Zions Bancorporation (ZION) — Cash Flow Quality Index
Zions Bancorporation (ZION) has a Cash Flow Quality Index of 1.97x as of September 2025. Operating cash flow of $438.00 Million exceeds net income of $222.00 Million, indicating high earnings quality where cash backs reported profits. Explore how much of Zions Bancorporation's assets are long-term investments to see how much of total assets are deployed in long-term investments.
Cash Flow Quality Index
Operating Cash Flow
Net Income
Data as of
Zions Bancorporation Cash Flow Quality Index (1989–2024)
Historical Cash Flow Quality Index for Zions Bancorporation across 33 annual periods. Values consistently above 1.0x indicate high-quality earnings. Check ZION goodwill-adjusted equity ratio to evaluate the tangible quality of the company's equity base.
Annual Cash Flow Quality Index for Zions Bancorporation (1989–2024)
Year-by-year earnings quality comparison for Zions Bancorporation. For live market cap and the full company financial profile, see Zions Bancorporation market capitalisation.
| Year | Quality Index | Operating CF (USD) | Net Income | YoY Change |
|---|---|---|---|---|
| 2024 | 1.46x | $1.15 Billion | $784.00 Million | ▲ +12.5% |
| 2023 | 1.30x | $885.00 Million | $680.00 Million | ▼ -19.7% |
| 2022 | 1.62x | $1.47 Billion | $907.00 Million | ▲ +190.9% |
| 2021 | 0.56x | $629.00 Million | $1.13 Billion | ▼ -58.2% |
| 2020 | 1.33x | $719.00 Million | $539.00 Million | ▲ +56.2% |
| 2019 | 0.85x | $697.00 Million | $816.00 Million | ▼ -35.8% |
| 2018 | 1.33x | $1.18 Billion | $884.00 Million | ▼ -15.1% |
| 2017 | 1.57x | $928.00 Million | $592.00 Million | ▲ +23.4% |
| 2016 | 1.27x | $596.07 Million | $469.05 Million | ▼ -15.2% |
| 2015 | 1.50x | $464.00 Million | $309.47 Million | ▲ +57.1% |
| 2014 | 0.95x | $380.34 Million | $398.46 Million | ▼ -69.9% |
| 2013 | 3.17x | $835.11 Million | $263.45 Million | ▲ +49.9% |
| 2012 | 2.11x | $736.20 Million | $348.15 Million | ▼ -36.2% |
| 2011 | 3.31x | $1.07 Billion | $322.69 Million | ▲ +123.1% |
| 2007 | 1.48x | $732.90 Million | $493.75 Million | ▼ -17.3% |
| 2006 | 1.80x | $1.05 Billion | $583.12 Million | ▲ +14.3% |
| 2005 | 1.57x | $754.19 Million | $480.12 Million | ▼ -3.7% |
| 2004 | 1.63x | $662.37 Million | $405.99 Million | ▲ +25.2% |
| 2003 | 1.30x | $440.19 Million | $337.82 Million | ▲ +21.0% |
| 2002 | 1.08x | $276.06 Million | $256.28 Million | ▼ -63.9% |
| 2001 | 2.98x | $843.38 Million | $283.02 Million | ▲ +38.0% |
| 2000 | 2.16x | $349.19 Million | $161.71 Million | ▲ +29837.9% |
| 1999 | 0.01x | $1.40 Million | $194.10 Million | ▲ +108.9% |
| 1998 | -0.08x | $-11.60 Million | $143.40 Million | ▼ -135.3% |
| 1997 | 0.23x | $30.10 Million | $131.40 Million | ▼ -79.5% |
| 1996 | 1.12x | $134.80 Million | $120.40 Million | ▼ -56.1% |
| 1995 | 2.55x | $210.20 Million | $82.40 Million | ▲ +409.4% |
| 1994 | -0.82x | $-52.60 Million | $63.80 Million | ▼ -134.6% |
| 1993 | 2.38x | $122.50 Million | $51.40 Million | ▲ +570.2% |
| 1992 | -0.51x | $-22.00 Million | $43.40 Million | ▼ -131.9% |
| 1991 | 1.59x | $46.30 Million | $29.10 Million | ▼ -46.7% |
| 1990 | 2.98x | $79.40 Million | $26.60 Million | ▼ -22.6% |
| 1989 | 3.86x | $53.60 Million | $13.90 Million | — |