Zions Bancorporation (ZION) — Financial Flexibility Index
Zions Bancorporation (ZION) has a Financial Flexibility Index of 0.01x as of September 2025. Free cash flow of $463.00 Million (operating CF $438.00 Million minus capex $25.00 Million) represents 0% of total liabilities ($81.67 Billion). Check ZION PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.
Financial Flexibility Index
Free Cash Flow
Total Liabilities
Capital Expenditures
Zions Bancorporation Financial Flexibility Index (1988–2024)
Historical Financial Flexibility Index trend for Zions Bancorporation across 37 annual periods. See Zions Bancorporation (ZION) working capital ratio to evaluate short-term liquidity relative to the company's equity base.
Annual Financial Flexibility Index for Zions Bancorporation (1988–2024)
Year-by-year free cash flow to debt coverage for Zions Bancorporation. For the full company profile including market capitalisation, see ZION stock market capitalisation.
| Year | Flexibility Index | Free Cash Flow (USD) | Operating CF | Total Liabilities | YoY Change |
|---|---|---|---|---|---|
| 2024 | 0.02x | $1.25 Billion | $1.15 Billion | $82.65 Billion | ▲ +23.0% |
| 2023 | 0.01x | $998.00 Million | $885.00 Million | $81.51 Billion | ▼ -37.6% |
| 2022 | 0.02x | $1.66 Billion | $1.47 Billion | $84.65 Billion | ▼ -97.6% |
| 2021 | 0.83x | $835.00 Million | $629.00 Million | $1.01 Billion | ▲ +23.9% |
| 2020 | 0.67x | $890.00 Million | $719.00 Million | $1.34 Billion | ▲ +4959.2% |
| 2019 | 0.01x | $814.00 Million | $697.00 Million | $61.82 Billion | ▼ -38.3% |
| 2018 | 0.02x | $1.30 Billion | $1.18 Billion | $61.17 Billion | ▲ +14.0% |
| 2017 | 0.02x | $1.10 Billion | $928.00 Million | $58.61 Billion | ▲ +31.4% |
| 2016 | 0.01x | $792.07 Million | $596.07 Million | $55.60 Billion | ▲ +19.6% |
| 2015 | 0.01x | $621.00 Million | $464.00 Million | $52.16 Billion | ▲ +6.7% |
| 2014 | 0.01x | $556.14 Million | $380.34 Million | $49.83 Billion | ▼ -40.1% |
| 2013 | 0.02x | $923.69 Million | $835.11 Million | $49.57 Billion | ▲ +14.5% |
| 2012 | 0.02x | $805.09 Million | $736.20 Million | $49.46 Billion | ▼ -34.5% |
| 2011 | 0.02x | $1.15 Billion | $1.07 Billion | $46.17 Billion | ▼ -28.4% |
| 2010 | 0.03x | $1.54 Billion | $1.46 Billion | $44.39 Billion | ▲ +36.4% |
| 2009 | 0.03x | $1.16 Billion | $1.06 Billion | $45.41 Billion | ▼ -3.2% |
| 2008 | 0.03x | $1.28 Billion | $1.17 Billion | $48.56 Billion | ▲ +49.7% |
| 2007 | 0.02x | $836.12 Million | $732.90 Million | $47.62 Billion | ▼ -37.0% |
| 2006 | 0.03x | $1.17 Billion | $1.05 Billion | $41.94 Billion | ▲ +30.6% |
| 2005 | 0.02x | $822.19 Million | $754.19 Million | $38.51 Billion | ▼ -16.7% |
| 2004 | 0.03x | $734.66 Million | $662.37 Million | $28.66 Billion | ▲ +27.3% |
| 2003 | 0.02x | $523.46 Million | $440.19 Million | $26.00 Billion | ▲ +30.2% |
| 2002 | 0.02x | $373.89 Million | $276.06 Million | $24.17 Billion | ▼ -63.6% |
| 2001 | 0.04x | $935.30 Million | $843.38 Million | $22.01 Billion | ▲ +98.2% |
| 2000 | 0.02x | $431.48 Million | $349.19 Million | $20.12 Billion | ▲ +318.6% |
| 1999 | 0.01x | $95.20 Million | $1.40 Million | $18.58 Billion | ▲ +32.8% |
| 1998 | 0.00x | $63.90 Million | $-11.60 Million | $16.56 Billion | ▼ -45.8% |
| 1997 | 0.01x | $72.10 Million | $30.10 Million | $10.13 Billion | ▼ -72.1% |
| 1996 | 0.03x | $167.60 Million | $134.80 Million | $6.56 Billion | ▼ -41.9% |
| 1995 | 0.04x | $228.20 Million | $210.20 Million | $5.19 Billion | ▲ +599.5% |
| 1994 | -0.01x | $-40.20 Million | $-52.60 Million | $4.57 Billion | ▼ -126.3% |
| 1993 | 0.03x | $136.20 Million | $122.50 Million | $4.08 Billion | ▲ +1061.0% |
| 1992 | 0.00x | $-12.30 Million | $-22.00 Million | $3.54 Billion | ▼ -123.2% |
| 1991 | 0.02x | $51.60 Million | $46.30 Million | $3.44 Billion | ▼ -41.0% |
| 1990 | 0.03x | $85.80 Million | $79.40 Million | $3.38 Billion | ▲ +21.9% |
| 1989 | 0.02x | $58.60 Million | $53.60 Million | $2.81 Billion | ▲ +22.4% |
| 1988 | 0.02x | $44.90 Million | $40.70 Million | $2.64 Billion | — |