Zions Bancorporation N.A. - Depositary Shares each representing a 1/40th ownership interest in a share of Series A Floating-Rate Non-Cumulative Perpetual Prefer

Zions Bancorporation N.A. - Depositary Shares each representing a 1/40th ownership interest in a share of Series A Floating-Rate Non-Cumulative Perpetual Prefer

62.00
EUR
+0.50
(+0.81%)
8.10EPS
7.49P/E
2.31BMarket Cap
Jan 26Next Earn
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
15.24
13.68
11.07
12.33
15.6
16.43
18.08
20.85
20.69
22.48
23.27
22.01
27.02
29.57
Basic EPS, GAAP
1.26
2.06
1.32
2.18
3.3
5.02
4.99
3.77
7.82
6.26
4.84
5.22
7.15
9.23
Free Cash Flow per Basic Share
5.6
1.29
1.64
2.07
4.54
6.18
3.7
4.1
3.01
9.13
5.77
7.39
7.6
13.29
Dividend per Share
0.9
0.61
0.58
0.56
0.77
1.39
1.66
1.94
1.86
1.92
2.11
2.03
2.13
2.15
Book Value per Share
112.86
119.68
124.72
130.14
137.45
142.71
156.95
170.28
176.8
114.33
135.29
156.38
183.91
199.17
Tangible Book Value per Share
91.15
100.14
105.48
110.93
117.82
122.05
133.5
146.64
151.25
86.99
108
129.22
155.7
170.77
Basic Weighted Avg Shares
133
159
187
193
167
169
157
134
141
140
134
142
125
126
Sales/Revenue/Turnover
2,034
2,173
2,072
2,383
2,609
2,782
2,834
2,790
2,911
3,152
3,115
3,130
3,385
3,738
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
131
58
86
123
179
193
188
86
-14
110
140
124
116
116
Net Income, GAAP
264
398
309
469
592
884
816
539
1,129
907
680
784
899
1,171
Effective Tax Rate (%)
35.18
35.88
31.49
33.48
36.75
22.66
22.51
19.79
21.92
21.27
23.25
22.53
23.49
21.99
Profit Margin (%)
12.97
18.34
14.91
19.68
22.69
31.78
28.79
19.32
38.78
28.78
21.83
25.05
26.56
31.33
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
2,274
1,092
812
535
383
724
1,723
1,336
1,012
651
542
950
1,472
1,956
Total Equity
6,465
7,370
7,508
7,634
7,679
7,578
7,353
7,886
7,463
4,893
5,691
6,124
7,180
7,681
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
3.08
4.63
3.68
5.52
5.82
7.23
7.13
5.59
12.76
8.59
6.67
9.03
8.88
13.61
Return on Common Equity (%)
3.24
5.52
3.79
6.19
7.86
12.04
11.33
7.16
15.34
15.3
13.36
13.14
13.59
16.5

Capital Structure

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
ST Debt
2,000
- -
- -
LT Borrowings
1,468
1,960
1,953
LT Finance Leases
4
3
3
Preferred Equity and Hybrid Capital
66
66
66
Shares Outstanding
39
39
38
Market Capitalization
2,257
2,217
2,643

Working Capital

USD

•

in mil. unless spec.
Dec'25
Mar'26
Jun'26
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
12,116
11,616
11,485
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
2,000
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

USD

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
0.66%
0.27%
17.24%
Free Cash Flow
27.47%
33.36%
-9.42%
Net Income, GAAP
18.04%
18.95%
14.67%
Sales/Revenue/Turnover
5.15%
4.02%
8.15%
Total Cash Common Dividend
23.31%
3.2%
6.05%

Quarterly Revenue

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
742
767
792
820
3,130
2025
795
838
861
891
3,385
2026
849
1,137
- -
- -
- -

Quarterly Earnings Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
1.05
1.38
1.54
1.45
5.22
2025
1.24
1.95
1.76
2.09
7.15
2026
1.82
3.53
- -
- -
- -

Quarterly Dividends Per Share

USD

•

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2024
0.52
0.52
0.54
0.52
2.03
2025
0.48
0.52
0.54
0.54
2.13
2026
0.53
0.53
- -
- -
- -

Company Description

CEO
Harris H. Simmons
Full Time Employees
9,195
Sector
Finance
Industry
Major banks
Address
One South Main Street Salt Lake City UT United States 84133-1109
IPO Date
Jan 1, 1966
Business
Zions Bancorporation, National Association operates as a regional financial services company providing a wide range of banking products and services primarily across 11 western states in the U.S., including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers core products encompassing consumer and commercial banking services through its distinct local brands such as California Bank & Trust, Amegy Bank, Zions Bank, and National Bank of Arizona. Its services include retail banking; commercial and industrial loans; real estate financing; treasury management; wealth management; and capital markets services including investment banking, debt capital markets, real estate capital markets, corporate and structured finance, and risk management solutions. Zions Bancorporation also provides electronic payment and funds transfer solutions through platforms like FedLine Services, Fiserv PEP+ (ACH & Zelle processing), and real-time payment networks including Zelle. Founded in 1873 and headquartered in Salt Lake City, Utah, Zions manages its operations through geographically defined bank divisions and subsidiaries, with a total asset base of approximately $89 billion as of the end of 2024 and annual net revenue of about $3.1 billion. The company leverages local management teams operating under their own brand identities within regional markets, targeting retail consumers, small to mid-sized businesses, and commercial real estate clients. Recent major developments include the strategic acquisition of four FirstBank branches in California's Coachella Valley by its California Bank & Trust division, adding roughly $730 million in deposits and $420 million in loans, expanding its physical presence to six branches in the region and increasing its market share to approximately 7% locally. In 2024, Zions completed a $500 million public offering of fixed-to-floating rate subordinated notes, reinforcing its capital base. The company also approved a $40 million share repurchase program in early 2025. Zions is actively exploring further acquisition opportunities to consolidate its position amid evolving regional banking landscapes and technological shifts. Additionally, it disclosed a $50 million charge-off relating to fraudulent loans in its California operations but maintains a strong credit portfolio overall. The bank continues to invest heavily in comprehensive information technology systems to support operations, risk management, and regulatory compliance, ensuring resilience under adverse market conditions. Zions Bancorporation positions itself as a premier financial institution in the western United States, with a diversified product portfolio spanning consumer and business banking, capital markets, and specialized financing solutions, complemented by recent growth initiatives and capital actions to strengthen its market position and operational capacity.

Company News

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  • Zions Bancorporation, National Association Reports Third Quarter Financial Results

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  • Zions (ZION) Reports Next Week: Wall Street Expects Earnings Growth

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