Zions Bancorporation
Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of … Read more
Zions Bancorporation (ZION) - Net Assets
Latest net assets as of September 2025: $6.87 Billion USD
Based on the latest financial reports, Zions Bancorporation (ZION) has net assets worth $6.87 Billion USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($88.53 Billion) and total liabilities ($81.67 Billion). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $6.87 Billion |
| % of Total Assets | 7.75% |
| Annual Growth Rate | 9.18% |
| 5-Year Change | -92.36% |
| 10-Year Change | -18.43% |
| Growth Volatility | 153.22 |
Zions Bancorporation - Net Assets Trend (1983–2024)
This chart illustrates how Zions Bancorporation's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Zions Bancorporation (1983–2024)
The table below shows the annual net assets of Zions Bancorporation from 1983 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $6.12 Billion | +7.61% |
| 2023-12-31 | $5.69 Billion | +16.31% |
| 2022-12-31 | $4.89 Billion | -94.69% |
| 2021-12-31 | $92.19 Billion | +15.03% |
| 2020-12-31 | $80.14 Billion | +989.90% |
| 2019-12-31 | $7.35 Billion | -2.97% |
| 2018-12-31 | $7.58 Billion | -1.32% |
| 2017-12-31 | $7.68 Billion | +0.59% |
| 2016-12-31 | $7.63 Billion | +1.69% |
| 2015-12-31 | $7.51 Billion | +1.78% |
| 2014-12-31 | $7.38 Billion | +14.10% |
| 2013-12-31 | $6.46 Billion | +6.88% |
| 2012-12-31 | $6.05 Billion | -13.38% |
| 2011-12-31 | $6.98 Billion | +5.05% |
| 2010-12-31 | $6.65 Billion | +16.41% |
| 2009-12-31 | $5.71 Billion | -12.54% |
| 2008-12-31 | $6.53 Billion | +22.64% |
| 2007-12-31 | $5.32 Billion | +5.84% |
| 2006-12-31 | $5.03 Billion | +17.94% |
| 2005-12-31 | $4.26 Billion | +51.59% |
| 2004-12-31 | $2.81 Billion | +9.90% |
| 2003-12-31 | $2.56 Billion | +6.81% |
| 2002-12-31 | $2.40 Billion | +4.32% |
| 2001-12-31 | $2.30 Billion | +26.31% |
| 2000-12-31 | $1.82 Billion | +7.05% |
| 1999-12-31 | $1.70 Billion | +14.23% |
| 1998-12-31 | $1.49 Billion | +100.42% |
| 1997-12-31 | $742.10 Million | +33.81% |
| 1996-12-31 | $554.60 Million | +29.43% |
| 1995-12-31 | $428.50 Million | +17.14% |
| 1994-12-31 | $365.80 Million | +25.96% |
| 1993-12-31 | $290.40 Million | +19.75% |
| 1992-12-31 | $242.50 Million | +17.38% |
| 1991-12-31 | $206.60 Million | +12.59% |
| 1990-12-31 | $183.50 Million | +11.69% |
| 1989-12-31 | $164.30 Million | -1.62% |
| 1988-12-31 | $167.00 Million | -7.22% |
| 1987-12-31 | $180.00 Million | -10.00% |
| 1986-12-31 | $200.00 Million | -1.96% |
| 1985-12-31 | $204.00 Million | +10.87% |
| 1984-12-31 | $184.00 Million | +10.18% |
| 1983-12-31 | $167.00 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Zions Bancorporation's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have grown by 5936.9% over the analyzed period, indicating profitable operations and earnings retention.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Retained Earnings | $6.70 Billion | 109.42% |
| Common Stock | $1.74 Billion | 28.36% |
| Other Comprehensive Income | $-2.38 Billion | -38.86% |
| Other Components | $66.00 Million | 1.08% |
| Total Equity | $6.12 Billion | 100.00% |
Zions Bancorporation Competitors by Market Cap
The table below lists competitors of Zions Bancorporation ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
AB SKF
PINK:SKFRY
|
$7.76 Billion |
|
Valmont Industries Inc
NYSE:VMI
|
$7.77 Billion |
|
Blueprint Medicines Corp
NASDAQ:BPMC
|
$7.77 Billion |
|
Toppan Inc
PINK:TONPF
|
$7.77 Billion |
|
Singapore Technologies Engineering Ltd
PINK:SGGKF
|
$7.74 Billion |
|
Smartsheet Inc
NYSE:SMAR
|
$7.74 Billion |
|
Yantai Jereh Oilfield Services Group Co Ltd
SHE:002353
|
$7.73 Billion |
|
JSC Halyk bank
F:H4L1
|
$7.73 Billion |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Zions Bancorporation's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 5,691,000,000 to 6,124,000,000, a change of 433,000,000 (7.6%).
- Net income of 784,000,000 contributed positively to equity growth.
- Dividend payments of 289,000,000 reduced retained earnings.
- Share repurchases of 410,000,000 reduced equity.
- New share issuances of 10,000,000 increased equity.
- Other comprehensive income increased equity by 312,000,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $784.00 Million | +12.8% |
| Dividends Paid | $289.00 Million | -4.72% |
| Share Repurchases | $410.00 Million | -6.69% |
| Share Issuances | $10.00 Million | +0.16% |
| Other Comprehensive Income | $312.00 Million | +5.09% |
| Other Changes | $26.00 Million | +0.42% |
| Total Change | $- | 7.61% |
Book Value vs Market Value Analysis
This analysis compares Zions Bancorporation's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 1.29x
- The company is trading above its book value, indicating the market recognizes value beyond its reported assets.
- The price-to-book ratio has decreased from 14.49x to 1.29x over the analyzed period, indicating reduced market premium.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 1983-12-31 | $3.69 | $53.54 | x |
| 1984-12-31 | $4.04 | $53.54 | x |
| 1985-12-31 | $4.45 | $53.54 | x |
| 1986-12-31 | $4.37 | $53.54 | x |
| 1987-12-31 | $4.00 | $53.54 | x |
| 1988-12-31 | $3.55 | $53.54 | x |
| 1989-12-31 | $3.53 | $53.54 | x |
| 1990-12-31 | $3.86 | $53.54 | x |
| 1991-12-31 | $4.26 | $53.54 | x |
| 1992-12-31 | $4.92 | $53.54 | x |
| 1993-12-31 | $5.75 | $53.54 | x |
| 1994-12-31 | $6.26 | $53.54 | x |
| 1995-12-31 | $7.12 | $53.54 | x |
| 1996-12-31 | $7.74 | $53.54 | x |
| 1997-12-31 | $10.19 | $53.54 | x |
| 1998-12-31 | $17.73 | $53.54 | x |
| 1999-12-31 | $19.33 | $53.54 | x |
| 2000-12-31 | $20.42 | $53.54 | x |
| 2001-12-31 | $24.75 | $53.54 | x |
| 2002-12-31 | $25.78 | $53.54 | x |
| 2003-12-31 | $27.99 | $53.54 | x |
| 2004-12-31 | $30.70 | $53.54 | x |
| 2005-12-31 | $45.56 | $53.54 | x |
| 2006-12-31 | $46.16 | $53.54 | x |
| 2007-12-31 | $48.77 | $53.54 | x |
| 2008-12-31 | $59.57 | $53.54 | x |
| 2009-12-31 | $45.75 | $53.54 | x |
| 2010-12-31 | $40.06 | $53.54 | x |
| 2011-12-31 | $38.25 | $53.54 | x |
| 2012-12-31 | $33.03 | $53.54 | x |
| 2013-12-31 | $35.08 | $53.54 | x |
| 2014-12-31 | $38.26 | $53.54 | x |
| 2015-12-31 | $36.86 | $53.54 | x |
| 2016-12-31 | $37.37 | $53.54 | x |
| 2017-12-31 | $36.63 | $53.54 | x |
| 2018-12-31 | $36.70 | $53.54 | x |
| 2019-12-31 | $39.43 | $53.54 | x |
| 2020-12-31 | $47.62 | $53.54 | x |
| 2021-12-31 | $46.58 | $53.54 | x |
| 2022-12-31 | $32.56 | $53.54 | x |
| 2023-12-31 | $38.52 | $53.54 | x |
| 2024-12-31 | $41.60 | $53.54 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Zions Bancorporation utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 12.80%
- The company shows good efficiency in utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: 15.70%
- • Asset Turnover: 0.06x
- • Equity Multiplier: 14.50x
- Recent ROE (12.80%) is above the historical average (9.41%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 1983 | 14.67% | 24.07% | 0.04x | 13.84x | $7.80 Million |
| 1984 | 13.59% | 23.36% | 0.04x | 14.73x | $6.60 Million |
| 1985 | 13.82% | 0.00% | 0.00x | 15.59x | $7.80 Million |
| 1986 | 10.30% | 0.00% | 0.00x | 16.49x | $600.00K |
| 1987 | -8.00% | 0.00% | 0.00x | 16.78x | $-32.40 Million |
| 1988 | -10.72% | 0.00% | 0.00x | 16.78x | $-34.60 Million |
| 1989 | 10.77% | 5.51% | 0.11x | 18.11x | $1.27 Million |
| 1990 | 14.50% | 7.72% | 0.10x | 19.40x | $8.25 Million |
| 1991 | 14.09% | 8.45% | 0.09x | 17.65x | $8.44 Million |
| 1992 | 17.90% | 13.56% | 0.08x | 15.58x | $19.15 Million |
| 1993 | 18.25% | 15.33% | 0.08x | 15.03x | $23.96 Million |
| 1994 | 17.44% | 14.93% | 0.09x | 13.49x | $27.22 Million |
| 1995 | 19.23% | 15.60% | 0.09x | 13.12x | $39.55 Million |
| 1996 | 21.71% | 16.80% | 0.10x | 12.83x | $64.94 Million |
| 1997 | 17.71% | 15.19% | 0.08x | 14.65x | $57.19 Million |
| 1998 | 9.87% | 11.54% | 0.07x | 12.43x | $-1.86 Million |
| 1999 | 11.69% | 11.94% | 0.08x | 12.22x | $28.12 Million |
| 2000 | 9.09% | 8.89% | 0.08x | 12.33x | $-16.18 Million |
| 2001 | 12.41% | 14.08% | 0.08x | 10.66x | $54.93 Million |
| 2002 | 10.80% | 13.98% | 0.07x | 11.19x | $18.89 Million |
| 2003 | 13.30% | 17.88% | 0.07x | 11.24x | $83.82 Million |
| 2004 | 14.55% | 21.11% | 0.06x | 11.28x | $126.99 Million |
| 2005 | 11.33% | 20.45% | 0.05x | 10.10x | $56.39 Million |
| 2006 | 11.69% | 17.31% | 0.07x | 9.42x | $84.42 Million |
| 2007 | 9.33% | 13.65% | 0.07x | 10.00x | $-35.53 Million |
| 2008 | -4.10% | -8.41% | 0.06x | 8.47x | $-916.44 Million |
| 2009 | -21.36% | -38.60% | 0.06x | 8.98x | $-1.79 Billion |
| 2010 | -4.40% | -10.60% | 0.05x | 7.68x | $-957.56 Million |
| 2011 | 4.64% | 12.05% | 0.05x | 7.61x | $-374.73 Million |
| 2012 | 5.78% | 14.22% | 0.04x | 9.17x | $-255.69 Million |
| 2013 | 4.08% | 11.58% | 0.04x | 8.67x | $-382.67 Million |
| 2014 | 5.40% | 16.99% | 0.04x | 7.76x | $-339.14 Million |
| 2015 | 4.12% | 14.11% | 0.04x | 7.95x | $-441.75 Million |
| 2016 | 6.14% | 18.99% | 0.04x | 8.28x | $-294.43 Million |
| 2017 | 7.71% | 21.64% | 0.04x | 8.63x | $-175.90 Million |
| 2018 | 11.67% | 29.15% | 0.04x | 9.07x | $126.20 Million |
| 2019 | 11.10% | 25.15% | 0.05x | 9.41x | $80.70 Million |
| 2020 | 6.83% | 18.32% | 0.04x | 10.33x | $-249.60 Million |
| 2021 | 15.13% | 38.01% | 0.03x | 12.49x | $382.70 Million |
| 2022 | 18.54% | 27.18% | 0.04x | 18.30x | $417.70 Million |
| 2023 | 11.95% | 14.71% | 0.05x | 15.32x | $110.90 Million |
| 2024 | 12.80% | 15.70% | 0.06x | 14.50x | $171.60 Million |
Industry Comparison
This section compares Zions Bancorporation's net assets metrics with peer companies in the Banks - Regional industry.
Industry Context
- Industry: Banks - Regional
- Average net assets among peers: $16,924,188,763
- Average return on equity (ROE) among peers: 8.48%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Zions Bancorporation (ZION) | $6.87 Billion | 14.67% | 11.90x | $7.75 Billion |
| Ameris Bancorp (ABCB) | $293.77 Million | 7.18% | 9.19x | $4.91 Billion |
| ACNB Corporation (ACNB) | $49.44 Million | 14.38% | 8.56x | $474.47 Million |
| Addiko Bank AG (ADBKF) | $851.70 Million | 0.16% | 5.94x | $210.07 Million |
| Affinity Bancshares Inc (AFBI) | $117.10 Million | 6.09% | 5.76x | $79.30 Million |
| Absa Group Limited (AGRPF) | $85.20 Billion | 14.06% | 10.26x | $6.72 Billion |
| AIB Group plc (AIBGY) | $13.66 Billion | 4.74% | 8.36x | $21.72 Billion |
| Akbank Turk Anonim Sirketi (AKBTY) | $62.92 Billion | 9.95% | 6.60x | $8.60 Billion |
| Alpha Bank SA (ALBKY) | $5.78 Billion | 1.48% | 10.55x | $1.12 Billion |
| Community Capital Bancshares Inc (ALBY) | $18.00 Million | 9.85% | 14.66x | $19.76 Million |
| Alpine Banks of Colorado (ALPIB) | $342.89 Million | 16.92% | 10.27x | $248.47 Million |