ZIONP
Zions Bancorporation, National Association
Price Chart
Latest Quote
$19.98
Current Price| Previous Close | $19.95 |
| Open | $20.09 |
| Day High | $20.13 |
| Day Low | $19.98 |
| Volume | 3,298 |
Stock Information
| Quarterly Dividend / Yield | $1.32 / 6.62% |
| Total Debt | $4.58B |
| Cash Equivalents | $4.37B |
| Revenue | $3.31B |
| Net Income | $895.00M |
| Sector | Financial Services |
| Industry | Banks - Regional |
| P/E Ratio | 3.24 |
| EPS (TTM) | $6.17 |
| Exchange | NGM |
📊 Custom Metrics & Score
Score: 11/42| Debt to Equity | 0.57 |
| Debt to Earnings | 3.43 |
| Avg Revenue Growth | 1.88% |
| Profit Margin | 25.05% |
| Return on Equity | 12.80% |
| Avg FCF Growth | 37.12% |
Score Explanation: The perfect score is 42/42 based on debt levels, profitability, growth rates, and cash flow metrics. FCF Yield is weighted most heavily as it shows what return the business currently generates.
Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-02-02 | $19.98 | 4,131 |
| 2026-01-30 | $19.95 | 3,575 |
| 2026-01-29 | $19.75 | 6,450 |
| 2026-01-28 | $19.65 | 1,767 |
| 2026-01-27 | $19.75 | 6,121 |
| 2026-01-26 | $19.72 | 5,964 |
| 2026-01-23 | $19.80 | 9,284 |
| 2026-01-22 | $19.83 | 4,788 |
| 2026-01-21 | $19.88 | 5,304 |
| 2026-01-20 | $19.95 | 7,863 |
| 2026-01-16 | $20.06 | 33,279 |
| 2026-01-15 | $20.00 | 16,233 |
| 2026-01-14 | $19.90 | 3,690 |
| 2026-01-13 | $19.88 | 10,269 |
| 2026-01-12 | $19.95 | 32,683 |
| 2026-01-09 | $20.28 | 5,265 |
| 2026-01-08 | $20.35 | 11,799 |
| 2026-01-07 | $20.39 | 23,700 |
| 2026-01-06 | $20.35 | 13,891 |
| 2026-01-05 | $20.25 | 13,843 |
About Zions Bancorporation, National Association
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, 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, 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.
📰 Latest News
Zions Bancorporation Buyback Approval Highlights Valuation Gap And Shareholder Returns
Simply Wall St. • 2026-02-02T14:11:15Z
5 Insightful Analyst Questions From Zions Bancorporation’s Q4 Earnings Call
StockStory • 2026-01-27T05:31:02Z
Zions Bancorp’s (ZION) Case for Regional Bank Upside
Insider Monkey • 2026-01-25T04:37:24Z
Zions (ZION) Could Be a Great Choice
Zacks • 2026-01-23T16:45:04Z
Dow Jones Futures Rise After Trump Greenland Shift Fuels Stocks; Google, Eli Lilly Lead 8 New Buys
Investor's Business Daily • 2026-01-22T13:04:47Z
Assessing Zions Bancorporation (ZION) Valuation After Recent Share Price Momentum
Simply Wall St. • 2026-01-22T02:11:02Z
Why Zions Bancorporation (ZION) Stock Is Up Today
StockStory • 2026-01-21T17:21:48Z
Zions Stock Rises 1.7% as Q4 Earnings Beat on NII & Fee Income Growth
Zacks • 2026-01-21T17:02:00Z
ZION Q4 Deep Dive: Deposit Growth and Margin Expansion Shape 2025 Narrative
StockStory • 2026-01-21T14:50:59Z
Zions Bancorp NA (ZION) Q4 2025 Earnings Call Highlights: Strong Earnings Growth and Expanding ...
GuruFocus.com • 2026-01-21T05:00:46Z
Income Statement (Annual)
Revenue
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Revenue | $3,130,000,000 | $3,115,000,000 | $3,152,000,000 | $2,911,000,000 |
| Operating Revenue | $3,130,000,000 | $3,115,000,000 | $3,152,000,000 | $2,911,000,000 |
Expenses
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Interest Expense | $1,863,000,000 | $1,509,000,000 | $185,000,000 | $59,000,000 |
| Selling And Marketing Expense | $45,000,000 | $46,000,000 | $39,000,000 | $43,000,000 |
| General And Administrative Expense | $1,367,000,000 | $1,354,000,000 | $1,285,000,000 | $1,161,000,000 |
| Professional Expense And Contract Services Expense | $64,000,000 | $62,000,000 | $57,000,000 | $72,000,000 |
| Other Non Interest Expense | $395,000,000 | $370,000,000 | $344,000,000 | $311,000,000 |
Income & Earnings
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Income From Continuing Operation Net Minority Interest | $784,000,000 | $680,000,000 | $907,000,000 | $1,129,000,000 |
| Net Interest Income | $2,430,000,000 | $2,438,000,000 | $2,520,000,000 | $2,208,000,000 |
| Interest Income | $4,293,000,000 | $3,947,000,000 | $2,705,000,000 | $2,267,000,000 |
| Normalized Income | $794,850,000 | $760,535,000 | $907,787,000 | $1,129,781,000 |
| Net Income From Continuing And Discontinued Operation | $784,000,000 | $680,000,000 | $907,000,000 | $1,129,000,000 |
| Net Income Common Stockholders | $729,000,000 | $642,000,000 | $870,000,000 | $1,088,000,000 |
| Net Income | $784,000,000 | $680,000,000 | $907,000,000 | $1,129,000,000 |
| Net Income Including Noncontrolling Interests | $784,000,000 | $680,000,000 | $907,000,000 | $1,129,000,000 |
| Net Income Continuous Operations | $784,000,000 | $680,000,000 | $907,000,000 | $1,129,000,000 |
| Pretax Income | $1,012,000,000 | $886,000,000 | $1,152,000,000 | $1,446,000,000 |
| Special Income Charges | $-14,000,000 | $-105,000,000 | $-1,000,000 | $-1,000,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Tax Effect Of Unusual Items | $-3,150,000 | $-24,465,000 | $-213,000 | $-219,000 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Total Unusual Items | $-14,000,000 | $-105,000,000 | $-1,000,000 | $-1,000,000 |
| Total Unusual Items Excluding Goodwill | $-14,000,000 | $-105,000,000 | $-1,000,000 | $-1,000,000 |
| Reconciled Depreciation | $124,000,000 | $140,000,000 | $110,000,000 | $-14,000,000 |
| Diluted NI Availto Com Stockholders | $729,000,000 | $642,000,000 | $870,000,000 | $1,088,000,000 |
| Otherunder Preferred Stock Dividend | $14,000,000 | $6,000,000 | $8,000,000 | $12,000,000 |
| Preferred Stock Dividends | $41,000,000 | $32,000,000 | $29,000,000 | $29,000,000 |
| Tax Provision | $228,000,000 | $206,000,000 | $245,000,000 | $317,000,000 |
| Other Special Charges | $11,000,000 | $90,000,000 | - | $-12,000,000 |
| Restructuring And Mergern Acquisition | $3,000,000 | $15,000,000 | $1,000,000 | $1,000,000 |
| Gain On Sale Of Security | $19,000,000 | $0 | $1,000,000 | $85,000,000 |
| Selling General And Administration | $1,412,000,000 | $1,400,000,000 | $1,324,000,000 | $1,204,000,000 |
| Insurance And Claims | $80,000,000 | $79,000,000 | $50,000,000 | $34,000,000 |
| Salaries And Wages | $1,287,000,000 | $1,275,000,000 | $1,235,000,000 | $1,127,000,000 |
| Occupancy And Equipment | $161,000,000 | $160,000,000 | $152,000,000 | $153,000,000 |
Balance Sheet (Annual)
Assets
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Net Tangible Assets | $5,072,000,000 | $4,632,000,000 | $3,828,000,000 | $6,448,000,000 |
| Total Assets | $88,775,000,000 | $87,203,000,000 | $89,545,000,000 | $93,200,000,000 |
| Goodwill And Other Intangible Assets | $1,052,000,000 | $1,059,000,000 | $1,065,000,000 | $1,015,000,000 |
| Other Intangible Assets | $25,000,000 | $32,000,000 | $38,000,000 | $1,000,000 |
| Receivables | $377,000,000 | $383,000,000 | $386,000,000 | $327,000,000 |
| Other Receivables | $377,000,000 | $383,000,000 | $386,000,000 | $327,000,000 |
| Cash And Cash Equivalents | $3,501,000,000 | $2,204,000,000 | $1,997,000,000 | $10,878,000,000 |
| Cash Financial | $651,000,000 | $716,000,000 | $657,000,000 | $595,000,000 |
| Cash Cash Equivalents And Federal Funds Sold | $4,954,000,000 | $3,141,000,000 | $4,423,000,000 | $13,011,000,000 |
Debt
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Debt | $3,475,000,000 | $2,067,000,000 | $7,751,000,000 | $1,012,000,000 |
| Long Term Debt And Capital Lease Obligation | $950,000,000 | $542,000,000 | $651,000,000 | $1,012,000,000 |
| Long Term Debt | $946,000,000 | $538,000,000 | $647,000,000 | $1,008,000,000 |
| Current Debt And Capital Lease Obligation | $2,525,000,000 | $1,525,000,000 | $7,100,000,000 | $0 |
| Current Debt | $2,525,000,000 | $1,525,000,000 | $7,100,000,000 | $0 |
| Other Current Borrowings | $2,525,000,000 | $1,525,000,000 | $7,100,000,000 | $0 |
| Net Debt | - | - | $5,750,000,000 | - |
Liabilities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Total Liabilities Net Minority Interest | $82,651,000,000 | $81,512,000,000 | $84,652,000,000 | $85,737,000,000 |
| Derivative Product Liabilities | $415,000,000 | $378,000,000 | $0 | - |
Equity
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Common Stock Equity | $6,058,000,000 | $5,251,000,000 | $4,453,000,000 | $7,023,000,000 |
| Preferred Stock Equity | $66,000,000 | $440,000,000 | $440,000,000 | $440,000,000 |
| Total Equity Gross Minority Interest | $6,124,000,000 | $5,691,000,000 | $4,893,000,000 | $7,463,000,000 |
| Stockholders Equity | $6,124,000,000 | $5,691,000,000 | $4,893,000,000 | $7,463,000,000 |
| Gains Losses Not Affecting Retained Earnings | $-2,380,000,000 | $-2,692,000,000 | $-3,112,000,000 | $-80,000,000 |
| Retained Earnings | $6,701,000,000 | $6,212,000,000 | $5,811,000,000 | $5,175,000,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Preferred Shares Number | $2,645,560 | $8,181,160 | $8,181,160 | $8,181,200 |
| Ordinary Shares Number | $147,871,000 | $148,153,000 | $148,664,000 | $151,625,000 |
| Share Issued | $147,871,000 | $148,153,000 | $148,664,000 | $151,625,000 |
| Tangible Book Value | $5,006,000,000 | $4,192,000,000 | $3,388,000,000 | $6,008,000,000 |
| Invested Capital | $9,529,000,000 | $7,314,000,000 | $12,200,000,000 | $8,031,000,000 |
| Capital Lease Obligations | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Total Capitalization | $7,070,000,000 | $6,229,000,000 | $5,540,000,000 | $8,471,000,000 |
| Capital Stock | $1,803,000,000 | $2,171,000,000 | $2,194,000,000 | $2,368,000,000 |
| Common Stock | $1,737,000,000 | $1,731,000,000 | $1,754,000,000 | $1,928,000,000 |
| Preferred Stock | $66,000,000 | $440,000,000 | $440,000,000 | $440,000,000 |
| Long Term Capital Lease Obligation | $4,000,000 | $4,000,000 | $4,000,000 | $4,000,000 |
| Long Term Provisions | $45,000,000 | $45,000,000 | $61,000,000 | $40,000,000 |
| Investments And Advances | $19,133,000,000 | $21,048,000,000 | $23,796,000,000 | $25,164,000,000 |
| Held To Maturity Securities | $9,635,000,000 | $10,382,000,000 | $11,126,000,000 | $441,000,000 |
| Available For Sale Securities | $334,000,000 | $318,000,000 | $290,000,000 | $303,000,000 |
| Trading Securities | $35,000,000 | $48,000,000 | $465,000,000 | $372,000,000 |
| Goodwill | $1,027,000,000 | $1,027,000,000 | $1,027,000,000 | $1,014,000,000 |
| Net PPE | $1,366,000,000 | $1,400,000,000 | $1,408,000,000 | $1,319,000,000 |
| Accumulated Depreciation | $-959,000,000 | $-1,050,000,000 | $-1,026,000,000 | $-1,024,000,000 |
| Gross PPE | $2,325,000,000 | $2,450,000,000 | $2,434,000,000 | $2,343,000,000 |
| Leases | $139,000,000 | $137,000,000 | $151,000,000 | $168,000,000 |
| Machinery Furniture Equipment | $922,000,000 | $1,085,000,000 | $1,076,000,000 | $1,042,000,000 |
| Buildings And Improvements | $980,000,000 | $959,000,000 | $943,000,000 | $868,000,000 |
| Land And Improvements | $284,000,000 | $269,000,000 | $264,000,000 | $265,000,000 |
| Other Short Term Investments | $9,129,000,000 | $10,300,000,000 | $11,915,000,000 | $24,048,000,000 |
| Treasury Shares Number | - | $0 | - | - |
Cash Flow Statement (Annual)
Free Cash Flow
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Free Cash Flow | $1,051,000,000 | $772,000,000 | $1,280,000,000 | $423,000,000 |
Operating Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Operating Cash Flow | $1,148,000,000 | $885,000,000 | $1,470,000,000 | $629,000,000 |
| Cash Flow From Continuing Operating Activities | $1,148,000,000 | $885,000,000 | $1,470,000,000 | $629,000,000 |
Investing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Capital Expenditure | $-97,000,000 | $-113,000,000 | $-190,000,000 | $-206,000,000 |
| Investing Cash Flow | $-1,640,000,000 | $2,370,000,000 | $1,405,000,000 | $-11,579,000,000 |
| Cash Flow From Continuing Investing Activities | $-1,640,000,000 | $2,370,000,000 | $1,405,000,000 | $-11,579,000,000 |
| Net Other Investing Changes | $12,000,000 | $-15,000,000 | $27,000,000 | $31,000,000 |
Financing Activities
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repurchase Of Capital Stock | $-410,000,000 | $-51,000,000 | $-202,000,000 | $-926,000,000 |
| Issuance Of Capital Stock | $10,000,000 | $3,000,000 | $9,000,000 | $21,000,000 |
| Financing Cash Flow | $427,000,000 | $-3,196,000,000 | $-2,813,000,000 | $11,002,000,000 |
| Cash Flow From Continuing Financing Activities | $427,000,000 | $-3,196,000,000 | $-2,813,000,000 | $11,002,000,000 |
| Net Other Financing Charges | $-7,000,000 | $-9,000,000 | $-8,000,000 | $-13,000,000 |
| Cash Dividends Paid | $-289,000,000 | $-282,000,000 | $-269,000,000 | $-261,000,000 |
| Net Preferred Stock Issuance | $-374,000,000 | $0 | $0 | $-126,000,000 |
| Net Common Stock Issuance | $-26,000,000 | $-48,000,000 | $-193,000,000 | $-779,000,000 |
| Common Stock Issuance | $10,000,000 | $3,000,000 | $9,000,000 | $21,000,000 |
Other
| Metric | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| Repayment Of Debt | $-88,000,000 | $-128,000,000 | $-290,000,000 | $-286,000,000 |
| Issuance Of Debt | $496,000,000 | $0 | $0 | $0 |
| Interest Paid Supplemental Data | $1,905,000,000 | $1,368,000,000 | $160,000,000 | $81,000,000 |
| Income Tax Paid Supplemental Data | $192,000,000 | $255,000,000 | $21,000,000 | $442,000,000 |
| End Cash Position | $651,000,000 | $716,000,000 | $657,000,000 | $595,000,000 |
| Beginning Cash Position | $716,000,000 | $657,000,000 | $595,000,000 | $543,000,000 |
| Changes In Cash | $-65,000,000 | $59,000,000 | $62,000,000 | $52,000,000 |
| Preferred Stock Payments | $-374,000,000 | $0 | $0 | $-126,000,000 |
| Common Stock Payments | $-36,000,000 | $-51,000,000 | $-202,000,000 | $-800,000,000 |
| Net Issuance Payments Of Debt | $-139,000,000 | $-6,166,000,000 | $9,224,000,000 | $-955,000,000 |
| Net Short Term Debt Issuance | $-547,000,000 | $-6,038,000,000 | $9,514,000,000 | $-669,000,000 |
| Net Long Term Debt Issuance | $408,000,000 | $-128,000,000 | $-290,000,000 | $-286,000,000 |
| Long Term Debt Payments | $-88,000,000 | $-128,000,000 | $-290,000,000 | $-286,000,000 |
| Long Term Debt Issuance | $496,000,000 | $0 | $0 | $0 |
| Net Investment Purchase And Sale | $159,000,000 | $4,601,000,000 | $5,878,000,000 | $-14,218,000,000 |
| Sale Of Investment | $3,052,000,000 | $5,308,000,000 | $12,404,000,000 | $5,268,000,000 |
| Purchase Of Investment | $-2,893,000,000 | $-707,000,000 | $-6,526,000,000 | $-19,486,000,000 |
| Net Business Purchase And Sale | $0 | $0 | $318,000,000 | $0 |
| Net PPE Purchase And Sale | $-97,000,000 | $-113,000,000 | $-190,000,000 | $-206,000,000 |
| Purchase Of PPE | $-97,000,000 | $-113,000,000 | $-190,000,000 | $-206,000,000 |
| Change In Working Capital | $177,000,000 | $-148,000,000 | $390,000,000 | $-158,000,000 |
| Change In Other Working Capital | $13,000,000 | $22,000,000 | $-93,000,000 | $-107,000,000 |
| Change In Other Current Liabilities | $3,000,000 | $-299,000,000 | $892,000,000 | $13,000,000 |
| Change In Other Current Assets | $94,000,000 | $169,000,000 | $-457,000,000 | $-78,000,000 |
| Other Non Cash Items | $-35,000,000 | $57,000,000 | $-46,000,000 | $-112,000,000 |
| Stock Based Compensation | $33,000,000 | $33,000,000 | $30,000,000 | $28,000,000 |
| Deferred Tax | $-7,000,000 | $-9,000,000 | $-43,000,000 | $32,000,000 |
| Deferred Income Tax | $-7,000,000 | $-9,000,000 | $-43,000,000 | $32,000,000 |
| Depreciation Amortization Depletion | $124,000,000 | $140,000,000 | $110,000,000 | $-14,000,000 |
| Depreciation And Amortization | $124,000,000 | $140,000,000 | $110,000,000 | $-14,000,000 |
| Net Income From Continuing Operations | $784,000,000 | $680,000,000 | $907,000,000 | $1,129,000,000 |
| Short Term Debt Payments | - | - | - | $-669,000,000 |