ZION - NASDAQ
Zions Bancorporation, National Association
$60.76
-1.1%Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.
At a Glance
Live SnapshotZions Bancorporation, National Association Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Declining FCF warrants attention. Investigate whether due to temporary factors or fundamental deterioration.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Zions Bancorporation, National Association Cash Flow Statement
ZION • NASDAQ
| Zions Bancorporation, National Association Cash Flow Statement | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 | Dec 2018 | Dec 2017 | Dec 2016 | Dec 2015 | Dec 2014 | Dec 2013 | Dec 2012 | Dec 2011 | Dec 2010 | Dec 2009 | Dec 2008 | Dec 2007 | Dec 2006 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
OPERATING ACTIVITIES | ||||||||||||||||||||
899M | 784M | 680M | 907M | 1.1B | 539M | 816M | 884M | 592M | 469.1M | 309.5M | 398.5M | 263.5M | 348.2M | 322.7M | -296.3M | -1.2B | -271.3M | 493.7M | 583.1M | |
116M | 124M | 140M | 110M | -14M | 86M | 188M | 193M | 179M | 123.1M | 86M | 57.7M | 130.6M | 185.2M | 240.5M | 372.8M | 213M | 140.2M | 125M | 125M | |
47M | -7M | -9M | -43M | 32M | -58M | -2M | 0.0 | 154M | -8M | -30M | 25.9M | -60.1M | 9.8M | 115.6M | -28.7M | -15.1M | -231.2M | -158.7M | 9.4M | |
35M | 33M | 33M | 30M | 28M | 26M | 27M | 26M | 25M | 26M | 25M | 0.0 | 28.1M | 31.5M | 0.0 | 0.0 | 29.8M | 31.9M | 28.3M | 24.4M | |
29M | 37M | 189M | 76M | -388M | 385M | 21M | -66M | -26M | 61M | 131M | -96M | 178.8M | 113.3M | 157.9M | 1B | 2.6B | 1.3B | 157.5M | 40M | |
(0.0) | (192M) | (255M) | (21M) | (442M) | (169M) | (233M) | (207M) | (246M) | (214M) | (132M) | (183M) | (181.3M) | (183.3M) | (3.7M) | (324.8M) | (131.2M) | (303.2M) | (355.7M) | (273.2M) | |
-24M | 177M | -148M | 390M | -158M | -259M | -353M | 139M | 4M | -75M | -57M | -5.8M | 322.4M | 79.7M | 232.1M | 414.4M | -551.8M | 188.6M | 87.1M | 257.4M | |
1.1B | 1.1B | 885M | 1.5B | 629M | 719M | 697M | 1.2B | 928M | 596.1M | 464M | 380.3M | 835.1M | 736.2M | 1.1B | 1.5B | 1.1B | 1.2B | 732.9M | 1B | |
INVESTING ACTIVITIES | ||||||||||||||||||||
-121M | -97M | -113M | -190M | -206M | -171M | -117M | -129M | -169M | -196M | -157M | -175.8M | -88.6M | -68.9M | -77.7M | -79.1M | -97.1M | -102M | -103.2M | -122.4M | |
(191M) | (0.0) | (0.0) | (318M) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (0.0) | (3.8M) | -19.9M | (0.0) | (21.1M) | (452.2M) | (688.9M) | (45.4M) | -13.1M | |
-1.4B | -2.9B | -707M | -6.5B | -19.5B | -12.2B | -2.1B | -4.1B | -5B | -5B | -5.6B | -2.1B | -1.5B | -2.7B | -3.9B | -5.8B | -1.9B | -4.3B | -5.5B | -2.9B | |
3.3B | 3.1B | 5.3B | 12.4B | 5.3B | 4.8B | 4.5B | 3.4B | 3.4B | 3.9B | 3.6B | 1.9B | 1.5B | 1.3B | 2.3B | 1.3B | 3.4B | 4B | 4.3B | 3.4B | |
-1.3B | -1.7B | -2.1B | -4.6B | 2.8B | -4.6B | -2B | -1.9B | -2.1B | -2.1B | -520M | -916.2M | -1.3B | -481M | -786.2M | 2.6B | 1.8B | -3.3B | -3.8B | -4.6B | |
(709M) | -1.6B | (2.4B) | (1.4B) | -11.6B | -12.2B | (375M) | -2.7B | -3.9B | -3.4B | -2.6B | -1.3B | -1.4B | -1.9B | -2.5B | -1.9B | (3.6B) | -3.1B | -5.1B | -4.2B | |
FINANCING ACTIVITIES | ||||||||||||||||||||
-35M | -400M | -48M | -193M | -905M | -68M | -1.1B | -652M | -296M | -72M | 15M | 520.8M | 794.1M | 143.2M | 25.7M | 977.1M | 462.7M | 351.4M | -262.6M | 53M | |
-230M | -139M | -6.2B | 9.2B | -955M | -910M | -2.6B | 1B | 4B | 200M | -185M | -1.3B | -198M | 14.5M | -111.1M | 57.3M | -2.9B | -3.6B | 3.8B | 949.4M | |
-267M | -289M | -282M | -269M | -261M | -259M | -260M | -236M | -129M | -108M | -108M | -96.1M | -119.7M | -133.6M | -156.1M | -109.3M | -96.3M | -195.7M | -195.7M | -160.8M | |
-41M | -410M | -51M | -202M | -926M | -76M | -1.1B | -672M | -465M | -223M | -183M | -5.6M | (0.0) | (0.0) | (0.0) | (0.0) | -47.2M | -2.9M | -322M | -26.5M | |
-1.2B | 1.3B | 3.3B | -11.6B | 13.1B | 12.6B | 3B | 1.5B | -625M | 2.9B | 2.5B | 1.4B | 172.6M | 3.3B | 1.9B | -906.5M | -2.6B | 3.3B | 942.8M | 2.3B | |
-1.8B | 427M | -3.2B | -2.8B | 11B | 11.3B | -981M | 1.6B | 2.8B | 2.8B | 2.1B | 557.3M | -150.3M | 1.8B | 1.7B | 18.6M | -4.8B | 1.5B | 4.2B | 3.4B | |
CASH FLOW SUMMARY | ||||||||||||||||||||
-32M | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | 0.0 | |
0.0 | -65M | 59M | 62M | 52M | -162M | 91M | 66M | -189M | -61M | -44M | -331.1M | -668.2M | 617.6M | 300.2M | -446.1M | -105.8M | -379.2M | -83.7M | 232.2M | |
0.0 | 716M | 657M | 595M | 543M | 705M | 614M | 548M | 737M | 798.3M | 841.9M | 1.2B | 1.8B | 1.2B | 924.1M | 1.4B | 1.5B | 1.9B | 1.9B | 1.7B | |
0.0 | 651M | 716M | 657M | 595M | 543M | 705M | 614M | 548M | 737.3M | 798.3M | 845.9M | 1.2B | 1.8B | 1.2B | 924.1M | 1.4B | 1.5B | 1.9B | 1.9B | |
981M | 1.1B | 772M | 1.3B | 423M | 548M | 580M | 1B | 759M | 400.4M | 307M | 204.5M | 746.5M | 667.3M | 991.1M | 1.4B | 954.6M | 1.1B | 629.7M | 924.6M |
SEC Filings
ZION - Filing history and reports
| Filing Type | Filing Date | Period Ending | Fiscal Year | Actions |
|---|---|---|---|---|
8-K 8-K 2026 N/A | June 02, 2026 | June 02, 2026 | 2026 | |
10-Q 10-Q 2026 Q1 Q1 | May 07, 2026 | March 31, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 04, 2026 | May 04, 2026 | 2026 | |
8-K 8-K 2026 N/A | May 04, 2026 | May 01, 2026 | 2026 | |
8-K 8-K 2026 N/A | April 20, 2026 | April 20, 2026 | 2026 | |
DEF 14A DEF 14A 2026 N/A | March 19, 2026 | March 19, 2026 | 2026 | |
10-K 10-K 2025 FY FY | February 24, 2026 | December 31, 2025 | 2025 | |
8-K 8-K 2026 N/A | January 20, 2026 | January 20, 2026 | 2026 | |
8-K 8-K 2025 N/A | December 22, 2025 | December 22, 2025 | 2025 | |
10-Q 10-Q 2025 Q3 Q3 | November 06, 2025 | September 30, 2025 | 2025 |
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