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Zions Bancorporation ZION NBAZ — Indirect/allocated expenses

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Other financials

Income statement

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Revenue$1.1B+35.7%
Net income$453.0M+85.7%
EPS (diluted)$3.05+87.1%

Balance sheet

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Total debt$2.2B+82.6%
Total equity$7.7B+16.4%
Total assets$89.0B+0.2%

Cash flow

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Operating cash flow$422.0M
CapEx$33.0M+6.5%
Free cash flow$389.0M

Valuation

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Market cap$10.46B+37.6%
P/E8.9×-0.1×
P/S2.8×+0.5×

Profitability

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Net margin31.3%+5.3pp
FCF margin44.9%+22.2pp

Returns & leverage

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Return on equity16.4%+3.0pp
Debt / equity0.3×+0.1×

Where this comes from

Reported directly by Zions Bancorporation in its filing.

Tagged under the XBRL concept zions:NoninterestExpenseIndirectAndAllocatedExpenses.

The source filing: Zions Bancorporation’s 10-Q, filed August 6, 2026.

Filed
Aug 6, 2026, 3:30 PM EDT
Fiscal quarter
Q2 FY2026
Calendar quarter
Q2 2026
Accession
0000109380-26-000111
(In millions)NBAZ / 2026NBAZ / 2025NSB / 2026NSB / 2025Vectra / 2026Vectra / 2025
Technology, telecom, and information processing111111
Occupancy and equipment, net323333
Other direct expenses 2365443
Indirect/allocated expenses292625241817
Total noninterest expense494845433634
Income (loss) before taxes$32$31$23$19$6$13
SELECTED AVERAGE BALANCE SHEET DATA
Total average loans$5,710$5,575$3,803$3,737$3,765$3,871

ITEM 1. FINANCIAL STATEMENTS (Unaudited)

FAQ

What is Zions Bancorporation's NBAZ — indirect/allocated expenses?
Zions Bancorporation (ZION) reported NBAZ — indirect/allocated expenses of $29M in Q2 2026.
How has Zions Bancorporation's NBAZ — indirect/allocated expenses changed year-over-year?
Zions Bancorporation's NBAZ — indirect/allocated expenses increased by 11.5% year-over-year, from $26M to $29M.
What is the long-term trend for Zions Bancorporation's NBAZ — indirect/allocated expenses?
Over 3 years (2022 to 2025), Zions Bancorporation's NBAZ — indirect/allocated expenses has grown at a 7.0% compound annual growth rate (CAGR), from $85M to $104M.
What does NBAZ — indirect/allocated expenses mean?
Represents the portion of corporate-level overhead and shared service costs—such as IT, human resources, legal, and executive management—allocated to the regional segment. This metric reflects the segment's share of the broader enterprise's support structure. It is essential for determining the true fully-loaded profitability of the regional business unit.

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