Zions Bancorporation, National Association (ZION) Quarterly Income Statement

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Zions Bancorporation, National Association (ZION) quarterly income statement — complete revenue, gross profit & net income history

Quarterly statement

ZION Income Statement

Zions Bancorporation, National Association (ZION) annual income statement — 30-year revenue, gross profit & net income history

Annual Quarterly

Metric	Q3'26	Q2'26	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

Net Interest Income	684M	677M	662M	683M	672M	648M	624M	627M	620M	597M	586M	583M	585M	591M	679M	720M	663M	593M	544M	553M
NII Growth %	1.79%	4.48%	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%
Net Interest Margin %	0.75%	0.76%	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%
Interest Income	1.05B	1.02B	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
Interest Expense	362M	342M	334M	358M	392M	403M	404M	435M	484M	476M	468M	457M	425M	386M	241M	115M	44M	15M	11M	13M
Loan Loss Provision	-8M	3M	-7M	6M	49M	-1M	18M	41M	13M	5M	13M	0	41M	46M	45M	43M	71M	41M	-33M	25M
Non-Interest Income	197M	460M	187M	210M	189M	190M	171M	193M	172M	170M	156M	148M	180M	189M	160M	153M	165M	172M	142M	190M
Non-Interest Income %	22.36%	40.46%	22.03%	23.52%	21.95%	22.67%	21.51%	23.54%	21.72%	22.16%	21.02%	20.25%	23.53%	24.23%	19.07%	17.53%	19.93%	22.48%	20.7%	25.57%
Total Net Revenue	881M	1.14B	849M	893M	861M	838M	795M	820M	792M	767M	742M	731M	765M	780M	839M	873M	828M	765M	686M	743M
Revenue Growth %	2.32%	35.68%	6.79%	8.9%	8.71%	9.26%	7.14%	12.18%	3.53%	-1.67%	-11.56%	-16.27%	-7.61%	1.96%	22.3%	17.5%	19.31%	0.66%	-3.92%	3.63%
Non-Interest Expense	553M	551M	562M	548M	527M	527M	538M	509M	502M	500M	526M	581M	496M	508M	512M	471M	479M	464M	464M	449M
Efficiency Ratio	62.77%	48.46%	66.2%	61.37%	61.21%	62.89%	67.67%	62.07%	63.38%	65.19%	70.89%	79.48%	64.84%	65.13%	61.03%	53.95%	57.85%	60.65%	67.64%	60.43%
Operating Income	336M	583M	294M	339M	285M	312M	239M	270M	277M	262M	203M	150M	228M	226M	282M	359M	278M	260M	255M	269M
Operating Margin %	38.14%	51.28%	34.63%	37.96%	33.1%	37.23%	30.06%	32.93%	34.97%	34.16%	27.36%	20.52%	29.8%	28.97%	33.61%	41.12%	33.57%	33.99%	37.17%	36.2%
Operating Income Growth %	17.89%	86.86%	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%
Pretax Income	336M	583M	294M	339M	285M	312M	239M	270M	277M	262M	203M	150M	228M	226M	282M	359M	278M	260M	255M	269M
Pretax Margin %	38.14%	51.28%	34.63%	37.96%	33.1%	37.23%	30.06%	32.93%	34.97%	34.16%	27.36%	20.52%	29.8%	28.97%	33.61%	41.12%	33.57%	33.99%	37.17%	36.2%
Income Tax	73M	130M	61M	76M	63M	68M	69M	54M	63M	61M	50M	24M	53M	51M	78M	75M	61M	57M	52M	56M
Effective Tax Rate %	21.73%	22.3%	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%
Net Income	263M	453M	233M	263M	222M	244M	170M	216M	214M	201M	153M	126M	175M	175M	204M	284M	217M	203M	203M	213M
Net Margin %	29.85%	39.84%	27.44%	29.45%	25.78%	29.12%	21.38%	26.34%	27.02%	26.21%	20.62%	17.24%	22.88%	22.44%	24.31%	32.53%	26.21%	26.54%	29.59%	28.67%
Net Income Growth %	18.47%	85.66%	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%
Net Income (Continuing)	263M	453M	233M	263M	222M	244M	170M	216M	214M	201M	153M	126M	175M	175M	204M	284M	217M	203M	203M	213M
EPS (Diluted)	1.78	3.05	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
EPS Growth %	20.27%	87.12%	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%
EPS (Basic)	1.78	3.05	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
Diluted Shares Outstanding	145.09M	146.21M	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