profit from every $100 of sales.
$0$100
Zions Bancorporation, National Association
$66.54+0.33% today
+26.3% in 1 year
1-year low $48.921-year high $73.31
Trading in the middle of its range for the past year.
The essentials
Four questions every investor asks, answered in one line each.
more sales each year, on average, 2022 to 2025.
0%20% a year
You pay $10.73 for every $1 of profit it makes in a year.
CheapExpensive
Not measured for banks and insurers: deposits and policy reserves count as debt, so the usual debt test says nothing about them.
Money in, money out
What Zions Bancorporation, National Association sold, what it kept, and what it did with the cash.
Sales went from $3.15 billion in 2022 to $3.39 billion in 2025, with $899 million of profit last year.
SalesProfit
Zions Bancorporation, National Association handed back 32% of the cash it generated last year.
$267M
Free cash flow 2025$952M
Bought back its own shares$41M
Paid as dividends$267M
Cash vs. debt$2.9B vs. $3.5B
Zions Bancorporation, National Association vs. similar companies
Zions Bancorporation, National Association grows in the middle of these 5 and is priced in the middle for its profits.
| Company | Profit from $100 of sales | Sales growth a year | Price per $1 of profit |
|---|---|---|---|
| Zions Bancorporation, National Association | 10.7× · Cheap | ||
 China Merchants Bank | 7.7× · Cheap | ||
 DBS Group Holdings | 18.5× · Fair price | ||
 UniCredit | 11.6× · Cheap | ||
 HDFC Bank | 18.6× · Fair price |
AI analysis
An AI analyst reads Zions Bancorporation, National Association's last five years, its segments, earnings, insiders and peers, and writes the bull case, the bear case and what the price expects.
Run the AI analysisFull statementsIncome, balance sheet and cash flow, year by year
Income statement
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 3,152 | 3,115 | 3,130 | 3,385 | |
| – | – | – | – | |
| – | – | – | – | |
| 1,447 | 2,535 | – | – | |
| 907 | 680 | 784 | 899 | |
| 5.79 | 4.35 | 4.95 | 6.01 | |
| – | – | – | – | |
| – | – | – | – | |
| 28.8% | 21.8% | 25.0% | 26.6% |
Balance sheet
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| Total assets | 89,545 | 87,203 | 88,775 | 88,990 |
| Cash | 1,997 | 2,204 | 3,501 | 2,885 |
| Total debt | 7,751 | 2,067 | 3,475 | 3,472 |
| Total liabilities | 84,652 | 81,512 | 82,651 | 81,810 |
| 4,893 | 5,691 | 6,124 | 7,180 | |
| 150 | 148 | 147 | 147 | |
| 8.4% | 24.4% | – | – | |
| 18.5% | 11.9% | 12.8% | 12.5% |
Cash flow
| In millions of USD | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|
| 1,470 | 885 | 1,148 | 1,073 | |
| 190 | 113 | 97 | 121 | |
| 1,280 | 772 | 1,051 | 952 | |
| Dividends paid | 269 | 282 | 289 | 267 |
| 202 | 51 | 410 | 41 | |
| 30 | 33 | 33 | 35 |
This is a bank or insurer, so cash-flow and debt ratios are left out: borrowing and lending is the business itself. Price to book and return on equity are the measures that matter here.
Valuation
- 10.7×
- 10.3×
- 8.58
- 1.2×
- 2.8×
- 9.3%
- 3.0%
Profitability
- 26.6%
- 8.7%
- 7.9%
- 13.8%
- 1.1%
Growth
- +2.4%
- +1.3%
- +5.3%
- −2.1%
How it ranks in Financial Services
Each dot is where the company stands among every company over $300M in the sector. Further right is better.
Top 32%of 748
Top 41%of 603
Top 30%of 873
Bottom 28%of 883
Top 23%of 933
What analysts expect
- Average price target
- $67.83
- Range
- $60.00 – $75.00
- 6 analysts
These targets were collected on May 20, 2026 and our analyst feed has not updated since, so we no longer compare them with today's price.
Recent earnings
Our results feed has not updated since May 21, 2026. Results reported after that are not in this table yet.
| Date | EPS | Expected | Surprise |
|---|---|---|---|
| Apr 20, 2026 | 1.56 | 1.43 | +9.1% |
| Jan 20, 2026 | 1.75 | 1.57 | +11.5% |
| Oct 20, 2025 | 1.54 | 1.46 | +5.5% |
| Jul 21, 2025 | 1.58 | 1.31 | +20.6% |
| Apr 21, 2025 | 1.24 | 1.19 | +4.2% |
| Jan 21, 2025 | 1.34 | 1.25 | +7.2% |
| Oct 21, 2024 | 1.37 | 1.17 | +17.1% |
| Jul 22, 2024 | 1.29 | 1.10 | +17.3% |
3.0%of the share price, paid each year
On $1,000 invested$30a year at today's yield, before tax
+5.3%2020 to 2025
Raised10 yearsin a row, in our data
Paid per share, each year
$0.22 in 2015 → $1.76 in 2025
How safe it looks
29.7% of its profit
Room to growStretchedMore than it earns: 28.0%
News
Zions projects 8%-12% Q3 2027 net interest income growth while scaling Basis multifamily to $30M-$40M medium-term revenueSeeking Alpha · Oct 20, 2026Insider trades
Our insider feed has not updated since May 26, 2026. Trades filed after that are not listed yet.
No insider trades on file.
The seven classic investing rulebooks
4/7Passes 4 of 7. Each bar is how well the company fits that investor's published rules, from 0 to 100; 60 or more counts as a pass.
Warren Buffett
63Pass
Benjamin Graham
73Pass
Philip Fisher
65Pass
Peter Lynch
22No pass
Joel Greenblatt
26No pass
Charlie Munger
62Pass
Terry Smith
56No pass
Questions about Zions Bancorporation, National Association
Is Zions Bancorporation, National Association a good stock to buy?
A strong, very profitable business, and the price looks low. 4 of the 7 famous investors' published rulebooks we apply pass it. Whether it suits you depends on your goals and the price you pay; invest-like never tells anyone to buy or sell. The AI analysis lays out the case for and against. Read the Zions Bancorporation, National Association AI analysis
What does Zions Bancorporation, National Association do?
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. It is in Banks - Regional, based in Salt Lake City, UT, United States, with 9,090 employees.
Does Zions Bancorporation, National Association pay a dividend?
Yes. At today's price the dividend is 3.0% a year, about 30% of its yearly profit. In 2025 it paid out $267 million in dividends.
Is Zions Bancorporation, National Association stock halal?
No. Zions Bancorporation, National Association does not pass our halal screen: its main business, banking, is not permitted. How we check
How has Zions Bancorporation, National Association stock done over the past year?
Up 26.3% over the past twelve months, to $66.54. It traded between $48.92 and $73.31 and is 9.2% below its high.
Who are Zions Bancorporation, National Association's competitors?
The largest listed companies in the same industry are China Merchants Bank, DBS Group Holdings, UniCredit and HDFC Bank. The peers table on this page compares their profit, growth and price with Zions Bancorporation, National Association's.
Prices: daily closes to Nov 11, 2026. Fundamentals: company reports via invest-like data.