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Zions Bancorporation, National Association ZION
Financial Services - Banks - Regional - NASDAQ - US
Watchlist
$ 48.58
0.517 %
$ 7.17 B
Market Cap
9.6
P/E
1. INTRINSIC VALUE

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one ZION stock under the worst case scenario is HIDDEN Compared to the current market price of 48.6 USD, Zions Bancorporation, National Association is HIDDEN

ZION Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one ZION stock under the base case scenario is HIDDEN Compared to the current market price of 48.6 USD, Zions Bancorporation, National Association is HIDDEN

ZION Intrinsic Value
HIDDEN
SHOW

This DCF valuation model was last updated on Jun, 21, 2025.

The intrinsic value of one ZION stock under the best case scenario is HIDDEN Compared to the current market price of 48.6 USD, Zions Bancorporation, National Association is HIDDEN

ZION Intrinsic Value
HIDDEN
SHOW
2. FUNDAMENTAL ANALYSIS

Price Chart ZION

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1M 4%
6M -11%
1Y 16%
3Y 5%
5Y 75%
All
$60.0$60.0$58.0$58.0$56.0$56.0$54.0$54.0$52.0$52.0$50.0$50.0$48.0$48.0$46.0$46.0$44.0$44.0$42.0$42.0$40.0$40.0Jan '25Jan '2515 Jan15 JanFeb '25Feb '2515 Feb15 FebMar '25Mar '2515 Mar15 MarApr '25Apr '2515 Apr15 AprMay '25May '2515 May15 MayJun '25Jun '2515 Jun15 Jun
FINANCIALS
4.99 B REVENUE
7.98%
Growth Rates
1Year 7.98%
3Years 18.91%
5Years 9.00%
7Years 8.97%
10Years 7.85%
1.01 B OPERATING INCOME
14.22%
Growth Rates
1Year 14.22%
3Years -11.22%
5Years -0.79%
7Years 1.12%
10Years 5.00%
784 M NET INCOME
16.32%
Growth Rates
1Year 16.32%
3Years -11.45%
5Years -0.80%
7Years 4.09%
10Years 7.00%
1.15 B OPERATING CASH FLOW
29.72%
Growth Rates
1Year 29.72%
3Years 22.21%
5Years 10.49%
7Years 3.09%
10Years 11.68%
-1.64 B INVESTING CASH FLOW
-69.20%
Growth Rates
1Year -69.20%
3Years 47.87%
5Years -39.97%
7Years 11.70%
10Years -2.60%
427 M FINANCING CASH FLOW
113.36%
Growth Rates
1Year 113.36%
3Years -66.14%
5Years 19.48%
7Years -23.57%
10Years -2.63%
1.2 B REVENUE
-4.46%
Growth Rates
1Year 7.98%
3Years 18.91%
5Years 9.00%
7Years 8.97%
10Years 7.85%
239 M OPERATING INCOME
-11.48%
Growth Rates
1Year 14.22%
3Years -11.22%
5Years -0.79%
7Years 1.12%
10Years 5.00%
170 M NET INCOME
-21.30%
Growth Rates
1Year 16.32%
3Years -11.45%
5Years -0.80%
7Years 4.09%
10Years 7.00%
179 M OPERATING CASH FLOW
-65.38%
Growth Rates
1Year 29.72%
3Years 22.21%
5Years 10.49%
7Years 3.09%
10Years 11.68%
1.66 B INVESTING CASH FLOW
170.20%
Growth Rates
1Year -69.20%
3Years 47.87%
5Years -39.97%
7Years 11.70%
10Years -2.60%
-1.66 B FINANCING CASH FLOW
-119.62%
Growth Rates
1Year 113.36%
3Years -66.14%
5Years 19.48%
7Years -23.57%
10Years -2.63%
Balance Sheet Zions Bancorporation, National Association
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Current Assets 13 B
Cash & Short-Term Investments 12.6 B
Receivables 377 M
Other Current Assets 0
Non-Current Assets 75.8 B
Long-Term Investments 68.4 B
PP&E 1.37 B
Other Non-Current Assets 6.02 B
14.23 %77.03 %6.78 %Total Assets$88.8b
Current Liabilities 79.6 B
Accounts Payable 0
Short-Term Debt 3.42 B
Other Current Liabilities 76.2 B
Non-Current Liabilities 3.01 B
Long-Term Debt 950 M
Other Non-Current Liabilities 2.06 B
4.13 %92.22 %Total Liabilities$82.7b
EFFICIENCY
Earnings Waterfall Zions Bancorporation, National Association
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Revenue 4.99 B
Cost Of Revenue 1.94 B
Gross Profit 3.06 B
Operating Expenses 2.05 B
Operating Income 1.01 B
Other Expenses 228 M
Net Income 784 M
5b5b5b5b4b4b4b4b3b3b3b3b2b2b2b2b1b1b500m500m005b(2b)3b(2b)1b(228m)784mRevenueRevenueCost Of RevenueCost Of RevenueGross ProfitGross ProfitOperating ExpensesOperating ExpensesOperating IncomeOperating IncomeOther ExpensesOther ExpensesNet IncomeNet Income
RATIOS
61.25% GROSS MARGIN
61.25%
Averages
1Year 61.25%
3Years 72.19%
5Years 80.92%
7Years 83.40%
10Years 86.40%
20.27% OPERATING MARGIN
20.27%
Averages
1Year 20.27%
3Years 24.65%
5Years 29.10%
7Years 30.80%
10Years 29.90%
15.70% NET MARGIN
15.70%
Averages
1Year 15.70%
3Years 19.20%
5Years 22.78%
7Years 24.03%
10Years 22.29%
12.80% ROE
12.80%
Averages
1Year 12.80%
3Years 14.43%
5Years 13.05%
7Years 12.57%
10Years 10.60%
0.88% ROA
0.88%
Averages
1Year 0.88%
3Years 0.89%
5Years 0.91%
7Years 1.00%
10Years 0.92%
6.25% ROIC
6.25%
Averages
1Year 6.25%
3Years 5.62%
5Years 6.45%
7Years 6.44%
10Years 5.74%
FREE CASH FLOW ANALYSIS
Free Cash Flow Analysis Zions Bancorporation, National Association
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1b1b1b1b1b1b800m800m600m600m400m400m200m200m0020162016201720172018201820192019202020202021202120222022202320232024202420252025
Net Income 784 M
Depreciation & Amortization 124 M
Capital Expenditures -97 M
Stock-Based Compensation 33 M
Change in Working Capital 177 M
Others 214 M
Free Cash Flow 1.05 B
3. WALL STREET ANALYSTS ESTIMATES
Wall Street Analysts Price Targets Zions Bancorporation, National Association
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Wall Street analysts predict an average 1-year price target for ZION of $54.7 , with forecasts ranging from a low of $49 to a high of $64 .
ZION Lowest Price Target Wall Street Target
49 USD 0.86%
ZION Average Price Target Wall Street Target
54.7 USD 12.59%
ZION Highest Price Target Wall Street Target
64 USD 31.74%
Price
Max Price Target
Min Price Target
Average Price Target
656560605555505045454040Aug '24Aug '24Oct '24Oct '24Nov '24Nov '2420252025Feb '25Feb '25Apr '25Apr '25Jun '25Jun '25Jul '25Jul '25Aug '25Aug '25Oct '25Oct '25Nov '25Nov '2520262026Feb '26Feb '26Apr '26Apr '26Jun '26Jun '26Jul '26Jul '26
4. DIVIDEND ANALYSIS
0.90% DIVIDEND YIELD
0.43 USD DIVIDEND PER SHARE
Q1
Q2
Q3
Q4
1.801.801.601.601.401.401.201.201.001.000.800.800.600.600.400.400.200.200.000.000.060.080.20.30.340.340.380.410.410.430.060.060.080.240.30.340.340.380.410.410.430.060.080.120.30.340.340.380.410.410.410.060.220.080.280.160.440.31.040.341.280.341.360.381.440.411.580.411.640.431.660.862015201520162016201720172018201820192019202020202021202120222022202320232024202420252025
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5. COMPETITION
slide 2 of 8
6. Ownership
Insider Ownership Zions Bancorporation, National Association
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Sold
0-3 MONTHS
29.5 K USD 2
3-6 MONTHS
1.84 M USD 3
6-9 MONTHS
1.21 M USD 7
9-12 MONTHS
6.59 M USD 3
Bought
0 USD 0
0-3 MONTHS
0 USD 0
3-6 MONTHS
0 USD 0
6-9 MONTHS
0 USD 0
9-12 MONTHS
7. News
Why Zions (ZION) is a Great Dividend Stock Right Now Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Zions (ZION) have what it takes? zacks.com - 3 weeks ago
Zions Bancorporation: Shares Remain Cheap Despite A Slightly Softer Pre-Provision Outlook Shares of Utah-based Zions Bancorporation have been pretty volatile since my last piece in March, although they have now largely recovered their "Liberation Day" losses. At the business level, impacts so far have been limited to a slight narrowing of pre-provision earnings drivers. Credit quality was actually quite resilient last quarter. While there was limited tariff impact on these figures, credit risk is not something that worries me greatly here. seekingalpha.com - 3 weeks ago
Zions Bancorporation: Attractive Even As Capital Limits Upside Zions Bancorporation's strong credit quality and conservative underwriting set it apart, with low charge-offs and robust reserve coverage supporting its loan book. Deposit base remains stable and net interest income is poised to grow, benefiting from higher rates and improving deposit costs, despite some mix shift risks. Capital position, impacted by unrealized losses on securities, is the main valuation headwind; improvement is expected but will be gradual, limiting P/E expansion. seekingalpha.com - 4 weeks ago
ZIONS BANCORPORATION TO PRESENT AT THE MORGAN STANLEY US FINANCIALS CONFERENCE SALT LAKE CITY , May 21, 2025 /PRNewswire/ -- Scott McLean, President and COO of Zions Bancorporation, N.A. (NASDAQ: ZION), will present at the Morgan Stanley US Financials Conference on Tuesday, June 10 th at 12:15 pm Eastern. prnewswire.com - 1 month ago
ZIONS BANCORPORATION'S BOARD DECLARES DIVIDENDS ON COMMON AND PREFERRED STOCK SALT LAKE CITY , May 2, 2025 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) announced today that its board of directors ("board") declared a regular quarterly dividend of $0.43 per common share, payable May 22, 2025, to shareholders of record at the close of business on May 15, 2025. prnewswire.com - 1 month ago
Zions (ZION) Could Be a Great Choice Dividends are one of the best benefits to being a shareholder, but finding a great dividend stock is no easy task. Does Zions (ZION) have what it takes? zacks.com - 1 month ago
Vectra Bank Colorado Announces Symone Massey, Durango Market President DURANGO, Colo. , May 1, 2025 /PRNewswire/ -- Vectra Bank Colorado is pleased to announce the promotion of Symone Massey to the role of Market President in Durango. prnewswire.com - 1 month ago
Vectra Bank Colorado Announces Retirement of CEO Bruce Alexander DENVER, April 29, 2025 /PRNewswire/ -- Vectra Bank Colorado today announced the retirement of President and CEO, Bruce Alexander. Bruce's 25-year tenure at Vectra Bank has been marked by significant achievements, exceptional growth, and an unwavering commitment to Colorado, the bank, its employees, shareholders, and the communities it serves. prnewswire.com - 1 month ago
Zions' Q1 Earnings Top Estimates on Higher NII & Fee Income ZION's first-quarter 2025 earnings beat estimates on higher NII & non-interest income. Yet, higher provisions and adjusted expenses play spoilsport. zacks.com - 2 months ago
These Analysts Lower Their Forecasts On Zions Bancorp After Downbeat Earnings Zions Bancorp ZION posted weaker-than-expected results for the first quarter on Monday. benzinga.com - 2 months ago
Zions Bancorporation, National Association (ZION) Q1 2025 Earnings Call Transcript Zions Bancorporation, National Association (NASDAQ:ZION ) Q1 2025 Earnings Conference Call April 21, 2025 5:30 PM ET Company Participants Shannon Drage - Senior Director of Investor Relations Harris Simmons - Chairman and Chief Executive Officer Ryan Richards - Chief Financial Officer Scott McLean - President and Chief Operating Officer Derek Steward - Chief Credit Officer Conference Call Participants Manan Gosalia - Morgan Stanley John Pancari - Evercore ISI Bernard von Gizycki - Deutsche Bank Peter Winter - D.A. Davidson & Co. Benjamin Gerlinger - Citigroup Inc. Ken Usdin - Autonomous Research Anthony Elian - JPMorgan Chase & Co. Christopher McGratty - Keefe, Bruyette, & Woods, Inc. Jon Arfstrom - RBC Capital Markets Operator Greetings, and welcome to the Zions Bancorp Q1 2025 Earnings Conference Call. seekingalpha.com - 2 months ago
Zions (ZION) Q1 Earnings: Taking a Look at Key Metrics Versus Estimates While the top- and bottom-line numbers for Zions (ZION) give a sense of how the business performed in the quarter ended March 2025, it could be worth looking at how some of its key metrics compare to Wall Street estimates and year-ago values. zacks.com - 2 months ago
8. Profile Summary

Zions Bancorporation, National Association ZION

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COUNTRY US
INDUSTRY Banks - Regional
MARKET CAP $ 7.17 B
Dividend Yield 0.90%
Description Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. 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.
Contact One South Main Street, Salt Lake City, UT, 84133-1109 https://www.zionsbancorporation.com
IPO Date March 17, 1980
Employees 9392
Officers Mr. Harris Henry Simmons Chairman & Chief Executive Officer Mr. Steven D. Stephens Executive Vice President Ms. Jennifer Anne Smith Executive Vice President and Chief Technology & Operations Officer Mr. Paul E. Burdiss Executive Vice President Mr. Eric Ellingsen Executive Vice President Mr. Eric Lucero Executive Vice President & Chief Marketing Officer Ms. Rena A. Miller J.D. Executive Vice President, General Counsel & Corporate Secretary Mr. Scott J. McLean President, Chief Operating Officer & Director Mr. R. Ryan Richards Executive Vice President & Chief Financial Officer Ms. Shannon R. Drage Senior Vice President, Senior Director of IR & Strategic Finance