Zions Bancorporation, N.A. ZION

63.83 1.01 1.61% as of 25 Sep
Market cap
$9.2B
P/E
8.1×
Growth Flags show if company had growth for consecutive years,
Insider Buys alert about insiders buying in the last 12 month

Insider Decisions

Total buys 0.27
Total sells 10.21
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy — — — — 1 — — — — — — —
Sell 1 — — — 7 — — 2 — 2 2 —
Insider Ownership 1.69%

Capital & Financial Ratios

Market Cap 9,170.00
Revenue 5,164.00
Net Income 1,171.00
Free Cash Flow 1,680.00
Net Debt (1,697.00)
Current Ratio 0.84
Debt/Equity 0.25
P/E ratio 8.13
P/S ratio 1.81
P/B ratio 1.23
Past 5Y EPS Growth 3.54%
This Y EPS Growth 33.27%
Next Y EPS Growth (14.38%)
Next 5Y EPS Growth 7.02%
in millions of $

Dividends

Payout Ratio 0.29
Annual Dividend Rate 1.64
Annual Dividend Yield 4.18%
total individual payouts
2028 Powerpack
2027 Powerpack
2026 1.84
0.45
0.45
0.48
2025 1.76
0.43
0.43
0.45
0.45
2024 1.66
0.41
0.41
0.41
0.43
2023 1.64
0.41
0.41
0.41
0.41
2022 1.58
0.38
0.38
0.41
0.41
2021 1.44
0.34
0.34
0.38
0.38
2020 1.36
0.34
0.34
0.34
0.34
2019 1.28
0.30
0.30
0.34
0.34
2018 1.04
0.20
0.24
0.30
0.30
2017 0.44
0.08
0.08
0.12
0.16
2016 0.28
0.06
0.06
0.08
0.08
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 3,189 4,989 4,369 3,653
Receivables — — — —
Inventory — — — —
Other — — — —
60,337 63,777 64,809 65,549
2023 2024 2025 Q'26
Payables 74,961 76,223 75,644 76,608
ST’ Debt — — — —
Other — — — —
74,961 76,223 75,644 77,827
in millions of $

Compound Annual Growth

10y 5y 3y
Sales 8.48% 10.93% 13.99%
Cash Flow 8.74% 8.34% (9.96%)
Earnings 13.74% 12.13% 0.64%
Book Value (0.45%) (1.86%) 13.64%

Revenue

Mar Jun Sep Dec Year
’26 1,183 1,479 — — —
’25 1,199 1,241 1,253 1,249 4,942
’24 1,210 1,252 1,276 1,255 4,993
’23 1,080 1,166 1,190 1,188 4,624
’22 697 780 872 988 3,337
’21 731 775 708 756 2,970
’20 756 712 738 736 2,942
in millions of $ · fiscal quarters ending in the months shown

Operating Cash Flow

Mar Jun Sep Dec Year
’26 423 422 — — —
’25 179 (62) 438 518 1,073
’24 261 251 119 517 1,148
’23 221 598 311 (245) 885
’22 288 516 172 494 1,470
’21 484 (201) 180 166 629
’20 153 245 150 171 719
in millions of $ · fiscal quarters ending in the months shown

Free Cash Flow

Mar Jun Sep Dec Year
’26 398 389 — — —
’25 152 (93) 413 480 952
’24 231 234 97 489 1,051
’23 190 576 280 (274) 772
’22 235 467 120 458 1,280
’21 431 (232) 111 113 423
’20 125 191 109 123 548
in millions of $ · fiscal quarters ending in the months shown

EPS

Mar Jun Sep Dec Year
’26 1.56 3.05 — — —
’25 1.13 1.63 1.48 1.76 6.01
’24 0.96 1.28 1.37 1.34 4.95
’23 1.33 1.11 1.13 0.78 4.35
’22 1.27 1.29 1.40 1.84 5.79
’21 1.90 2.08 1.45 1.34 6.79
’20 0.04 0.34 1.01 1.66 3.02
fiscal quarters ending in the months shown

Target Price Range

Analyst price targets

Recommendation Rating

2.8
1Buy 2 3Hold 4 5Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
19.65 38.43 38.08 39.11 23.58 42.12 45.21 18.26 37.76 39.32

Analyst estimates 2026–2028

Powerpack
Low Price
44.15 52.20 59.19 52.08 52.48 68.25 75.44 55.20 63.22 60.77
High Price
10,057 10,083 10,201 10,188 9,678 9,685 9,989 9,679 9,406 9,195
Employees
0 0 0 0 0 0 0 0 1 1
Revenue/Emp
2,470 2,736 3,033 3,245 2,942 2,970 3,337 4,624 4,993 4,942
Revenue
96.48% 95.36% 91.72% 87.33% 94.83% 98.01% 94.46% 67.37% 62.69% 68.49%
Gross Margin
705 936 1,143 1,053 672 1,446 1,152 886 1,012 1,175
EBT
28.54% 34.21% 37.69% 32.45% 22.84% 48.69% 34.52% 19.16% 20.27% 23.78%
EBT Margin
469 592 884 816 539 1,129 907 680 784 899
Net Income
123 179 193 188 86 (14) 110 140 124 116
Depreciation
12.12 13.63 15.67 18.44 17.97 18.57 22.24 31.30 33.92 33.59
Revenue/Sh
2.00 2.71 4.36 4.41 3.06 6.80 5.80 4.35 4.95 6.01
Earnings/Sh
2.92 4.62 6.07 3.96 4.39 3.93 9.80 5.99 7.80 7.29
Cash Flow/Sh
(0.96) (0.84) (0.67) (0.66) (1.04) (1.29) (1.27) (0.76) (0.66) (0.82)
Capex/Sh
1.96 3.78 5.41 3.30 3.35 2.65 8.53 5.23 7.14 6.47
Free CF/Sh
37.45 38.25 39.14 41.78 48.16 46.67 32.61 38.52 41.60 48.81
Book Value/Sh
204 201 194 176 164 160 150 148 147 147
Shares
21.59 18.71 9.34 11.77 14.24 9.33 8.36 10.15 10.96 9.76
PE Ratio
3.56 3.72 2.60 2.82 2.42 3.40 2.18 1.41 1.60 1.74
PS Ratio
1.27 1.43 1.12 1.35 0.97 1.44 1.63 1.24 1.32 1.21
PB Ratio
2.97 4.95 3.78 3.33 0.81 (0.46) 4.03 1.78 1.56 1.16
EV/Sales
18.33 17.85 10.95 18.62 4.33 (3.23) 10.51 10.69 7.40 6.00
EV/FCF
596 928 1,176 697 719 629 1,470 885 1,148 1,073
Op' Cash Flow
(196) (169) (129) (117) (171) (206) (190) (113) (97) (121)
Capex
400 759 1,047 580 548 423 1,280 772 1,051 952
FCF
(8,151) (6,323) (4,989) (6,628) (9,225) (18,985) (11,678) (14,624) (12,446) (10,835)
Working Cap'
1,362 5,359 6,377 3,776 2,908 1,915 11,068 4,921 4,782 4,576
Total Debt
(1,469) 3,367 3,577 1,662 (4,740) (11,468) 6,180 1,732 (207) 207
Net Debt
7,634 7,679 7,578 7,353 7,886 7,463 4,893 5,691 6,124 7,180
Sh' Equity
0.67% 0.85% 1.26% 1.13% 0.67% 1.26% 0.96% 0.73% 0.84% 1.01%
ROA
7.15% 5.30% 6.40% 7.30% 13.35% 0.00% 6.50% 7.46% 10.69% 9.94%
ROIC
6.04% 7.84% 12.04% 11.33% 7.16% 15.34% 15.30% 13.36% 13.03% 13.59%
ROE
predictions in italic, sparklines do not include predictions

All 10 years →

Fiscal years to Dec 2025 · latest quarter Jun 2026

Zions Bancorporation, N.A. (ZION) key facts

  • Zions Bancorporation, N.A. (ZION) is a Banks Regional company in the Financial sector, listed on Nasdaq.
  • Zions Bancorporation, N.A.’s revenue for fiscal 2025 (year ended December 2025) was $4.9 billion, down 1.02% from fiscal 2024.
  • As of September 25, 2026, ZION traded at $63.83, a market capitalization of $9.2 billion.
  • Zions Bancorporation, N.A. pays an annual dividend of $1.64 per share, a yield of 4.18%, with a payout ratio of 28.9%.
  • Return on equity was 13.6% and debt-to-equity 0.25.

Source: company filings (standardised) and stockrow calculations.

Zions Bancorporation, N.A. (ZION) Latest News

News by impact score

Fine-tune

16 Sep

3

Zions Capital Markets appoints Vince Toye to lead its newly acquired agency multifamily lending platform. Leadership appointment for acquired multifamily lending platform supports targeted business expansion without altering core trajectory.

2 Sep

3

Zions Bancorporation reported Q2 earnings results that prompt buy, sell or hold analysis based on financial metrics, revenue trends and market positioning. Q2 earnings update offers moderate insight into near-term financials without signaling major strategic or competitive shifts.

3 Aug

3

Zions Bancorporation faces questions over its ability to sustain enhanced capital returns to shareholders. Capital return sustainability directly affects investor views on bank financial strength and stock performance.

3

Zions Bancorporation completes acquisition of Fannie Mae and Freddie Mac multifamily business line from Basis Investment Group. Acquisition expands Zions multifamily lending operations under Fannie Mae and Freddie Mac programs.

27 Jul

3

Flagstar Bank shares declined after missing Q2 earnings estimates, with fee income falling year over year. Q2 earnings miss combined with lower fee income points to weaker operating results that can pressure near-term stock performance.

21 Jul

3 transcript

Zions Bancorporation, National Association held its Q2 2026 earnings call covering quarterly financial results, performance metrics, and management outlook. Quarterly earnings calls typically move stock prices through updated guidance and results but rarely transform long-term strategy.

3

Zions Bancorporation reported Q2 earnings with analysis of key financial metrics. Q2 earnings and metrics release offers performance data likely to influence near-term stock sentiment without major strategic shifts.

3

Zions Bancorp NA reported strong Q2 2026 earnings supported by strategic growth initiatives. Positive earnings and growth plans will moderately lift near-term investor sentiment and share performance.

20 Jul

3 transcript

Zions Bancorporation reported Q2 financial results and management commentary on operations, credit trends, and outlook during its earnings call. Quarterly earnings details and guidance can shift near-term stock sentiment and valuation but rarely alter long-term company trajectory.

3

Zions Bancorporation reported Q2 earnings with emphasis on key operational and financial metrics. Quarterly earnings metrics typically drive short-term share price moves and investor views without major strategic change.

3

Zions Bancorporation reported impressive Q2 CY2026 results. Strong quarterly earnings can lift near-term stock sentiment and valuation without shifting long-term strategy.

3 earnings

Zions Bancorporation, National Association reported its second quarter financial results. Quarterly earnings releases deliver financial metrics that can moderately shift stock valuation and sentiment.

18 Jul

3

Zions Bancorporation earnings release will feature key performance indicators and analyst expectations for upcoming results. Earnings preview offers moderate insight into near-term financial results without signaling major strategic shifts.

3

Zions Bancorporation National Association (ZION) reports earnings while undergoing a board change, prompting questions on whether the stock is fully valued. Earnings release plus board change may shift near-term sentiment and governance without fundamentally redefining strategy.

13 Jul

3

Zions Bancorporation (ZION) is projected to beat earnings estimates, raising investor questions on whether to buy shares. Earnings beat expectations can moderately lift near-term stock sentiment and valuation for Zions.

15 Jun

4

Zions Bancorporation, N.A. acts as a key financial bellwether whose strength supports a market or operational breakout with direct implications for its performance. Zions Bancorporation's bellwether status and breakout signal major strategic and market shifts that alter its trajectory and investor outlook.

7 Jun

3

Zions Bancorporation faces a shifting narrative after analysts issue new price targets and a revised fair value estimate. Updated price targets and fair value estimates may influence short-term investor sentiment without fundamentally changing company operations.

27 May

3

Columbia Banking's 2026 outlook centers on net interest margin trends, fee income projections, and loan portfolio adjustments with direct relevance to Zions Bancorporation positioning and forecasts. Forward-looking metrics on margins, fees and loans point to noticeable but not transformative effects on Zions Bancorporation operations and investor views.

3 May

4

Zions Bancorporation (ZION) expands 2026 share buybacks and reinforces dividend payouts, drawing positive investor reactions. Expanding buybacks to 2026 and reinforcing dividends signals financial confidence and boosts shareholder value significantly.

1 May

4

Zions Bancorporation's board approved a share repurchase program and declared dividends on common and preferred stock. Share repurchase approval and dividend declarations signal financial confidence, boost EPS, and positively influence investor sentiment and stock performance.

27 Apr

3

Top 5 analyst questions from Zions Bancorporation’s Q1 earnings call focus on key investor concerns about performance, outlook, deposits, loans, and net interest margins. Analyst questions from Q1 earnings call highlight concerns in financial metrics that may moderately influence ZION's market sentiment and trajectory.

21 Apr

4 transcript

Zions Bancorporation (ZION) Q1 2026 earnings call transcript details quarterly financial results, management discussion, and forward guidance. Earnings call transcript reveals quarterly financials and strategic outlook directly impacting stock performance and investor expectations.

4

Zions Bancorporation beat Q1 earnings estimates due to higher net interest income, fee income, and a provision benefit. Q1 earnings beat from elevated NII, fees, and provision benefit significantly boosts financial results and investor sentiment.

4

Zions Bancorporation, National Association released Q1 2026 earnings call summary highlighting financial results, strategic updates, and forward guidance. Q1 2026 earnings call summary discloses key financial metrics and outlook that significantly influence stock performance and investor sentiment.

4

Zions Bancorp NA (ZION) Q1 2026 earnings call highlights strong earnings growth despite margin pressures. Strong Q1 2026 earnings growth signals major boost to ZION's financial performance and investor sentiment.

3

Zions Bancorporation (ZION) Q1 results feature fee income expansion and deposit growth, positively shaping future outlook. Fee income expansion and deposit growth moderately boost ZION's financial performance and market sentiment without fundamentally altering trajectory.

20 Apr

4

Zions Bancorp reported higher first-quarter profit. Higher first-quarter profit demonstrates improved financial results, significantly impacting market performance and investor sentiment.

4

Zions Bancorporation (ZION) Q1 earnings key metrics compared to analyst estimates. Q1 earnings metrics versus estimates significantly influence ZION's stock trajectory and investor sentiment.

3

Zions Bancorporation, N.A. Q1 earnings call highlights solid net income growth, stable deposits, improved net interest margin, controlled expenses, and optimistic full-year guidance amid economic uncertainties. Q1 financial results and management outlook moderately influence Zions Bancorporation's near-term performance and investor sentiment.

3

Zions Bancorporation (ZION) Q1 earnings topped analyst estimates. Q1 earnings beat signals stronger financial performance with moderate positive effect on market sentiment and trajectory.

stockrow.com/ZION · Data as of Jun 30, 2026 · For information only; not investment advice. · © 2026 stockrow.com