Zions Bancorporation, National Association (ZION) Earnings History
Annual and quarterly earnings data from 1988 to 2024
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ZION EPS Growth (CAGR)
Compound annual growth rate of diluted earnings per share
CAGR (Compound Annual Growth Rate) shows the annualized growth rate of EPS over the specified period. A higher CAGR indicates stronger earnings momentum.
ZION Profitability Analysis
Margin trends over time
| Year | Gross Margin | Operating Margin | Net Margin |
|---|---|---|---|
| 2024 | 61.2% | 20.3% | 15.7% |
| 2023 | 64.5% | 19.2% | 14.7% |
| 2022 | 90.8% | 34.5% | 27.2% |
| 2021 | 107.3% | 48.7% | 38.0% |
| 2020 | 80.8% | 22.8% | 18.3% |
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Zions Bancorporation, National Association (ZION) Earnings Overview
As of May 8, 2026, Zions Bancorporation, National Association (ZION) reported trailing twelve-month net income of $852M, reflecting +13.8% year-over-year growth. The company earned $5.79 per diluted share over the past four quarters, with a net profit margin of 15.7%.
Looking at the long-term picture, ZION's 5-year EPS compound annual growth rate (CAGR) stands at +3.5%, reflecting modest earnings expansion. 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 61.2%, operating margin of 20.3%, and net margin of 15.7%. This margin structure demonstrates strong pricing power and operational efficiency. View revenue history →
Compared to peers including CFG ($1.70B net income, 12.2% 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
Earnings metrics vs comparable public companies
ZION Historical Earnings Data (1988–2024)
37 years| Fiscal Year | Net Income | YoY % | Operating Income | EPS (Diluted) | Net Margin | Op. Margin |
|---|---|---|---|---|---|---|
| 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% |
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Start ComparisonZION — Frequently Asked Questions
Quick answers to the most common questions about buying ZION stock.
Is ZION growing earnings?
ZION EPS stands at $5.79, with +13.8% growth matching the 5-year CAGR of +3.5%. TTM net income is $852M. Earnings trajectory remains consistent.
What are ZION's profit margins?
Zions Bancorporation, National Association net margin is +15.7%, with operating margin at +20.3%. Above-average margins indicate pricing power.
How consistent are ZION's earnings?
ZION earnings data spans 1988-2024. The current earnings trend is +13.8% YoY. Historical data enables comparison across business cycles.