Zions Bancorporation N.A. (ZION)

Nasdaq: ZION · National Commercial Banks · Salt Lake City, UT · filing with the SEC since 1994

Grade4.1

◀ Past 3.5● Present 5.2▶ Future 3.6

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

Income statement, as filed

In thousands of US dollars (USD), as filed; per-share figures in US dollars; share counts in thousands. The fiscal year ends in December.

Income statement, by fiscal year, newest first
Fiscal year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019	FY 2018	FY 2017	FY 2016
Period ending	Dec 31, 2025	Dec 31, 2024	Dec 31, 2023	Dec 31, 2022	Dec 31, 2021	Dec 31, 2020	Dec 31, 2019	Dec 31, 2018	Dec 31, 2017	Dec 31, 2016
Report filed	Feb 24, 2026	Feb 25, 2025	Feb 23, 2024	Feb 23, 2023	Feb 25, 2022	Feb 25, 2021	Feb 26, 2020	Feb 26, 2019	Mar 1, 2018	Feb 28, 2017
Revenue	662,000	639,000	616,000^r	614,000	575,000	549,000	525,000	508,000	·	·
For lenders
Interest and dividend income	4,184,000	4,293,000	3,947,000	2,705,000	2,267,000	2,368,000	2,683,000	2,481,000	2,192,000	1,954,000^r
Interest and investment income	44,000	42,000	57,000	17,000	311,000	304,000	362,000	350,000	326,000	204,000^r
Interest expense on deposits and borrowings	1,557,000	1,863,000	1,509,000	185,000	·	·	·	·	·	·
Net interest income	2,627,000	2,430,000	2,438,000	2,520,000	2,208,000	2,216,000	2,272,000	2,230,000	2,065,000	1,867,000^r
Provision for credit losses	·	·	·	101,000	-258,000	385,000	37,000	-39,000	17,000	83,000^r
Net interest income after provision	2,555,000	2,358,000	2,306,000	2,398,000	2,484,000	1,802,000	2,233,000	2,270,000^r	2,041,000	1,774,000^r
Noninterest income	758,000	700,000	677,000	632,000	703,000	574,000	562,000	552,000	544,000	516,000^r
Noninterest expense	2,138,000	2,046,000	2,097,000	1,878,000	1,741,000	1,704,000	1,742,000	1,679,000^r	1,656,000^r	1,585,000^r
Interest expense	·	·	1,509,000	185,000	59,000	152,000	411,000	251,000	127,000	87,000^r
Income tax expense	276,000	228,000	206,000	245,000	317,000	133,000	237,000	259,000	344,000	236,000^r
Net income including non-controlling interests	·	·	·	·	·	·	816,000	884,000	592,000	469,000^r
Net income	899,000	784,000	680,000	907,000	1,129,000	539,000	816,000	884,000	·	·
Preferred dividends	·	·	·	·	·	·	·	·	·	47,982
Net income to common shareholders	895,000	737,000	648,000	878,000	1,100,000	505,000	782,000	850,000	550,000	411,000^r
Earnings per share, basic	6.01	4.95	4.35	5.80	6.80	3.06	4.41	4.36	2.71	2.00
Earnings per share, diluted	6.01	4.95	4.35	5.79	6.79	3.02	4.16	4.08	2.60	1.99
Weighted average shares, basic	147,115	147,210	147,748	150,064	159,913	163,737	175,984	193,589	200,776	203,855
Weighted average shares, diluted	147,157	147,215	147,756	150,271	160,234	165,613	186,504	206,501	209,653	204,269

As filed with the SEC, each figure from the newest report that carries it, and linked to it. Nothing here is computed.A dot is a line not tagged for that period. ^r restated by the company in a later report; ^b a share figure put on the newest basis or filed in the wrong unit. Hover a figure for its filing and note.

What each line is, and the XBRL concept behind it

Revenue what customers paid for what it soldus-gaap:Revenues

Interest and dividend income what its loans and securities earnedus-gaap:InterestAndDividendIncomeOperating

Interest and investment income what its cash and investments earned

us-gaap:InvestmentIncomeNet
us-gaap:InvestmentIncomeNonoperating
us-gaap:InvestmentIncomeInterest

Interest expense on deposits and borrowings what it paid for the money it lendsus-gaap:InterestExpenseOperating

Net interest income interest earned less interest paidus-gaap:InterestIncomeExpenseNet

Provision for credit losses set aside for loans that may not be repaid

us-gaap:ProvisionForLoanLossesExpensed
us-gaap:ProvisionForLoanAndLeaseLosses
us-gaap:ProvisionForLoanLeaseAndOtherLosses

Net interest income after provision interest income left after the provisionus-gaap:InterestIncomeExpenseAfterProvisionForLoanLoss

Noninterest income fees and other income that is not interestus-gaap:NoninterestIncome

Noninterest expense salaries, buildings and the other costs of running the bankus-gaap:NoninterestExpense

Interest expense what its borrowing costus-gaap:InterestExpense

Income tax expense tax charged on the period's profitus-gaap:IncomeTaxExpenseBenefit

Net income including non-controlling interests the whole group's profit, minority holders' share includedus-gaap:ProfitLoss

Net income the profit or loss that belongs to the company's shareholdersus-gaap:NetIncomeLoss

Preferred dividends paid to preferred holders before common shareholdersus-gaap:PreferredStockDividendsIncomeStatementImpact

Net income to common shareholders what is left for common shareholdersus-gaap:NetIncomeLossAvailableToCommonStockholdersBasic

Earnings per share, basic net income per share outstandingus-gaap:EarningsPerShareBasic

Earnings per share, diluted net income per share, counting every share that could be issuedus-gaap:EarningsPerShareDiluted

Weighted average shares, basic the average count of shares outstandingus-gaap:WeightedAverageNumberOfSharesOutstandingBasic

Weighted average shares, diluted the average count with every share that could be issuedus-gaap:WeightedAverageNumberOfDilutedSharesOutstanding

SI Assistanton ZION · research, not advice