Zions Bancorporation N.A. Cash Flow Statement
NASDAQ: ZIONFinanceMajor BanksUSD
At close: Oct 9, 4:00 PM ET · Delayed 15 min
Zions Bancorporation N.A. free cash flow
In fiscal 2025, Zions Bancorporation N.A. generated $1.07 billion of operating cash flow and spent $121.0 million on capital expenditures. That left free cash flow of $952.0 million, a free-cash-flow margin of 143.8% of revenue. Free cash flow was down 9.4% from the prior year's $1.05 billion.
Zions Bancorporation N.A. returned $308.0 million to shareholders: $267.0 million in dividends and $41.0 million in share repurchases, equal to 32% of free cash flow. Free cash flow covered dividend payments 3.6 times.
Summary generated from market data by MetaCap's automated system. Methodology
Zions Bancorporation N.A. cash flow statement (annual)
| Fiscal year (USD) | FY 20252025-12-31 | FY 20242024-12-31 | FY 20232023-12-31 | FY 20222022-12-31 | FY 20212021-12-31 | FY 20202020-12-31 | FY 20192019-12-31 | FY 20182018-12-31 | FY 20172017-12-31 | FY 20162016-12-31 |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 899.00M | 784.00M | 680.00M | 907.00M | 1.13B | 539.00M | 816.00M | 884.00M | 592.00M | 469.00M |
| Net Income growth (YoY) | +14.67% | +15.29% | -25.03% | -19.66% | +109.46% | -33.95% | -7.69% | +49.32% | +26.23% | +51.78% |
| Depreciation & Amortization | 116.00M | 124.00M | 140.00M | 110.00M | -14.00M | 86.00M | 188.00M | 193.00M | 179.00M | 123.00M |
| Stock-Based Compensation | 35.00M | 33.00M | 33.00M | 30.00M | 28.00M | 26.00M | 27.00M | 26.00M | 25.00M | 26.00M |
| Change in Working Capital | 66.00M | 94.00M | 169.00M | -457.00M | -78.00M | -223.00M | -179.00M | 14.00M | -89.00M | -10.00M |
| Operating Cash Flow | 1.07B | 1.15B | 885.00M | 1.47B | 629.00M | 719.00M | 697.00M | 1.18B | 928.00M | 596.00M |
| Capital Expenditures | -121.00M | -97.00M | -113.00M | -190.00M | -206.00M | -171.00M | -117.00M | -129.00M | -169.00M | -196.00M |
| Investing Cash Flow | 738.00M | -1.64B | 2.37B | 1.41B | -11.58B | -12.20B | 375.00M | -2.71B | -3.92B | -3.44B |
| Dividends Paid | -267.00M | -289.00M | -282.00M | -269.00M | -261.00M | -259.00M | -260.00M | -236.00M | -129.00M | -108.00M |
| Share Repurchases | -41.00M | -36.00M | -51.00M | -202.00M | -800.00M | -76.00M | -1.10B | -672.00M | -321.00M | -97.00M |
| Debt Issued | 498.00M | 496.00M | 0 | 0 | 0 | 0 | 992.00M | 497.00M | — | — |
| Debt Repaid | 0 | -88.00M | -128.00M | -290.00M | -286.00M | -429.00M | 0 | -162.00M | -153.00M | -280.00M |
| Financing Cash Flow | -1.78B | 427.00M | -3.20B | -2.81B | 11.00B | 11.32B | -981.00M | 1.60B | 2.80B | 2.78B |
| Net Change in Cash | 32.00M | -65.00M | 59.00M | 62.00M | 52.00M | -162.00M | 91.00M | 66.00M | -189.00M | -61.00M |
| Free Cash Flow | 952.00M | 1.05B | 772.00M | 1.28B | 423.00M | 548.00M | 580.00M | 1.05B | 759.00M | 400.00M |
This table shows 10 annual periods of Zions Bancorporation N.A.'s cash flow statement, from FY 2025 back to FY 2016, across 14 line items including net income, depreciation & amortization, stock-based compensation. Values in USD; B = billions, M = millions. Fiscal periods follow ZION's reporting calendar. What is a cash flow statement?