Financial Snapshot

Revenue
$1.506B
TTM
Gross Margin
Net Earnings
$694.0M
TTM
Current Assets
Current Liabilities
$3.106B
Q3 2024
Current Ratio
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
$6.385B
Q3 2024
Cash
Q3 2024
P/E
12.59
Nov 29, 2024 EST
Free Cash Flow
$288.0M
TTM

Revenues

Revenues

Revenue YoY Change

Revenues

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983
Revenue $620.0M $614.0M $575.0M $549.0M $525.0M $508.0M $2.192B $1.954B $1.833B $1.853B $1.941B $2.039B $2.189B $2.307B
YoY Change 0.98% 6.78% 4.74% 4.57% 3.35% -76.82% 12.18% 6.6% -1.08% -4.56% -4.77% -6.85% -5.12%

Expenses

Cost Of Revenues

No data

Gross Profit

No data

Gross Profit Margin

No data

Gross Profit

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983
Revenue $620.0M $614.0M $575.0M $549.0M $525.0M $508.0M $2.192B $1.954B $1.833B $1.853B $1.941B $2.039B $2.189B $2.307B
Cost Of Revenue
Gross Profit
Gross Profit Margin

Selling, General & Admin Expense

No data

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

No data

R&D To Gross Profit Ratio

No data

DDA To Gross Profit Ratio

No data

Operating Expenses Total

Operating Profits/Loss

No data

Operational Expenses

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983
Selling, General & Admin
YoY Change
% of Gross Profit
Research & Development $240.0M $209.0M $199.0M $192.0M
YoY Change 14.83% 5.03% 3.65%
% of Gross Profit
Depreciation & Amortization $140.0M $110.0M $86.00M $188.0M $193.0M $179.0M $123.1M $85.90M $57.70M $130.6M $185.2M $240.5M $372.8M $213.0M $140.2M $124.9M $125.0M $100.7M $94.80M $94.50M $97.00M $119.6M $115.0M $90.60M $80.40M $34.30M $26.90M $18.60M $17.70M $13.50M $18.60M $11.90M $11.60M $11.10M $12.40M
YoY Change 27.27% -54.26% -2.59% 7.82% 45.41% 43.31% 48.87% -55.82% -29.48% -22.99% -35.49% 75.02% 51.93% 12.25% -0.08% 24.13% 6.22% 0.32% -2.58% -18.9% 4.0% 26.93% 12.69% 134.4% 27.51% 44.62% 5.08% 31.11% -27.42% 56.3% 2.59% 4.5% -10.48%
% of Gross Profit
Operating Expenses $240.0M $209.0M $199.0M $192.0M
YoY Change 14.83% 5.03% 3.65%
Operating Profit
YoY Change

Interest Expenses

Interest Expenses To Operating Income %

No data

Other Expense/Income

No data

Interest & Other Expense/Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983
Interest Expense $1.509B $185.0M $59.00M $152.0M $411.0M $251.0M $127.0M $87.00M $118.0M $173.0M $245.1M $306.8M $432.4M $592.5M
YoY Change 715.68% 213.56% -61.18% -63.02% 63.75% 97.64% 45.98% -26.27% -31.79% -29.41% -20.11% -29.05% -27.02%
% of Operating Profit
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983
Pretax Income $886.0M $1.152B $1.446B $672.0M $1.053B $1.143B $936.0M $705.0M $451.0M $621.4M $406.4M $541.6M $521.3M -$403.2M -$1.623B -$314.7M $737.5M $912.9M $741.9M $624.4M $544.4M $481.1M $452.7M $242.9M $308.5M $213.4M $199.1M $180.1M $124.2M $94.70M $83.80M $70.10M $42.10M $38.20M $19.00M -$17.80M -$33.90M $6.000M $34.50M $27.60M $30.80M
YoY Change -23.09% -20.33% 115.18% -36.18% -7.87% 22.12% 32.77% 56.32% -27.42% 52.9% -24.95% 3.89% -229.29% -75.16% 415.73% -142.67% -19.21% 23.05% 18.82% 14.7% 13.16% 6.27% 86.37% -21.26% 44.56% 7.18% 10.55% 45.01% 31.15% 13.01% 19.54% 66.51% 10.21% 101.05% -206.74% -47.49% -665.0% -82.61% 25.0% -10.39%
Income Tax $206.0M $245.0M $317.0M $133.0M $237.0M $259.0M $344.0M $236.0M $142.0M $223.0M $143.0M $193.4M $198.6M -$106.8M -$401.3M -$43.40M $235.7M $318.0M $263.4M $220.1M $213.8M $167.7M $161.9M $79.70M $109.5M $69.60M $67.70M $59.70M $41.80M $30.90M $27.20M $22.90M $13.00M $11.60M $5.100M $100.0K -$19.80M -$14.30M $6.300M $2.600M $6.300M
% Of Pretax Income 23.25% 21.27% 21.92% 19.79% 22.51% 22.66% 36.75% 33.48% 31.49% 35.88% 35.18% 35.71% 38.1% 31.96% 34.83% 35.5% 35.25% 39.27% 34.86% 35.76% 32.81% 35.49% 32.61% 34.0% 33.15% 33.66% 32.63% 32.46% 32.67% 30.88% 30.37% 26.84% -238.33% 18.26% 9.42% 20.45%
Net Earnings $680.0M $907.0M $1.129B $539.0M $816.0M $884.0M $592.0M $469.0M $309.0M $398.5M $263.8M $349.5M $323.8M -$292.7M -$1.216B -$266.3M $493.7M $583.1M $480.1M $406.0M $337.8M $256.3M $283.0M $161.7M $194.1M $143.4M $131.4M $120.4M $82.40M $63.80M $58.20M $47.20M $29.10M $26.60M $17.70M -$17.90M -$14.10M $20.30M $28.20M $25.00M $24.50M
YoY Change -25.03% -19.66% 109.46% -33.95% -7.69% 49.32% 26.23% 51.78% -22.45% 51.05% -24.53% 7.94% -210.62% -75.93% 356.67% -153.94% -15.33% 21.45% 18.25% 20.19% 31.8% -9.43% 75.02% -16.69% 35.36% 9.13% 9.14% 46.12% 29.15% 9.62% 23.31% 62.2% 9.4% 50.28% -198.88% 26.95% -169.46% -28.01% 12.8% 2.04%
Net Earnings / Revenue 109.68% 147.72% 196.35% 98.18% 155.43% 174.02% 27.01% 24.0% 16.86% 21.5% 13.59% 17.14% 14.8% -12.69%
Basic Earnings Per Share $4.35 $5.80 $6.80 $3.06 $4.41 $4.36 $2.71 $2.00 $1.20 $1.68 $1.58 $0.97 $0.83 -$2.48
Diluted Earnings Per Share $4.35 $5.79 $6.79 $3.02 $4.16 $4.08 $2.60 $1.99 $1.20 $1.68 $1.58 $0.97 $0.83 -$2.48 -$9.776M -$2.445M $4.554M $5.399M $5.162M $4.466M $3.724M $2.783M $3.069M $1.856M $2.265M $1.751M $1.924M $1.661M $1.373M $1.092M $1.019M $855.1K $597.5K $555.3K $373.4K -$380.9K -$308.5K $444.2K $618.4K $549.5K $542.0K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

No data

Receivables

No data

Total Short-Term Assets

No data

Property, Plant And Equipment

Long-Term Investments

No data

Total Long-Term Assets

No data

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

No data

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

No data

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept 2023 2022 2021 2020 2019 2018 2017 2016 2015 2014 2013 2012 2011 2010 2009 2008 2007 2006 2005 2004 2003 2002 2001 2000 1999 1998 1997 1996 1995 1994 1993 1992 1991 1990 1989 1988 1987 1986 1985 1984 1983
Cash & Short-Term Investments
YoY Change
Cash & Equivalents
Short-Term Investments
Other Short-Term Assets
YoY Change
Inventory
Prepaid Expenses
Receivables
Other Receivables
Total Short-Term Assets
YoY Change
Property, Plant & Equipment $1.572B $1.581B $1.514B $1.422B $1.360B $1.124B $1.094B $1.020B $905.0M $830.0M $726.0M $709.0M $719.0M $721.0M $711.0M $687.0M $656.0M $609.0M $565.0M $409.0M $408.0M $394.0M $368.0M $315.0M $287.0M $250.0M $156.0M $103.0M $82.00M $75.00M $72.00M $54.00M $50.00M $52.00M $52.00M $54.00M $54.00M $55.00M $53.00M $40.00M $41.00M
YoY Change -0.57% 4.43% 6.47% 4.56% 21.0% 2.74% 7.25% 12.71% 9.04% 14.33% 2.4% -1.39% -0.28% 1.41% 3.49% 4.73% 7.72% 7.79% 38.14% 0.25% 3.55% 7.07% 16.83% 9.76% 14.8% 60.26% 51.46% 25.61% 9.33% 4.17% 33.33% 8.0% -3.85% 0.0% -3.7% 0.0% -1.82% 3.77% 32.5% -2.44%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets $999.0M $1.128B $96.00M -$3.000M $37.00M $130.0M $93.00M $250.0M $203.0M $304.0M
YoY Change -11.44% 1075.0% -3300.0% -108.11% -71.54% 39.78% -62.8% 23.15%
Total Long-Term Assets
YoY Change
Total Assets $87.20B $89.55B $93.20B $81.48B $69.17B $68.75B $66.29B $63.24B $59.67B $57.21B $56.03B $55.51B $53.15B $51.04B $51.12B $55.09B $52.95B $46.97B $42.78B $31.47B $28.56B $26.57B $24.30B $21.94B $20.28B $18.05B $10.87B $7.116B $5.621B $4.934B $4.801B $3.779B $3.646B $3.559B $2.975B $2.803B $3.020B $3.297B $3.181B $2.711B $2.311B
YoY Change
Accounts Payable
YoY Change
Accrued Expenses $198.0M $198.0M $222.0M $240.0M $246.0M $593.0M $429.0M $442.0M $535.0M $428.0M $310.0M $247.0M $321.0M $173.0M $91.00M $72.00M $71.00M $66.00M $45.00M $53.00M $50.00M $90.00M $60.00M $39.00M $45.00M $63.00M $62.00M $45.00M
YoY Change 0.0% -10.81% -7.5% -2.44% 38.23% -2.94% -17.38% 25.0% 38.06% 25.51% -23.05% 85.55% 90.11% 26.39% 1.41% 7.58% 46.67% -15.09% 6.0% -44.44% 50.0% 53.85% -13.33% -28.57% 1.61% 37.78%
Deferred Revenue
YoY Change
Short-Term Debt $4.379B $10.42B $903.0M $1.572B $2.053B $5.653B $4.976B $827.0M $347.0M $244.0M $340.0M $348.0M $656.0M $771.0M $834.0M $2.157B $4.291B $3.324B $2.515B $3.000B $2.601B $2.176B $2.534B $2.886B $2.668B $1.409B $1.437B $1.100B $880.0M $632.0M $778.0M $628.0M $646.0M $695.0M $299.0M $262.0M $381.0M $423.0M $455.0M $661.0M $384.0M
YoY Change -57.96% 1053.6% -42.56% -23.43% -63.68% 13.61% 501.69% 138.33% 42.21% -28.24% -2.3% -46.95% -14.92% -7.55% -61.34% -49.73% 29.09% 32.17% -16.17% 15.34% 19.53% -14.13% -12.2% 8.17% 89.35% -1.95% 30.64% 25.0% 39.24% -18.77% 23.89% -2.79% -7.05% 132.44% 14.12% -31.23% -9.93% -7.03% -31.16% 72.14%
Long-Term Debt Due $5.000M $67.00M $161.0M $117.0M
YoY Change -92.54% -58.39% 37.61%
Total Short-Term Liabilities $4.577B $198.0M $222.0M $240.0M $246.0M $5.653B $4.976B $827.0M $347.0M $244.0M $340.0M $5.000M $67.00M $161.0M $117.0M $2.157B $4.291B $3.324B $593.0M $429.0M $442.0M $535.0M $428.0M $310.0M $247.0M $321.0M $173.0M $91.00M $72.00M $71.00M $66.00M $45.00M $53.00M $50.00M $90.00M $60.00M $39.00M $45.00M $63.00M $62.00M $45.00M
YoY Change 2211.62% -10.81% -7.5% -2.44% -95.65% 13.61% 501.69% 138.33% 42.21% -28.24% 6700.0% -92.54% -58.39% 37.61% -94.58% -49.73% 29.09% 460.54% 38.23% -2.94% -17.38% 25.0% 38.06% 25.51% -23.05% 85.55% 90.11% 26.39% 1.41% 7.58% 46.67% -15.09% 6.0% -44.44% 50.0% 53.85% -13.33% -28.57% 1.61% 37.78%
Long-Term Debt $542.0M $651.0M $1.012B $1.336B $1.723B $724.0M $383.0M $535.0M $812.0M $1.070B $2.251B $2.314B $1.931B $1.922B $2.017B $2.493B $2.463B $2.358B $2.511B $1.691B $1.612B $1.070B $781.0M $420.0M $453.0M $454.0M $281.0M $252.0M $142.0M $160.0M $212.0M $99.00M $81.00M $93.00M $96.00M $102.0M $103.0M $106.0M $44.00M $44.00M $47.00M
YoY Change -16.74% -35.67% -24.25% -22.46% 137.98% 89.03% -28.41% -34.11% -24.11% -52.47% -2.72% 19.83% 0.47% -4.71% -19.09% 1.22% 4.45% -6.09% 48.49% 4.9% 50.65% 37.0% 85.95% -7.28% -0.22% 61.57% 11.51% 77.46% -11.25% -24.53% 114.14% 22.22% -12.9% -3.13% -5.88% -0.97% -2.83% 140.91% 0.0% -6.38%
Other Long-Term Liabilities $1.432B $1.734B $811.0M $792.0M $712.0M $690.0M $629.0M $1.007B $624.0M $655.0M $591.0M $640.0M $613.0M $579.0M $589.0M $669.0M $644.0M $622.0M
YoY Change -17.42% 113.81% 2.4% 11.24% 3.19% 9.7% -37.54% 61.38% -4.73% 10.83% -7.66% 4.4% 5.87% -1.7% -11.96% 3.88% 3.54%
Total Long-Term Liabilities $1.974B $2.385B $1.823B $2.128B $2.435B $1.414B $1.012B $1.542B $1.436B $1.725B $2.842B $2.954B $2.544B $2.501B $2.606B $3.162B $3.107B $2.980B $2.511B $1.691B $1.612B $1.070B $781.0M $420.0M $453.0M $454.0M $281.0M $252.0M $142.0M $160.0M $212.0M $99.00M $81.00M $93.00M $96.00M $102.0M $103.0M $106.0M $44.00M $44.00M $47.00M
YoY Change -17.23% 30.83% -14.33% -12.61% 72.21% 39.72% -34.37% 7.38% -16.75% -39.3% -3.79% 16.12% 1.72% -4.03% -17.58% 1.77% 4.26% 18.68% 48.49% 4.9% 50.65% 37.0% 85.95% -7.28% -0.22% 61.57% 11.51% 77.46% -11.25% -24.53% 114.14% 22.22% -12.9% -3.13% -5.88% -0.97% -2.83% 140.91% 0.0% -6.38%
Total Liabilities $81.51B $84.65B $85.74B $73.59B $61.82B $61.17B $58.61B $55.61B $52.16B $49.84B $49.57B $49.46B $46.16B $44.39B $45.43B $48.59B $47.66B $41.98B $38.54B $28.68B $26.02B $24.19B $22.02B $20.16B $18.62B $16.60B $10.13B $6.562B $5.192B $4.568B $4.488B $3.537B $3.439B $3.376B $2.811B $2.636B $2.840B $3.097B $2.977B $2.526B $2.144B
YoY Change -3.71% -1.27% 16.5% 19.05% 1.06% 4.37% 5.4% 6.61% 4.65% 0.55% 0.22% 7.14% 4.0% -2.3% -6.51% 1.96% 13.51% 8.93% 34.39% 10.23% 7.55% 9.85% 9.24% 8.27% 12.19% 63.89% 54.33% 26.39% 13.66% 1.78% 26.89% 2.85% 1.87% 20.1% 6.64% -7.18% -8.3% 4.03% 17.85% 17.82%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

No data

Treasury Stock Shares

No data

Stock Issuance & Repurchase

Ownership Data

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Dividends

Stock Price

Market Cap: $8.7401 Billion

About ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

Zions Bancorporation NA is a bank holding company, which engages in the provision of full banking and related services. The company is headquartered in Salt Lake City, Utah and currently employs 9,679 full-time employees. is a premier financial services company. The company provides a range of banking products and related services, primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company conducts its operations primarily through seven managed and geographically defined bank divisions, each with its own local branding and management. Its products and services include commercial and small business banking, capital markets and investment banking, commercial real estate lending, retail banking, and wealth management. Its commercial business banking products and services include commercial and industrial and owner-occupied lending and leasing, municipal and public finance services, and corporate trust services. Its capital markets and investment banking products and services include loan syndications, fixed income securities underwriting, and advisory and capital raising, and Power and project financing.

Industry: National Commercial Banks Peers: COMMERCE BANCSHARES INC /MO/ CULLEN/FROST BANKERS, INC. EAST WEST BANCORP INC PINNACLE FINANCIAL PARTNERS INC PNC FINANCIAL SERVICES GROUP, INC. PROSPERITY BANCSHARES INC Signature Bank Corp WESTERN ALLIANCE BANCORPORATION WEBSTER FINANCIAL CORP