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DESCRIPTION OF BUSINESS Zions Bancorporation, National Association ( Zions Bancorporation, N.A., the Bank, we, our, us ) is a bank headquartered in Salt Lake City, Utah, with annual net revenue (net interest income and noninterest income) of $3.4 billion in 2025, and total assets of approximately $89 billion at December 31, 2025. We provide a wide range of banking products and related services,…
135.80% net margin is above average for a financial institution, suggesting strong underwriting or fee income alongside controlled credit costs.
Revenue growth slowed to 3.6%, essentially flat. This is a business that needs a catalyst.
Traditional FCF and operating-margin metrics are not meaningful for financial institutions. Evaluate using net interest margin, credit quality, and capital ratios instead.
Profitability & Returns
Revenue (TTM)
$676M
▲ +3.6% YoY
Net Income (TTM)
$962M
▲ +14.7% YoY
Net Margin
142.31%
P/E
—
Balance Sheet
Total Assets
$87.96B
Equity
$7.30B
Total Debt
$2.23B
Cash & Equiv.
$661M
5Y CAGR: -22.7%
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