax income: not filed
Income tax:
IncomeTaxExpenseBenefitNet income:
NetIncomeLossDiluted EPS ($):
EarningsPerShareDilutedDiluted shares (millions):
WeightedAverageNumberOfDilutedSharesOutstandingBalance sheet
Cash and equivalents: not filed
Short-term investments: not filed
Total current assets: not filed
Total assets:
AssetsTotal current liabilities: not filed
Long-term debt:
LongTermDebtTotal liabilities:
LiabilitiesStockholders’ equity:
StockholdersEquityShares outstanding (millions):
dei:EntityCommonStockSharesOutstandingCash flow statement
Operating cash flow:
NetCashProvidedByUsedInOperatingActivitiesCapital expenditures:
PaymentsToAcquirePropertyPlantAndEquipmentFree cash flow (CFO − capex): not filed
Depreciation and amortization:
DepreciationAndAmortizationShare repurchases:
PaymentsForRepurchaseOfCommonStockDividends paid:
PaymentsOfDividends, PaymentsOfDividendsCommonStockThe data
The statements on this page as files, generated November 8, 2026.
- JSON file
/data/financials/ZION.json