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Zions Bancorporation, National Association ZION R3KFINANCIAL

Financial Services · Banks - Regional · United States
https://www.zionsbancorporation.com
Company Profile ↓
$65.47
+18.57% 1Y
Mkt Cap$9.56B
P/E8.34
P/B1.46
Div. Yield2.72%
52W High$72.82
52W Low$45.54
Book Value$48.18
EPS (TTM)$7.85

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

Strong Return on Equity

Generates a return on equity of 16.4%, reflecting efficient use of shareholder capital.

Steady Revenue Expansion

Revenue has grown at a 42.0% CAGR over the past five years.

Reasonable Valuation

Trades at a P/E of 8.3, below the sector median of 13.8.

Healthy Margins

Maintains a net profit margin of 31.8%.

Dividend Income

Offers a dividend yield of 2.72%.

Positive Free Cash Flow

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 42.0%, profit CAGR 2.0%.

Growth & Price Performance

Compounded Sales Growth

5 Years:42.05%
1 Year:35.20%

Compounded Profit Growth

5 Years:1.96%
1 Year:87.10%

Stock Price Performance

1 Year:+18.57%
6 Months:+22.94%
3 Months:-1.23%
1 Month:-8.54%

Highlights auto-generated from reported financials and price data; not investment advice. Verify with official filings before acting.

Technical Snapshot Mixed
52-Week Range 73% of range
$45.54 $72.82
Trend Signals
  • Price vs 50-DMABelow
  • Price vs 200-DMAAbove
  • RSI (14)35.66 · Neutral
Price Performance
1M-8.54%
3M-1.23%
6M+22.94%
1Y+18.57%
Valuation vs Sector

P/E of 8.34 is below the sector median of 13.82 — relatively cheaper than peers.

Auto-generated from price history and fundamentals; not investment advice.

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Price Chart

Robinhood TradingView

Fundamental Growth Charts

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%.
  • Compounding revenue at 42.0% over 5 years.
  • Attractive dividend yield of 2.72%.
  • Generates positive free cash flow.
  • In a confirmed uptrend (50-DMA above 200-DMA).

CONS

No notable concerns flagged.

* The pros and cons are auto-generated from financial metrics.

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Valuation

Stock P/E
8.34
Industry PE
13.82
Forward P/E
9.63
PEG Ratio
4.62
Book Value
$48.18
Price to Book
1.46
P/S
2.78
EV/EBITDA
-
Dividend Yield
2.72%

Growth (CAGR)

Revenue 5Y
42.05%
Profit 5Y
1.96%
Revenue (YoY)
35.20%
Earnings (YoY)
87.10%

Profitability & Returns

ROCE
-
ROE
16.40%
ROA
1.32%
Profit Margin
31.76%
Op Margin
52.12%
Gross Margin
0.00%
EPS (Latest Qtr)
$3.05
EPS (TTM)
$7.85

Balance Sheet & Liquidity

Debt/Equity
0.48
Quick Ratio
-
Current Ratio
-
Debt
$3.18B
Total Assets
$89.04B
Current Assets
-
Working Capital
-

Ownership

Promoter Holding
1.27%
Chg in Prom Hold
-0.02%
FII / Inst Holding
84.84%
Chg in FII Hold
0.01%

Financial Snapshot

Enterprise Value
$9.56B
Total Revenue (TTM)
$3.69B
EBITDA
-
Free Cash Flow
$952.00M
Operating Cash Flow
$1.07B
Shares Outstanding
145.95M
Gross Margin
0.00%
Payout Ratio
22.93%

Peer comparison

Peer companies in the same sector (Financial Services).

#NameCMP $P/E Mkt CapDiv Yld % ROCE %ROE % Rev CAGR 5Y %Profit CAGR 5Y %
1 ZION Zions Bancorporation, National Association R3KFINANCIAL 65.47 8.34 $9.56B 2.72% - 16.40% 42.05% 1.96%
2 JPM JPMorgan Chase & Co. SPXR3KFINANCIAL 348.92 14.95 $927.50B 1.68% - 17.79% 12.50% 14.83%
3 BRK-B Berkshire Hathaway Inc. SPXFINANCIAL 519.80 13.07 $731.90B 0.00% - 12.12% 4.18% 9.44%
4 V Visa Inc. SPXR3KFINANCIAL 370.93 31.60 $632.11B 0.72% 37.15% 61.19% 14.33% 13.04%
5 MA Mastercard Incorporated SPXR3KFINANCIAL 567.75 31.20 $493.64B 0.60% 60.19% - 12.29% 19.21%
6 BAC Bank of America Corporation SPXR3KFINANCIAL 57.90 13.37 $404.88B 2.04% - 11.20% 3.14% 4.27%
7 BRK-A Berkshire Hathaway Inc. FINANCIAL 780,297.00 13.08 $381.14B 0.00% - 12.12% 7.60% 10.02%
8 HSBC HSBC Holdings plc FINANCIAL 100.84 14.41 $345.84B 3.62% - 13.10% 9.75% 12.72%
9 MS Morgan Stanley SPXR3KFINANCIAL 202.42 16.35 $318.20B 2.15% - 17.97% 3.76% 9.66%
Financial Statements Quarterly Results · Profit & Loss · Balance Sheet · Cash Flows · Ratios

Quarterly Results

Figures in USD.

Metric Sep 2016Dec 2016Mar 2017Jun 2017Sep 2017Dec 2017Mar 2018Jun 2018Sep 2018Dec 2018Mar 2019Jun 2019Sep 2019Dec 2019Mar 2020Jun 2020Sep 2020Dec 2020Mar 2021Jun 2021Sep 2021Dec 2021Mar 2022Jun 2022Sep 2022Dec 2022Mar 2023Jun 2023Sep 2023Dec 2023Mar 2024Jun 2024Sep 2024Dec 2024Mar 2025Jun 2025Sep 2025Dec 2025Mar 2026Jun 2026
Revenue ------------106.00M-104.00M94.00M101.00M-102.00M111.00M116.00M-124.00M123.00M123.00M-124.00M128.00M126.00M-124.00M126.00M128.00M-795.00M838.00M861.00M891.00M849.00M-
Cost of Revenue ----------------------------------------
Gross Profit ----------------------------------------
Operating Expenses ----------------------------------------
Operating Income ----------------------------------------
EBITDA ----------------------------------------
Interest Expense ----------------------------------404.00M403.00M392.00M358.00M334.00M-
Pretax Income ----------------------------------239.00M312.00M285.00M339.00M294.00M-
Tax Provision ----------------------------------69.00M68.00M63.00M76.00M61.00M-
Net Income ----------213.00M198.00M222.00M183.00M14.00M66.00M175.00M284.00M322.00M354.00M240.00M213.00M203.00M203.00M217.00M284.00M204.00M175.00M175.00M126.00M153.00M201.00M214.00M-170.00M244.00M222.00M263.00M233.00M-
Diluted EPS 0.570.600.610.730.720.541.080.881.041.081.040.991.170.970.040.341.011.661.902.081.451.341.271.291.401.841.331.111.130.780.961.281.37--1.631.481.761.563.05

Profit & Loss (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Revenue ----------412.00M414.00M402.00M-3.15B3.12B3.13B3.38B
Cost of Revenue ------------------
Gross Profit ------------------
Operating Expenses ------------------
Operating Income ------------------
EBITDA ------------------
Interest Expense --------------185.00M1.51B1.86B1.56B
Pretax Income --------------1.15B886.00M1.01B1.18B
Tax Provision --------------245.00M206.00M228.00M276.00M
Net Income -266.27M-1.22B-292.73M323.80M349.52M263.79M326.57M247.00M411.00M550.00M884.00M816.00M539.00M-907.00M680.00M784.00M899.00M
Diluted EPS -2.68-9.92-2.480.830.971.581.681.201.992.604.084.163.02-5.794.354.956.01

Balance Sheet (Annual)

Figures in USD.

Metric Dec 2007Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Total Assets --51.12B51.03B53.15B55.51B56.03B57.21B59.66B63.24B66.29B68.75B69.17B81.48B93.20B89.55B87.20B88.78B88.99B
Current Assets -------------------
Cash & Equivalents ---------------2.00B2.20B3.50B2.88B
Inventory -------------------
Receivables ---------------386.00M383.00M377.00M367.00M
Total Liabilities --45.41B44.39B46.17B49.46B49.57B49.84B52.16B55.60B58.61B61.17B61.82B73.59B85.74B84.65B81.51B82.65B81.81B
Current Liabilities -------------------
Long Term Debt --2.03B1.94B1.95B2.34B2.27B1.09B812.37M535.00M383.00M724.00M1.72B1.34B1.01B647.00M538.00M946.00M1.47B
Total Debt ---------------7.75B2.07B3.48B3.47B
Total Equity 5.32B6.53B5.69B6.65B6.99B6.05B6.46B7.37B7.51B7.63B7.68B7.58B7.35B7.89B7.46B4.89B5.69B6.12B7.18B
Shares Outstanding ---------------148.66M148.15M147.87M147.65M

Cash Flows (Annual)

Figures in USD.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Operating Cash Flow 1.18B1.06B1.47B1.07B736.20M835.11M380.34M464.00M596.00M928.00M1.18B697.00M719.00M-1.47B885.00M1.15B1.07B
Investing Cash Flow -3.08B3.64B-1.94B-2.46B-1.88B-1.35B-1.27B-2.58B-3.44B-3.92B-2.71B375.00M-12.20B-1.41B2.37B-1.64B738.00M
Financing Cash Flow 1.52B-4.81B18.64M1.70B1.76B-150.33M557.11M2.07B2.78B2.80B1.60B-981.00M11.32B--2.81B-3.20B427.00M-1.78B
Capital Expenditure -102.02M-97.14M79.07M-77.67M-68.89M-88.58M-175.80M-157.00M-196.00M-169.00M-129.00M-117.00M-171.00M--190.00M-113.00M-97.00M-121.00M
Free Cash Flow 1.08B961.33M1.55B991.08M667.30M746.53M204.54M307.00M400.00M759.00M1.05B580.00M548.00M-1.28B772.00M1.05B952.00M
Net Change in Cash --------------62.00M59.00M-65.00M32.00M
Share Buybacks ------5.59M7.00M97.00M321.00M672.00M1.10B76.00M800.00M202.00M51.00M36.00M41.00M
Dividends Paid 195.68M96.27M-109.32M156.13M133.58M119.66M96.13M108.00M108.00M129.00M236.00M260.00M259.00M261.00M269.00M282.00M289.00M267.00M

Ratios (Annual)

Figures in %.

Metric Dec 2008Dec 2009Dec 2010Dec 2011Dec 2012Dec 2013Dec 2014Dec 2015Dec 2016Dec 2017Dec 2018Dec 2019Dec 2020Dec 2021Dec 2022Dec 2023Dec 2024Dec 2025
Gross Margin % ------------------
Operating Margin % ------------------
Net Margin % ----------214.6%197.1%134.1%-28.8%21.8%25.0%26.6%
ROE % -4.1%-21.4%-4.4%4.6%5.8%4.1%4.4%3.3%5.4%7.2%11.7%11.1%6.8%-18.5%11.9%12.8%12.5%
ROCE % ------------------

Shareholding Pattern

Insiders
1.27%
Institutions
84.84%
Public Float
85.93%

Top Institutional Holders

#Holder% HeldSharesValue
1 Blackrock Inc. 9.73% 14.20M $962.23M
2 Vanguard Portfolio Management LLC 7.61% 11.11M $752.88M
3 Dimensional Fund Advisors LP 5.24% 7.64M $518.14M
4 Vanguard Capital Management LLC 4.54% 6.63M $449.55M
5 State Street Corporation 4.06% 5.93M $401.88M
6 LSV Asset Management 2.64% 3.86M $261.56M
7 Geode Capital Management, LLC 2.10% 3.06M $207.42M
8 Morgan Stanley 2.08% 3.04M $206.08M
9 Two Sigma Investments, LP 1.91% 2.79M $189.41M
10 Fuller & Thaler Asset Management Inc. 1.82% 2.65M $179.60M

Analyst View

Loading analyst coverage…

Latest News

Recent headlines for ZION

Yahoo Finance Wed, 16 Sep 2026

ZIONS CAPITAL MARKETS APPOINTS VINCE TOYE TO LEAD NEWLY ACQUIRED AGENCY MULTIFAMILY LENDING PLATFORM

Zions Capital Markets, a subsidiary of Zions Bancorporation, N.A. (Nasdaq: ZION), has appointed Vince Toye as Managing Director, Head of Agency Multifamily Lending, following the close of its acquisition of the agency lending platform of Ba…

Yahoo Finance Wed, 02 Sep 2026

Zions Bancorporation (ZION): Buy, Sell, or Hold Post Q2 Earnings?

Zions Bancorporation trades at $65.89 and has moved in lockstep with the market. Its shares have returned 13.3% over the last six months while the S&P 500 has gained 11.8%.

Yahoo Finance ue, 01 Sep 2026

ZIONS BANCORPORATION TO PRESENT AT THE BARCLAYS GLOBAL FINANCIAL SERVICES CONFERENCE

Harris Simmons, Chairman and CEO of Zions Bancorporation, N.A. (NASDAQ: ZION), will present at the Barclays Global Financial Services Conference, Tuesday, September 15 at 12:00 pm Eastern. An audio webcast of the session may be accessed on …

Yahoo Finance Mon, 03 Aug 2026

Is Zions Well-Positioned to Sustain Enhanced Capital Returns?

ZION raises its quarterly dividend and expands its share repurchase program, backed by strong capital levels and strategic growth initiatives.

Yahoo Finance Mon, 03 Aug 2026

ZIONS BANCORPORATION COMPLETES ACQUISITION OF FANNIE MAE AND FREDDIE MAC MULTIFAMILY BUSINESS LINE FROM BASIS INVESTMENT GROUP

Zions Bancorporation, National Association (NASDAQ: ZION) today announced it has completed its previously announced acquisition of the agency lending platform of Basis Multifamily Finance I, LLC, a subsidiary of Basis Investment Group, LLC,…

Yahoo Finance Sat, 01 Aug 2026

Zions (ZION) Stock Trades At A Discount To Earnings After A 105% Run

Zions Bancorporation National Association has more than doubled shareholders' money over the past three years, yet its current checks still flag the stock as leaning cheap rather than fully priced in. With the share price around US$69.70 an…

ZION — Frequently Asked Questions

What is the current share price of Zions Bancorporation, National Association (ZION)?

As of 2026-09-16 18:39 PDT, Zions Bancorporation, National Association (ZION) trades at $65.47 on NasdaqGS. Its 52-week range is $45.54 to $72.82.

What is the market capitalisation of ZION?

Zions Bancorporation, National Association (ZION) has a market capitalisation of $9.56B on NasdaqGS.

What is the P/E ratio of ZION?

ZION trades at a trailing price-to-earnings (P/E) ratio of 8.34. The industry average P/E is 13.82. Its price-to-book (P/B) ratio is 1.46.

Does ZION pay a dividend?

Zions Bancorporation, National Association (ZION) currently offers a dividend yield of 2.72%.

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.

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