Zions Bancorporation, National Association
ZIONP
NASDAQ Global Market18.95
USD
-0.03
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Zions Bancorporation, National Association
ZIONP
(NASDAQ Global Market)
Recent
price
18.95
P/E
ratio
- -
div
yld
- -
ROIC.AI
Capital Structure
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in mil. unless spec.- Similar Companies
- 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.
Zions Bancorporation, National Association (NASDAQ:ZIONP) Stock Price Down 0.8% – Should You Sell?