Zions Bancorp NA (ZION) Financials

Zions Bancorp NA (ZION) is a financial holding company that provides banking and related services through its subsidiaries. The company's income statement provides a snapshot of its financial performance over a specific period. It includes information on ZION's revenue, expenses, and net income from stockholders. The income statement helps investors and analysts evaluate the profitability of the company and its ability to generate sustainable earnings.

ZION's EBIT (Earnings Before Interest and Taxes) is a measure of its operational profitability. It represents the company's earnings before deducting interest expenses and income taxes. EBITDA (Earnings Before Interest, Taxes, Depreciation, and Amortization) is another important financial metric that assesses a company's operating performance. It helps investors understand the company's ability to generate cash flow from its core operations.

ZION's gross profit is the revenue generated from its core banking activities minus the cost of goods sold. It reflects the profitability of these activities before considering other expenses. Net income from stockholders represents the earnings available to the company's common stockholders after deducting preferred stock dividends.

ZION's total revenue includes both interest income, generated from loans and investments, and non-interest income, generated from fees, commissions, and other sources. Total revenue is a key indicator of the company's overall financial performance and growth.

ZION's balance sheet provides a snapshot of its financial position at a specific point in time. It includes information on the company's assets, liabilities, and stockholders' equity. Cash equivalents are highly liquid investments that can be readily converted into cash. They represent the company's short-term financial resources.

ZION's net debt is the difference between its total debt and cash equivalents. It indicates the company's ability to meet its financial obligations. Stockholders' equity represents the residual interest in the company's assets after deducting its liabilities. It reflects the shareholders' ownership interest in the company.

ZION's total assets include its cash equivalents, loans, investments, and other tangible and intangible assets. Total debt represents the company's outstanding debt obligations, including both long-term and short-term debt. Total liabilities include all of the company's obligations, both financial and non-financial.

ZION's cash flow statement provides information on the company's cash inflows and outflows over a specific period. It includes cash flows from operating, investing, and financing activities. Operating cash flow represents the company's cash generated or used in its core operations. Investing cash flow represents the cash used for acquiring or selling assets. Financing cash flow represents the cash generated or used from financing activities, such as issuing or repaying debt or issuing or buying back stock.

ZION's free cash flow is the cash generated by the company's operations after deducting capital expenditures. It represents the amount of cash available for distribution to investors or for reinvestment in the company. Free cash flow is an important metric for evaluating a company's financial health and its ability to generate excess cash.

In summary, Zions Bancorp NA's financials provide valuable insights into the company's financial performance, profitability, liquidity, and overall financial health. These metrics are essential for investors and analysts to make informed investment decisions.