Zions Bancorporation, National Association ZION
Company Overview
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 Washington segments. It offers commercial and small business banking services to small- and medium-sized businesses, such as commercial, industrial, and owner-occupied lending and leasing; municipal and public finance services; depository account and cash management services; commercial and small business cards; merchant processing services; corporate trust services; and correspondent banking and international lending services. The company also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, mergers and acquisitions advisory services, advisory and capital raising, commercial mortgage-backed security conduit lending, and power and project financing; and commercial real estate lending services consisting of term and construction/land development financing for commercial and residential purposes. In addition, it offers retail banking services comprising residential mortgages lending, home equity lines of credit, personal lines of credit, installment consumer loans, depository account services, consumer cards, and personal trust services; and wealth management services consisting of investment management, fiduciary and estate, and advanced business succession and estate planning services. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.
Why Investors Should Care
Generates a return on equity of 16.4%, reflecting efficient use of shareholder capital.
Trades at a P/E of 8.9, below the sector median of 13.7.
Maintains a net profit margin of 31.8%.
Offers a dividend yield of 2.75%.
Generates positive free cash flow, funding growth and shareholder returns internally.
Recent Developments
- Dec 2025 Revenue of $3.38B (+8.1% YoY); net profit $899.00M.
- Trailing 12 Months Year-on-year growth — revenue +35.2%, earnings +87.1%.
- 5-Year Trend Long-term compounding — revenue CAGR 2.4%, profit CAGR -0.3%.
Growth & Price Performance
Compounded Sales Growth
| 5 Years: | 2.41% |
| 1 Year: | 35.20% |
Compounded Profit Growth
| 5 Years: | -0.29% |
| 1 Year: | 87.10% |
Stock Price Performance
| 1 Year: | +38.15% |
| 6 Months: | +19.02% |
| 3 Months: | +10.74% |
| 1 Month: | -1.41% |
Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.
- Price vs 50-DMAAbove
- Price vs 200-DMAAbove
- RSI (14)52.50 · Neutral
P/E of 8.88 is below the sector median of 13.68 — relatively cheaper than peers.
Auto-generated from price history and fundamentals; not investment advice.
Price Chart
Technical Trend
Computed from daily close history using EMA cross, slope, and RSI signals.
Note: intraday data is not stored locally. “Hourly” uses the most recent 10 daily candles as a short-term proxy.
Fundamental Growth Charts
No fundamental data available for this stock.
Interactive charts for Revenue, Net Income, EBITDA, Free Cash Flow, EPS, ROE, ROCE, Gross/Net/Operating Margin and more — switch metric and period using the dropdowns above. CAGR is computed across the displayed window (quarterly CAGR is annualised). Visual growth charts make it easy to spot multi-year compounding trends at a glance — far faster than reading raw numbers in a table.
PROS
- Excellent profit margin of 31.8%.
- Attractive dividend yield of 2.75%.
- Generates positive free cash flow.
- In a confirmed uptrend (50-DMA above 200-DMA).
CONS
- Earnings shrank at -0.3% CAGR over 5 years.
* The pros and cons are auto-generated from financial metrics.
Valuation
Growth (CAGR)
Profitability & Returns
Balance Sheet & Liquidity
Ownership
Financial Snapshot
Peer comparison
Peer companies in the same sector (Financial Services).
| # | Name | CMP $ | P/E | Mkt Cap | Div Yld % | ROCE % | ROE % | Rev CAGR 5Y % | Profit CAGR 5Y % |
|---|---|---|---|---|---|---|---|---|---|
| 1 | ZION Zions Bancorporation, National Association | 69.70 | 8.88 | $10.17B | 2.75% | - | 16.40% | 2.41% | -0.29% |
| 2 | JPM JPMorgan Chase & Co. SPX | 351.79 | 16.85 | $942.63B | 1.87% | - | 16.47% | 5.35% | 7.56% |
| 3 | BRK-B Berkshire Hathaway Inc. SPX | 511.54 | 15.23 | $715.29B | 0.00% | - | 10.50% | 4.18% | 9.44% |
| 4 | V Visa Inc. SPX | 366.13 | 31.95 | $607.67B | 0.75% | 37.15% | 60.35% | 14.33% | 13.04% |
| 5 | MA Mastercard Incorporated SPX | 573.10 | 33.18 | $502.63B | 0.65% | 60.19% | - | 12.29% | 19.21% |
| 6 | BAC Bank of America Corporation SPX | 61.95 | 15.37 | $434.76B | 1.88% | - | 10.64% | 6.00% | 3.49% |
| 7 | MS Morgan Stanley SPX | 210.42 | 19.06 | $331.89B | 1.76% | - | 16.39% | 3.76% | 9.66% |
| 8 | GS The Goldman Sachs Group, Inc. SPX | 1,018.38 | 15.73 | $300.43B | 1.58% | - | 16.95% | - | 2.21% |
| 9 | WFC Wells Fargo & Company SPX | 86.45 | 13.36 | $264.55B | 2.11% | - | 12.03% | 4.02% | 15.98% |
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios
Quarterly Results
Figures in USD.
| Metric | Dec 2024 | Mar 2025 | Jun 2025 | Sep 2025 | Dec 2025 | Mar 2026 | Jun 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | - | 795.00M | 838.00M | 861.00M | 891.00M | 849.00M | - |
| Cost of Revenue | - | - | - | - | - | - | - |
| Gross Profit | - | - | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - | - | - |
| Operating Income | - | - | - | - | - | - | - |
| EBITDA | - | - | - | - | - | - | - |
| Interest Expense | - | 404.00M | 403.00M | 392.00M | 358.00M | 334.00M | - |
| Pretax Income | - | 239.00M | 312.00M | 285.00M | 339.00M | 294.00M | - |
| Tax Provision | - | 69.00M | 68.00M | 63.00M | 76.00M | 61.00M | - |
| Net Income | - | 170.00M | 244.00M | 222.00M | 263.00M | 233.00M | - |
| Diluted EPS | - | - | 1.63 | 1.48 | 1.76 | 1.56 | 3.05 |
Profit & Loss (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Revenue | - | 3.15B | 3.12B | 3.13B | 3.38B |
| Cost of Revenue | - | - | - | - | - |
| Gross Profit | - | - | - | - | - |
| Operating Expenses | - | - | - | - | - |
| Operating Income | - | - | - | - | - |
| EBITDA | - | - | - | - | - |
| Interest Expense | - | 185.00M | 1.51B | 1.86B | 1.56B |
| Pretax Income | - | 1.15B | 886.00M | 1.01B | 1.18B |
| Tax Provision | - | 245.00M | 206.00M | 228.00M | 276.00M |
| Net Income | - | 907.00M | 680.00M | 784.00M | 899.00M |
| Diluted EPS | - | 5.79 | 4.35 | 4.95 | 6.01 |
Balance Sheet (Annual)
Figures in USD.
| Metric | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|
| Total Assets | 89.55B | 87.20B | 88.78B | 88.99B |
| Current Assets | - | - | - | - |
| Cash & Equivalents | 2.00B | 2.20B | 3.50B | 2.88B |
| Inventory | - | - | - | - |
| Receivables | 386.00M | 383.00M | 377.00M | 367.00M |
| Total Liabilities | 84.65B | 81.51B | 82.65B | 81.81B |
| Current Liabilities | - | - | - | - |
| Long Term Debt | 647.00M | 538.00M | 946.00M | 1.47B |
| Total Debt | 7.75B | 2.07B | 3.48B | 3.47B |
| Total Equity | 4.89B | 5.69B | 6.12B | 7.18B |
| Shares Outstanding | 148.66M | 148.15M | 147.87M | 147.65M |
Cash Flows (Annual)
Figures in USD.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Operating Cash Flow | - | 1.47B | 885.00M | 1.15B | 1.07B |
| Investing Cash Flow | - | 1.41B | 2.37B | -1.64B | 738.00M |
| Financing Cash Flow | - | -2.81B | -3.20B | 427.00M | -1.78B |
| Capital Expenditure | - | -190.00M | -113.00M | -97.00M | -121.00M |
| Free Cash Flow | - | 1.28B | 772.00M | 1.05B | 952.00M |
| Net Change in Cash | - | 62.00M | 59.00M | -65.00M | 32.00M |
Ratios (Annual)
Figures in %.
| Metric | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 |
|---|---|---|---|---|---|
| Gross Margin % | - | - | - | - | - |
| Operating Margin % | - | - | - | - | - |
| Net Margin % | - | 28.8% | 21.8% | 25.0% | 26.6% |
| ROE % | - | 18.5% | 11.9% | 12.8% | 12.5% |
| ROCE % | - | - | - | - | - |
Shareholding Pattern
Top Institutional Holders
| # | Holder | % Held | Shares | Value |
|---|---|---|---|---|
| 1 | Blackrock Inc. | 9.53% | 14.02M | $977.23M |
| 2 | Vanguard Portfolio Management LLC | 7.38% | 10.86M | $756.63M |
| 3 | Dimensional Fund Advisors LP | 5.08% | 7.48M | $521.16M |
| 4 | Vanguard Capital Management LLC | 4.49% | 6.60M | $459.90M |
| 5 | State Street Corporation | 4.00% | 5.88M | $410.05M |
| 6 | LSV Asset Management | 2.66% | 3.91M | $272.55M |
| 7 | Morgan Stanley | 2.08% | 3.06M | $213.26M |
| 8 | Geode Capital Management, LLC | 2.06% | 3.03M | $211.46M |
| 9 | Fiduciary Management, Inc. | 1.90% | 2.79M | $194.32M |
| 10 | Fuller & Thaler Asset Management Inc. | 1.76% | 2.59M | $180.81M |
Analyst View
Analyst aggregate. Targets and ratings update periodically; not investment advice.
Latest News
Recent headlines for ZION
ZION — Frequently Asked Questions
What is the current share price of Zions Bancorporation, National Association (ZION)?
As of 2026-08-02 19:16 PDT, Zions Bancorporation, National Association (ZION) trades at $69.70 on NasdaqGS. Its 52-week range is $45.85 to $73.31.
What is the market capitalisation of ZION?
Zions Bancorporation, National Association (ZION) has a market capitalisation of $10.17B on NasdaqGS.
What is the P/E ratio of ZION?
ZION trades at a trailing price-to-earnings (P/E) ratio of 8.88. The industry average P/E is 13.68. Its price-to-book (P/B) ratio is 1.45.
Does ZION pay a dividend?
Zions Bancorporation, National Association (ZION) currently offers a dividend yield of 2.75%.
What is the return on equity (ROE) of ZION?
ZION has a return on equity (ROE) of 16.40%.
Is ZION a good stock to buy?
This page provides a data-driven analysis of Zions Bancorporation, National Association (ZION), including valuation ratios, profitability, growth trends, auto-generated pros and cons, peer comparison and AI exposure. Review these fundamentals alongside your own research and risk tolerance. This is informational content, not investment advice.