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 capex plus investments ratio to assess the company's total reinvestment commitment from operating cash flow.
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. For the full cash flow conversion analysis, see ZION cash flow conversion.
Annual Financial Flexibility Index for Zions Bancorporation (1988–2024)
Year-by-year free cash flow to debt coverage for Zions Bancorporation. Explore Zions Bancorporation cash flow to debt ratio to assess how comfortably operating cash covers total debt obligations.
| 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 | — |