Zions Bancorporation, National Association (ZION) Earnings History
Growth Compounder38 years of earnings data (1988–2025) · Consistent double-digit EPS growth over 5 years
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Zions Bancorporation, National Association (ZION) Earnings Overview
As of June 22, 2026, Zions Bancorporation, National Association (ZION) reported trailing twelve-month net income of $899M, reflecting +21.4% year-over-year growth. The company earned $6.11 per diluted share over the past four quarters, with a net profit margin of 18.2%.
Looking at the long-term picture, ZION's 5-year EPS compound annual growth rate (CAGR) stands at +14.7%, showing solid earnings momentum. The company achieved its highest annual net income of $1.13B in fiscal 2021.
Zions Bancorporation, National Association maintains industry-leading profitability with a gross margin of 67.1%, operating margin of 23.8%, and net margin of 18.2%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CFG ($1.83B net income, 16.4% margin), HBAN ($2.21B net income, 17.7% margin), RF ($2.16B net income, 22.4% margin), ZION has outperformed on profitability metrics. Compare ZION vs CFG →
ZION Earnings vs Peers
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ZION Historical Earnings Data (1988–2025)
38 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 2025 | $899M | +14.7% | $1.18B | $6.01 | 18.2% | 23.8% |
| 2024 | $784M | +15.3% | $1.01B | $4.95 | 15.7% | 20.3% |
| 2023 | $680M | -25.0% | $886M | $4.35 | 14.7% | 19.2% |
| 2022 | $907M | -19.7% | $1.15B | $5.79 | 27.2% | 34.5% |
| 2021 | $1.13B | +109.5% | $1.45B | $6.79 | 38.0% | 48.7% |
| 2020 | $539M | -33.9% | $672M | $3.03 | 18.3% | 22.8% |
| 2019 | $816M | -7.7% | $1.05B | $4.16 | 25.1% | 32.4% |
| 2018 | $884M | +49.3% | $1.14B | $4.08 | 29.1% | 37.7% |
| 2017 | $592M | +26.2% | $936M | $2.60 | 21.6% | 34.2% |
| 2016 | $469M | +51.8% | $705M | $1.99 | 19.0% | 28.5% |
| 2015 | $309M | -22.5% | $451M | $1.20 | 14.1% | 20.6% |
| 2014 | $398M | +51.1% | $621M | $1.71 | 17.0% | 26.5% |
| 2013 | $264M | -24.5% | $406M | $1.58 | 11.6% | 17.8% |
| 2012 | $350M | +7.9% | $542M | $0.97 | 14.2% | 22.0% |
| 2011 | $324M | +210.6% | $521M | $0.83 | 12.1% | 19.4% |
| 2010 | -$293M | +75.9% | -$403M | $-2.49 | -10.6% | -14.6% |
| 2009 | -$1.22B | -356.7% | -$1.62B | $-9.92 | -38.6% | -51.5% |
| 2008 | -$266M | -153.9% | -$315M | $-2.67 | -8.4% | -9.9% |
| 2007 | $494M | -15.3% | $737M | $4.42 | 13.6% | 20.4% |
| 2006 | $583M | +21.5% | $913M | $5.36 | 17.3% | 27.1% |
| 2005 | $480M | +18.3% | $742M | $5.16 | 20.5% | 31.6% |
| 2004 | $406M | +20.2% | $624M | $4.47 | 21.1% | 32.5% |
| 2003 | $338M | +31.8% | $553M | $3.72 | 17.9% | 29.3% |
| 2002 | $256M | -9.4% | $485M | $2.78 | 14.0% | 26.5% |
| 2001 | $283M | +75.0% | $448M | $3.07 | 14.1% | 22.3% |
| 2000 | $162M | -16.7% | $241M | $1.86 | 8.9% | 13.3% |
| 1999 | $194M | +35.4% | $304M | $2.26 | 11.9% | 18.7% |
| 1998 | $143M | +9.1% | $213M | $1.75 | 11.5% | 17.1% |
| 1997 | $131M | +9.1% | $199M | $1.84 | 15.2% | 23.0% |
| 1996 | $120M | +46.1% | $180M | $1.68 | 16.8% | 25.1% |
| 1995 | $82M | +29.2% | $124M | $1.37 | 15.6% | 23.5% |
| 1994 | $64M | +20.4% | $95M | $1.09 | 14.9% | 22.2% |
| 1993 | $53M | +22.1% | $76M | $1.05 | 15.3% | 22.0% |
| 1992 | $43M | +49.1% | $65M | $0.88 | 13.6% | 20.2% |
| 1991 | $29M | +9.4% | $42M | $0.60 | 8.4% | 12.2% |
| 1990 | $27M | +50.3% | $38M | $0.56 | 7.7% | 11.1% |
| 1989 | $18M | +198.9% | $19M | $0.38 | 5.5% | 5.9% |
| 1988 | -$18M | - | -$18M | $-0.38 | - | - |
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ZION — Frequently Asked Questions
Quick answers to the most common questions about buying ZION stock.
What is ZION earnings per share (EPS)?
ZION trailing twelve-month (TTM) diluted EPS is $6.11, reflecting +21.4% year-over-year growth. The 5-year EPS CAGR is +14.7%. Complete EPS history from 1988 to 2025 is available in the table on this page.
What is Zions Bancorporation, National Association's net income?
Zions Bancorporation, National Association (ZION) trailing twelve-month net income is $899M as of 2025. Earnings grew +21.4% year-over-year. Zions Bancorporation, National Association has been profitable for 15 consecutive years.
Is ZION profitable?
Yes, ZION is profitable with a TTM net income of $899M and a net profit margin of +18.2%. Zions Bancorporation, National Association has generated profits for 15 consecutive years.
What is ZION's earnings growth rate?
ZION compound annual EPS growth rates (CAGR): 1-Year: +21.4%, 3-Year: +1.3%, 5-Year: +14.7%, 10-Year: +17.5%. These figures measure the annualised rate of diluted EPS growth over each period, based on data from 1988 to 2025.
What are ZION's profit margins?
Zions Bancorporation, National Association net profit margin is +18.2%, operating margin is +23.8%, and gross margin is +67.1%. Above-average net margins reflect strong pricing power and competitive moat. Return on Equity is +13.5%.
Is ZION growing earnings?
Yes, ZION earnings are accelerating — EPS growth of +21.4% exceeds the 5-year CAGR of +14.7%. TTM net income reached $899M. Earnings momentum is strengthening.
What was ZION's best earnings year?
Zions Bancorporation, National Association's highest annual net income on record is $1.1B, achieved in fiscal year 2021. Earnings history on this page spans 1988 to 2025 and includes all annual and quarterly figures.
What were ZION's earnings last quarter?
ZION's most recent reported quarter was Q4 2025. Net income was $263M with diluted EPS of $1.77. For a full breakdown of all quarters, see the quarterly earnings table on this page.