Zions Bancorporation N.A. Quarterly 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 the quarter ended Jun 30, 2026, Zions Bancorporation N.A. generated $422.0 million of operating cash flow and spent $33.0 million on capital expenditures. That left free cash flow of $389.0 million, a free-cash-flow margin of 213.7% of revenue. Zions Bancorporation N.A. returned $143.0 million to shareholders: $68.0 million in dividends and $75.0 million in share repurchases, equal to 37% of free cash flow.
Free cash flow covered dividend payments 5.7 times.
Summary generated from market data by MetaCap's automated system. Methodology
Zions Bancorporation N.A. cash flow statement (quarterly)
| Quarter (USD) | Q2 20262026-06-30 | Q1 20262026-03-31 | Q4 20252025-12-31 | Q3 20252025-09-30 | Q2 20252025-06-30 | Q1 20252025-03-31 | Q4 20242024-12-31 | Q3 20242024-09-30 | Q2 20242024-06-30 | Q1 20242024-03-31 | Q4 20232023-12-31 | Q3 20232023-09-30 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Net Income | 453.00M | 233.00M | 263.00M | 222.00M | 244.00M | 170.00M | 216.00M | 214.00M | 201.00M | 153.00M | 126.00M | 175.00M |
| Net Income growth (YoY) | +85.66% | +37.06% | +21.76% | +3.74% | +21.39% | +11.11% | +71.43% | +22.29% | +14.86% | -25.00% | -55.63% | -19.35% |
| Depreciation & Amortization | 27.00M | 30.00M | 29.00M | 30.00M | 29.00M | 28.00M | 29.00M | 32.00M | 31.00M | 32.00M | 32.00M | 36.00M |
| Stock-Based Compensation | 6.00M | 18.00M | 6.00M | 6.00M | 6.00M | 17.00M | 5.00M | 4.00M | 8.00M | 16.00M | 5.00M | 4.00M |
| Change in Working Capital | 91.00M | -73.00M | 20.00M | 55.00M | -80.00M | 71.00M | -42.00M | 98.00M | -38.00M | 76.00M | 95.00M | -90.00M |
| Operating Cash Flow | 422.00M | 423.00M | 518.00M | 438.00M | -62.00M | 179.00M | 517.00M | 119.00M | 251.00M | 261.00M | -245.00M | 311.00M |
| Capital Expenditures | -33.00M | -25.00M | -38.00M | -25.00M | -31.00M | -27.00M | -28.00M | -22.00M | -17.00M | -30.00M | -29.00M | -31.00M |
| Investing Cash Flow | -688.00M | 428.00M | -651.00M | 359.00M | -631.00M | 1.66B | -2.37B | 1.13B | -460.00M | 53.00M | 738.00M | -148.00M |
| Dividends Paid | -68.00M | -68.00M | -68.00M | -68.00M | -65.00M | -66.00M | -74.00M | -72.00M | -72.00M | -71.00M | -71.00M | -73.00M |
| Share Repurchases | -75.00M | -77.00M | 0 | 0 | 0 | -41.00M | -1.00M | 0 | 0 | -35.00M | -1.00M | 0 |
| Debt Issued | 1.00M | 497.00M | 0 | 498.00M | 0 | 0 | 496.00M | — | — | — | — | — |
| Debt Repaid | — | — | — | — | — | — | -88.00M | 0 | — | — | 0 | 0 |
| Financing Cash Flow | 398.00M | -873.00M | 45.00M | -806.00M | 640.00M | -1.66B | 1.39B | -855.00M | 217.00M | -321.00M | -477.00M | -164.00M |
| Net Change in Cash | 132.00M | -22.00M | -88.00M | -9.00M | -53.00M | 182.00M | -463.00M | 397.00M | 8.00M | -7.00M | 16.00M | -1.00M |
| Free Cash Flow | 389.00M | 398.00M | 480.00M | 413.00M | -93.00M | 152.00M | 489.00M | 97.00M | 234.00M | 231.00M | -274.00M | 280.00M |
This table shows 12 quarterly periods of Zions Bancorporation N.A.'s cash flow statement, from Q2 2026 back to Q3 2023, 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?