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Side-by-side financial comparison of KB HOME (KBH) and ZIONS BANCORPORATION, NATIONAL ASSOCIATION (ZION). Click either name above to swap in a different company.
KB HOME is the larger business by last-quarter revenue ($1.7B vs $891.0M, roughly 1.9× ZIONS BANCORPORATION, NATIONAL ASSOCIATION). ZIONS BANCORPORATION, NATIONAL ASSOCIATION runs the higher net margin — 29.5% vs 6.0%, a 23.5% gap on every dollar of revenue. On growth, ZIONS BANCORPORATION, NATIONAL ASSOCIATION posted the faster year-over-year revenue change (8.7% vs -15.3%). ZIONS BANCORPORATION, NATIONAL ASSOCIATION produced more free cash flow last quarter ($952.0M vs $290.1M). Over the past eight quarters, ZIONS BANCORPORATION, NATIONAL ASSOCIATION's revenue compounded faster (9.6% CAGR vs 7.4%).
KB Home is an American homebuilding company founded in 1957 as Kaufman & Broad in Detroit, Michigan. It was the first company to be traded on the New York Stock Exchange as a home builder. Its headquarters are in Los Angeles, California.
Zions Bancorporation is an American national bank headquartered in Salt Lake City, Utah. It operates as a national bank rather than as a bank holding company and does business under the following seven brands: Zions Bank, Amegy Bank of Texas, California Bank and Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and the Commerce Bank of Washington.
KBH vs ZION — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $1.7B | $891.0M |
| Net Profit | $101.5M | $263.0M |
| Gross Margin | — | — |
| Operating Margin | — | — |
| Net Margin | 6.0% | 29.5% |
| Revenue YoY | -15.3% | 8.7% |
| Net Profit YoY | -46.7% | 21.8% |
| EPS (diluted) | $1.55 | $1.77 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $1.7B | $891.0M | ||
| Q3 25 | $1.6B | $861.0M | ||
| Q2 25 | $1.5B | $838.0M | ||
| Q1 25 | $1.4B | $795.0M | ||
| Q4 24 | $2.0B | $820.0M | ||
| Q3 24 | $1.8B | $792.0M | ||
| Q2 24 | $1.7B | $777.0M | ||
| Q1 24 | $1.5B | $742.0M |
| Q4 25 | $101.5M | $263.0M | ||
| Q3 25 | $109.8M | $222.0M | ||
| Q2 25 | $107.9M | $244.0M | ||
| Q1 25 | $109.6M | $170.0M | ||
| Q4 24 | $190.6M | $216.0M | ||
| Q3 24 | $157.3M | $214.0M | ||
| Q2 24 | $168.4M | $201.0M | ||
| Q1 24 | $138.7M | $153.0M |
| Q4 25 | 6.0% | 29.5% | ||
| Q3 25 | 6.8% | 25.8% | ||
| Q2 25 | 7.1% | 29.1% | ||
| Q1 25 | 7.9% | 21.4% | ||
| Q4 24 | 9.5% | 26.3% | ||
| Q3 24 | 9.0% | 27.0% | ||
| Q2 24 | 9.9% | 25.9% | ||
| Q1 24 | 9.4% | 20.6% |
| Q4 25 | $1.55 | $1.77 | ||
| Q3 25 | $1.61 | $1.48 | ||
| Q2 25 | $1.50 | $1.63 | ||
| Q1 25 | $1.49 | $1.13 | ||
| Q4 24 | $2.50 | $1.34 | ||
| Q3 24 | $2.04 | $1.37 | ||
| Q2 24 | $2.15 | $1.28 | ||
| Q1 24 | $1.76 | $0.96 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | — | — |
| Total DebtLower is stronger | — | $1.5B |
| Stockholders' EquityBook value | $3.9B | $7.2B |
| Total Assets | $6.7B | $89.0B |
| Debt / EquityLower = less leverage | — | 0.21× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $1.5B | ||
| Q3 25 | — | $1.5B | ||
| Q2 25 | — | $970.0M | ||
| Q1 25 | — | $964.0M | ||
| Q4 24 | — | $950.0M | ||
| Q3 24 | — | $548.0M | ||
| Q2 24 | — | $546.0M | ||
| Q1 24 | — | $544.0M |
| Q4 25 | $3.9B | $7.2B | ||
| Q3 25 | $3.9B | $6.9B | ||
| Q2 25 | $4.0B | $6.6B | ||
| Q1 25 | $4.1B | $6.3B | ||
| Q4 24 | $4.1B | $6.1B | ||
| Q3 24 | $4.0B | $6.4B | ||
| Q2 24 | $4.0B | $6.0B | ||
| Q1 24 | $3.9B | $5.8B |
| Q4 25 | $6.7B | $89.0B | ||
| Q3 25 | $7.0B | $88.5B | ||
| Q2 25 | $7.0B | $88.9B | ||
| Q1 25 | $7.0B | $88.0B | ||
| Q4 24 | $6.9B | $88.8B | ||
| Q3 24 | $6.8B | $87.0B | ||
| Q2 24 | $6.8B | $87.6B | ||
| Q1 24 | $6.7B | $87.1B |
| Q4 25 | — | 0.21× | ||
| Q3 25 | — | 0.21× | ||
| Q2 25 | — | 0.15× | ||
| Q1 25 | — | 0.15× | ||
| Q4 24 | — | 0.16× | ||
| Q3 24 | — | 0.09× | ||
| Q2 24 | — | 0.09× | ||
| Q1 24 | — | 0.09× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $303.8M | $1.1B |
| Free Cash FlowOCF − Capex | $290.1M | $952.0M |
| FCF MarginFCF / Revenue | 17.1% | 106.8% |
| Capex IntensityCapex / Revenue | 0.8% | 13.6% |
| Cash ConversionOCF / Net Profit | 2.99× | 4.08× |
| TTM Free Cash FlowTrailing 4 quarters | $287.3M | $1.4B |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $303.8M | $1.1B | ||
| Q3 25 | $197.7M | $438.0M | ||
| Q2 25 | $168.4M | $-62.0M | ||
| Q1 25 | $-334.3M | $179.0M | ||
| Q4 24 | $362.6M | $1.1B | ||
| Q3 24 | $-89.9M | $119.0M | ||
| Q2 24 | $61.5M | $251.0M | ||
| Q1 24 | $28.5M | $261.0M |
| Q4 25 | $290.1M | $952.0M | ||
| Q3 25 | $185.8M | $413.0M | ||
| Q2 25 | $156.9M | $-93.0M | ||
| Q1 25 | $-345.5M | $152.0M | ||
| Q4 24 | $352.6M | $1.1B | ||
| Q3 24 | $-99.4M | $97.0M | ||
| Q2 24 | $51.2M | $234.0M | ||
| Q1 24 | $19.1M | $231.0M |
| Q4 25 | 17.1% | 106.8% | ||
| Q3 25 | 11.5% | 48.0% | ||
| Q2 25 | 10.3% | -11.1% | ||
| Q1 25 | -24.8% | 19.1% | ||
| Q4 24 | 17.6% | 128.2% | ||
| Q3 24 | -5.7% | 12.2% | ||
| Q2 24 | 3.0% | 30.1% | ||
| Q1 24 | 1.3% | 31.1% |
| Q4 25 | 0.8% | 13.6% | ||
| Q3 25 | 0.7% | 2.9% | ||
| Q2 25 | 0.8% | 3.7% | ||
| Q1 25 | 0.8% | 3.4% | ||
| Q4 24 | 0.5% | 11.8% | ||
| Q3 24 | 0.5% | 2.8% | ||
| Q2 24 | 0.6% | 2.2% | ||
| Q1 24 | 0.6% | 4.0% |
| Q4 25 | 2.99× | 4.08× | ||
| Q3 25 | 1.80× | 1.97× | ||
| Q2 25 | 1.56× | -0.25× | ||
| Q1 25 | -3.05× | 1.05× | ||
| Q4 24 | 1.90× | 5.31× | ||
| Q3 24 | -0.57× | 0.56× | ||
| Q2 24 | 0.37× | 1.25× | ||
| Q1 24 | 0.21× | 1.71× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
KBH
| Home Building | $1.7B | 99% |
| Financial Service | $8.7M | 1% |
ZION
Segment breakdown not available.
