Zions Bancorporation, National Association (ZION) quarterly income statement — complete revenue, gross profit & net income history
| Metric | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 | Q2'24 | Q1'24 | Q4'23 | Q3'23 | Q2'23 | Q1'23 | Q4'22 | Q3'22 | Q2'22 | Q1'22 | Q4'21 | Q3'21 | Q2'21 |
|---|
| Net Interest Income | 662M | 683M | 672M | 648M | 624M | 627M | 620M | 597M | 586M | 583M | 585M | 591M | 679M | 720M | 663M | 593M | 544M | 553M | 555M | 555M |
| NII Growth % | 6.09% | 8.93% | 8.39% | 8.54% | 6.48% | 7.55% | 5.98% | 1.02% | -13.7% | -19.03% | -11.76% | -0.34% | 24.82% | 30.2% | 19.46% | 6.85% | -0.18% | 0.36% | 0% | -1.42% |
| Net Interest Margin % | 0.75% | 0.77% | 0.76% | 0.73% | 0.71% | 0.71% | 0.71% | 0.68% | 0.67% | 0.67% | 0.67% | 0.68% | 0.77% | 0.8% | 0.75% | 0.68% | 0.6% | 0.59% | 0.63% | 0.64% |
| Interest Income | 996M | 1.04B | 1.06B | 1.05B | 1.03B | 1.06B | 1.1B | 1.07B | 1.05B | 1.04B | 1.01B | 977M | 920M | 835M | 707M | 608M | 555M | 566M | 569M | 570M |
| Interest Expense | 334M | 358M | 392M | 403M | 404M | 435M | 484M | 476M | 468M | 457M | 425M | 386M | 241M | 115M | 44M | 15M | 11M | 13M | 14M | 15M |
| Loan Loss Provision | -7M | 6M | 49M | -1M | 18M | 41M | 13M | 5M | 13M | 0 | 41M | 46M | 45M | 43M | 71M | 41M | -33M | 25M | -46M | -123M |
| Non-Interest Income | 187M | 210M | 189M | 190M | 171M | 193M | 172M | 170M | 156M | 148M | 180M | 189M | 160M | 153M | 165M | 172M | 142M | 190M | 139M | 205M |
| Non-Interest Income % | 15.81% | 16.79% | 15.08% | 15.31% | 14.26% | 15.38% | 13.48% | 13.68% | 12.89% | 12.46% | 15.13% | 16.21% | 14.81% | 15.49% | 18.92% | 22.05% | 20.37% | 25.13% | 19.63% | 26.45% |
| Total Revenue | 1.18B | 1.25B | 1.25B | 1.24B | 1.2B | 1.25B | 1.28B | 1.24B | 1.21B | 1.19B | 1.19B | 1.17B | 1.08B | 988M | 872M | 780M | 697M | 756M | 708M | 775M |
| Revenue Growth % | -1.33% | -0.32% | -1.8% | -0.16% | -0.91% | 5.64% | 7.23% | 6.6% | 12.04% | 20.24% | 36.47% | 49.49% | 54.95% | 30.69% | 23.16% | 0.65% | -4.65% | 2.58% | -4.06% | 8.85% |
| Non-Interest Expense | 562M | 548M | 527M | 527M | 538M | 509M | 502M | 500M | 526M | 581M | 496M | 508M | 512M | 471M | 479M | 464M | 464M | 449M | 429M | 428M |
| Efficiency Ratio | 47.51% | 43.8% | 42.06% | 42.47% | 44.87% | 40.56% | 39.34% | 40.23% | 43.47% | 48.91% | 41.68% | 43.57% | 47.41% | 47.67% | 54.93% | 59.49% | 66.57% | 59.39% | 60.59% | 55.23% |
| Operating Income | 294M | 339M | 285M | 312M | 239M | 270M | 277M | 262M | 203M | 150M | 228M | 226M | 282M | 359M | 278M | 260M | 255M | 269M | 311M | 455M |
| Operating Margin % | 24.85% | 27.1% | 22.75% | 25.14% | 19.93% | 21.51% | 21.71% | 21.08% | 16.78% | 12.63% | 19.16% | 19.38% | 26.11% | 36.34% | 31.88% | 33.33% | 36.59% | 35.58% | 43.93% | 58.71% |
| Operating Income Growth % | 23.01% | 25.56% | 2.89% | 19.08% | 17.73% | 80% | 21.49% | 15.93% | -28.01% | -58.22% | -17.99% | -13.08% | 10.59% | 33.46% | -10.61% | -42.86% | -37.96% | -25.07% | 44.65% | 454.88% |
| Pretax Income | 294M | 339M | 285M | 312M | 239M | 270M | 277M | 262M | 203M | 150M | 228M | 226M | 282M | 359M | 278M | 260M | 255M | 269M | 311M | 455M |
| Pretax Margin % | 24.85% | 27.1% | 22.75% | 25.14% | 19.93% | 21.51% | 21.71% | 21.08% | 16.78% | 12.63% | 19.16% | 19.38% | 26.11% | 36.34% | 31.88% | 33.33% | 36.59% | 35.58% | 43.93% | 58.71% |
| Income Tax | 61M | 76M | 63M | 68M | 69M | 54M | 63M | 61M | 50M | 24M | 53M | 51M | 78M | 75M | 61M | 57M | 52M | 56M | 71M | 101M |
| Effective Tax Rate % | 20.75% | 22.42% | 22.11% | 21.79% | 28.87% | 20% | 22.74% | 23.28% | 24.63% | 16% | 23.25% | 22.57% | 27.66% | 20.89% | 21.94% | 21.92% | 20.39% | 20.82% | 22.83% | 22.2% |
| Net Income | 233M | 263M | 222M | 244M | 170M | 216M | 214M | 201M | 153M | 126M | 175M | 175M | 204M | 284M | 217M | 203M | 203M | 213M | 240M | 354M |
| Net Margin % | 19.7% | 21.02% | 17.72% | 19.66% | 14.18% | 17.21% | 16.77% | 16.17% | 12.64% | 10.61% | 14.71% | 15.01% | 18.89% | 28.74% | 24.89% | 26.03% | 29.12% | 28.17% | 33.9% | 45.68% |
| Net Income Growth % | 37.06% | 21.76% | 3.74% | 21.39% | 11.11% | 71.43% | 22.29% | 14.86% | -25% | -55.63% | -19.35% | -13.79% | 0.49% | 33.33% | -9.58% | -42.66% | -36.96% | -25% | 37.14% | 436.36% |
| Net Income (Continuing) | 233M | 263M | 222M | 244M | 170M | 216M | 214M | 201M | 153M | 126M | 175M | 175M | 204M | 284M | 217M | 203M | 203M | 213M | 240M | 354M |
| EPS (Diluted) | 1.56 | 1.77 | 1.48 | 1.63 | 1.13 | 1.34 | 1.37 | 1.28 | 0.96 | 0.78 | 1.13 | 1.12 | 1.33 | 1.84 | 1.40 | 1.29 | 1.27 | 1.34 | 1.45 | 2.08 |
| EPS Growth % | 38.05% | 32.09% | 8.03% | 27.34% | 17.71% | 71.79% | 21.24% | 14.29% | -27.82% | -57.61% | -19.29% | -13.18% | 4.72% | 37.31% | -3.45% | -37.98% | -33.16% | -19.28% | 43.56% | 511.76% |
| EPS (Basic) | 1.56 | 1.78 | 1.48 | 1.63 | 1.13 | 1.34 | 1.37 | 1.28 | 0.96 | 0.78 | 1.13 | 1.12 | 1.33 | 1.84 | 1.40 | 1.29 | 1.27 | 1.34 | 1.45 | 2.08 |
| Diluted Shares Outstanding | 147.04M | 147.12M | 147.13M | 147.05M | 147.39M | 147.33M | 147.15M | 147.12M | 147.34M | 147.65M | 147.65M | 147.7M | 148.04M | 148.83M | 149.79M | 150.84M | 151.69M | 153.63M | 160.48M | 163.05M |