Zions Bancorporation N.A. Financial Ratios — ZION Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	3.33	3.75	3.24	5.52	3.79	6.19	7.86	12.04	11.33	7.16	15.34	15.3	13.36	13.14	13.59
Return on Assets (%)	0.62	0.64	0.47	0.7	0.53	0.76	0.91	1.31	1.18	0.72	1.29	0.99	0.77	0.89	1.01
Return on Capital (%)	3.66	4.03	3.08	4.63	3.68	5.52	5.82	7.23	7.13	5.59	12.76	8.59	6.67	9.03	8.88
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	23.12	25.17	19.98	28.6	21.77	29.58	35.88	41.09	37.16	24.09	49.67	36.55	28.44	32.33	34.71
Profit Margin (%)	14.36	16.24	12.97	18.34	14.91	19.68	22.69	31.78	28.79	19.32	38.78	28.78	21.83	25.05	26.56
Net Income to Common Margin (%)	6.8	8.3	8.27	15.03	11.92	17.67	21.16	30.55	27.59	18.1	37.79	27.86	20.8	23.74	26.44
Effective Tax Rate (%)	38.1	35.71	35.18	35.88	31.49	33.48	36.75	22.66	22.51	19.79	21.92	21.27	23.25	22.53	23.49
Dvd Payout Ratio (%)	-9.45	-21.21	14.41	7.42	18.62	14.25	16.12	23.76	28.9	44.55	21.09	27.33	38.58	33.38	29.39
Sustainable Growth Rate (%)	3.65	4.54	2.77	5.11	3.08	5.31	6.6	9.18	8.06	3.97	12.1	11.12	8.2	8.75	9.6

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	2,025	2,343	2,274	1,093	812	1,035	3,983	5,224	2,723	1,336	1,012	7,751	2,067	3,475	3,472
ST Debt	70	5	- -	1	- -	500	3,600	4,500	1,000	- -	- -	7,100	1,525	2,525	2,000
LT Debt	1,954	2,337	2,274	1,092	812	535	383	724	1,723	1,336	1,012	651	542	950	1,472
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.67	8.87	9.75	11.13	11.19	10.95	10.73	10.2	9.81	8.98	7.54	4.97	6.02	6.82	7.99
Long-Term Debt/Equity (%)	27.99	38.64	35.17	14.82	10.82	7.01	4.99	9.55	23.43	16.94	13.56	13.3	9.52	15.51	20.5
Long-Term Debt/Capital (%)	21.7	27.85	26.02	12.91	9.76	6.17	3.28	5.66	17.1	14.49	11.94	5.15	6.99	9.9	13.82
Long-Term Debt/Total Assets (%)	3.68	4.21	4.06	1.91	1.36	0.85	0.58	1.05	2.49	1.64	1.09	0.73	0.62	1.07	1.65
Total Debt/Equity (%)	28.99	38.73	35.17	14.84	10.82	13.56	51.87	68.94	37.03	16.94	13.56	158.41	36.32	56.74	48.36
Total Debt/Capital (%)	22.48	27.92	26.02	12.92	9.76	11.94	34.15	40.81	27.02	14.49	11.94	61.3	26.64	36.2	32.59
Total Debt/Total Assets (%)	3.81	4.22	4.06	1.91	1.36	1.64	6.01	7.6	3.94	1.64	1.09	8.66	2.37	3.91	3.9
Net Debt to Equity	-89.09	-90.58	-109.48	-94	-81.19	-14.59	34.54	52.67	17.29	-3.61	-132.25	117.51	-2.48	-0.49	8.12
Net Debt/Capital (%)	-815.67	-960.77	1,156.42	-1,563.89	-431.22	-17.08	25.67	34.5	14.73	-3.75	410.74	54.01	-2.54	-0.49	7.51
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.67	8.87	9.75	11.13	11.19	10.95	10.73	10.2	9.81	8.98	7.54	4.97	6.02	6.82	7.99
Long-Term Debt/Equity (%)	27.99	38.64	35.17	14.82	10.82	7.01	4.99	9.55	23.43	16.94	13.56	13.3	9.52	15.51	20.5
Long-Term Debt/Capital (%)	21.7	27.85	26.02	12.91	9.76	6.17	3.28	5.66	17.1	14.49	11.94	5.15	6.99	9.9	13.82
Long-Term Debt/Total Assets (%)	3.68	4.21	4.06	1.91	1.36	0.85	0.58	1.05	2.49	1.64	1.09	0.73	0.62	1.07	1.65
Total Debt/Equity (%)	28.99	38.73	35.17	14.84	10.82	13.56	51.87	68.94	37.03	16.94	13.56	158.41	36.32	56.74	48.36
Total Debt/Capital (%)	22.48	27.92	26.02	12.92	9.76	11.94	34.15	40.81	27.02	14.49	11.94	61.3	26.64	36.2	32.59
Total Debt/Total Assets (%)	3.81	4.22	4.06	1.91	1.36	1.64	6.01	7.6	3.94	1.64	1.09	8.66	2.37	3.91	3.9
CFO/Total Liabilities	2.32	1.49	1.68	0.76	0.89	1.07	1.58	1.92	1.13	0.98	0.73	1.74	1.09	1.39	1.31
CFO/CapEx	13.76	10.69	9.43	2.16	2.96	3.04	5.49	9.12	5.96	4.2	3.05	7.74	7.83	11.84	8.87
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	- -	- -	2,290	2,630	2,002	2,245	1,867	2,509	1,915	1,703	2,102	2,264
- Cash & Cash Equivalents	8,245	7,821	9,350	8,020	6,906	2,148	1,330	1,233	1,448	1,617	10,878	1,997	2,204	3,501	2,885
+ Preferred Equity and Hybrid Capital	2,378	1,128	1,004	1,004	828	710	566	566	566	566	440	440	440	66	66
+ Minority/Non Controlling Interest	-2	-3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	2,025	2,343	2,274	1,093	812	1,035	3,983	5,224	2,723	1,336	1,012	7,751	2,067	3,475	3,472
Enterprise Value	- -	- -	- -	- -	- -	-11,485	-9,312	-8,178	-9,639	-13,579	-30,965	-3,806	-8,294	-6,953	-6,314
Total Capital	9,008	8,391	8,738	8,463	8,320	8,669	11,662	12,802	10,076	9,222	8,475	12,644	7,758	9,599	10,652
Total Debt/Capital (%)	22.48	27.92	26.02	12.92	9.76	11.94	34.15	40.81	27.02	14.49	11.94	61.3	26.64	36.2	32.59
Total Debt / EV	- -	- -	- -	- -	- -	-0.09	-0.43	-0.64	-0.28	-0.1	-0.03	-2.04	-0.25	-0.5	-0.55
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	8,792	10,657	8,413	9,683	7,194	10,120	7,387	6,482	7,986	8,615
Diluted Enterprise Value	- -	- -	- -	- -	- -	-4,983	-1,285	-1,767	-2,201	-8,252	-23,354	1,666	-3,515	-1,069	37
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	2,254	2,152	2,034	2,173	2,072	2,383	2,609	2,782	2,834	2,790	2,911	3,152	3,115	3,130	3,385
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1,069	736	835	380	464	596	928	1,176	697	719	629	1,470	885	1,148	1,073
TTM Free Cash Flow to Firm	991	667	747	205	307	400	759	1,047	580	548	423	1,280	772	1,051	952

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	- -	- -	21.98	14.04	8.04	16.7	13.13	23.93	5.77	8.4	7.6	9.05
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	-11,485	-9,312	-8,178	-9,639	-13,579	-30,965	-3,806	-8,294	-6,953	-6,314
Low Price	- -	- -	- -	- -	- -	19.65	38.43	38.08	39.11	23.58	42.12	45.21	18.26	37.76	39.32
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	20.84	18.49	9.28	11.68	14.08	9.18	8.4	10	10.75	9.62
Price/Earnings Average	- -	- -	- -	- -	- -	13.91	16.1	11.87	10.45	11.5	8.23	9.82	8.23	9.21	8.67
Price/Earnings High	- -	- -	- -	- -	- -	21.38	18.99	13.48	11.72	17.02	9.92	12.89	12.58	12.53	9.99
Price/Earnings Low	- -	- -	- -	- -	- -	9.51	13.98	8.67	8.8	7.65	6.12	7.73	4.16	7.48	6.46
Price/Book Value	- -	- -	- -	- -	- -	0.33	0.37	0.29	0.33	0.26	0.36	0.43	0.32	0.35	0.32
Price/Book Value Average	- -	- -	- -	- -	- -	0.22	0.32	0.37	0.3	0.21	0.32	0.5	0.27	0.3	0.29
Price/Book Value High	- -	- -	- -	- -	- -	0.34	0.38	0.41	0.33	0.31	0.39	0.66	0.41	0.4	0.33
Price/Book Value Low	- -	- -	- -	- -	- -	0.15	0.28	0.27	0.25	0.14	0.24	0.4	0.13	0.24	0.21
Price/Tangible Book Value	- -	- -	- -	- -	- -	0.39	0.43	0.33	0.39	0.3	0.42	0.57	0.41	0.42	0.38
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	0.26	0.38	0.43	0.35	0.24	0.37	0.66	0.33	0.36	0.34
Price/Tangible Book Value High	- -	- -	- -	- -	- -	0.4	0.44	0.48	0.39	0.36	0.45	0.87	0.51	0.49	0.39
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	0.18	0.33	0.31	0.29	0.16	0.28	0.52	0.17	0.29	0.25
Price/Sales	- -	- -	- -	- -	- -	3.68	3.91	2.83	3.22	2.55	3.47	2.34	2.08	2.55	2.54
Price/Sales Average	- -	- -	- -	- -	- -	2.46	3.41	3.63	2.88	2.08	3.11	2.73	1.71	2.19	2.29
Price/Sales High	- -	- -	- -	- -	- -	3.78	4.02	4.12	3.23	3.08	3.75	3.59	2.62	2.97	2.64
Price/Sales Low	- -	- -	- -	- -	- -	1.68	2.96	2.65	2.43	1.38	2.31	2.15	0.87	1.78	1.71
Price/Cash Flow	- -	- -	- -	- -	- -	14.72	11	6.71	13.11	9.89	16.06	5.02	7.32	6.96	8.03
Price/Cash Flow Average	- -	- -	- -	- -	- -	9.83	9.57	8.58	11.72	8.08	14.4	5.86	6.03	5.96	7.23
Price/Cash Flow High	- -	- -	- -	- -	- -	15.1	11.29	9.74	13.15	11.95	17.35	7.7	9.21	8.11	8.33
Price/Cash Flow Low	- -	- -	- -	- -	- -	6.72	8.31	6.27	9.87	5.37	10.71	4.62	3.05	4.84	5.39
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	14.67	12.22	10.28	14.93	10.72	21.45	6.74	6.91	6.51	8.15
Price/Free Cash Flow High	- -	- -	- -	- -	- -	22.55	14.42	11.67	16.75	15.86	25.85	8.86	10.56	8.86	9.39
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	10.03	10.62	7.51	12.58	7.13	15.96	5.31	3.49	5.29	6.08
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	43.04	50.83	40.74	51.92	43.44	63.16	49.16	43.87	54.25	58.54
High Price	- -	- -	- -	- -	- -	44.15	52.2	59.19	52.08	52.48	68.25	75.44	55.2	63.22	60.77
Enterprise Value Average	- -	- -	- -	- -	- -	-12,246	-9,652	-7,620	-9,877	-13,921	-31,224	-3,484	-8,595	-7,255	-6,538
Enterprise Value High	- -	- -	- -	- -	- -	-11,426	-9,241	-7,272	-9,632	-13,190	-30,763	-2,783	-7,855	-6,606	-6,227
Enterprise Value Low	- -	- -	- -	- -	- -	-12,730	-9,953	-8,309	-10,193	-14,432	-31,801	-3,960	-9,288	-7,592	-7,057

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	48	48	48	53	54	53	52	49	43	43	40	39	39	39	39
Diluted Weighted Avg Shares	183	183	184	193	204	204	210	207	187	166	160	150	148	147	147
Basic Weighted Avg Shares	182	183	184	192	203	204	201	194	176	164	160	150	148	147	147
Revenue per Share	12.36	11.75	11.06	11.3	10.19	11.69	12.99	14.37	16.1	17.04	18.2	21	21.08	21.26	23.01
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.84	0.98	0.92	1.7	1.22	2.07	2.75	4.39	4.44	3.08	6.88	5.85	4.39	5.05	6.08
Basic EPS from Cont Ops	1.77	1.9	1.43	2.07	1.52	2.3	2.95	4.57	4.64	3.29	7.06	6.04	4.6	5.33	6.11
Diluted EPS, GAAP	0.84	0.97	0.91	1.69	1.21	2.06	2.63	4.12	4.19	3.05	6.86	5.84	4.39	5.05	6.08
Diluted EPS from Cont Ops	1.77	1.9	1.43	2.07	1.52	2.3	2.82	4.28	4.38	3.25	7.05	6.04	4.6	5.33	6.11
Dividend per Share	0.86	0.73	0.65	0.5	0.53	0.53	0.64	1.22	1.48	1.58	1.63	1.79	1.91	1.96	1.81
Cash Flow per Share	5.86	4.02	4.54	1.98	2.28	2.92	4.62	6.07	3.96	4.39	3.93	9.8	5.99	7.8	7.29
Free Cash Flow per Basic Share	5.43	3.64	4.06	1.06	1.51	1.96	3.78	5.41	3.3	3.35	2.65	8.53	5.23	7.14	6.47
Cash & Equivalents per Share	237.89	226.13	269.77	223.07	271.68	291.7	318.66	325.01	350.88	403.54	879.23	357.2	322.15	325.14	313.21
Book Value per Share	95.52	102.03	112.86	119.68	124.72	130.14	137.45	142.71	156.95	170.28	176.8	114.33	135.29	156.38	183.91
Tangible Book Value per Share	73.07	79.96	91.15	100.14	105.48	110.93	117.82	122.05	133.5	146.64	151.25	86.99	108	129.22	155.7