Zions Bancorporation, N.A. (ZION) Stock Price, News & Analysis

Company Overview

Zions Bancorporation, N.A. (NASDAQ: ZION) is a bank holding company headquartered in Salt Lake City, Utah. Founded in 1873, the company provides a full range of banking and financial services through an extensive network of subsidiary banks across the Western United States. Zions Bancorporation serves individual consumers, small businesses, middle-market companies and large corporations, offering an integrated platform of deposit, lending, payment and treasury management solutions.

The company’s core business activities include commercial lending, consumer banking and mortgage origination. In commercial banking, Zions offers working capital lines of credit, equipment financing, real estate loans and specialized industry financing. On the retail side, the company provides checking and savings accounts, credit cards, personal loans and home mortgage products. Zions also maintains a suite of treasury management and payment processing services designed to streamline cash flow, automate collections and optimize liquidity for business clients.

Beyond traditional banking, Zions Bancorporation has expanded its financial services footprint to include wealth management, title insurance, and equipment leasing. Through its private banking and advisory divisions, the company offers investment management, trust administration, estate planning and retirement solutions. Zions’ title insurance subsidiary supports real estate transactions with underwriting, escrow and closing services, while its leasing arm facilitates capital equipment acquisition across a range of industries.

Operating under multiple regional brands—including Zions Bank, National Bank of Arizona, California Bank & Trust, Nevada State Bank, Amegy Bank, Vectra Bank Colorado and The Commerce Bank—Zions Bancorporation maintains a diversified geographic presence in states such as Utah, Arizona, California, Colorado, Texas and Nevada. The company is led by President and Chief Executive Officer Nicolas A. Ghiglieri, whose leadership emphasizes digital innovation, community engagement and a customer-centric approach to financial services.

Key Stats

• Today's Range: $55.54 to $56.58
• 50-Day Range: $45.39 to $56.30
• 52-Week Range: $39.32 to $63.22
• Volume: 1.31 million shs
• Average Volume: 1.56 million shs
• Market Capitalization: $8.29 billion
• P/E Ratio: 10.98
• Dividend Yield: 3.06%
• Price Target: $57.50
• Consensus Rating: Hold

Zions Bancorporation, N.A. Stock Analysis - MarketRank™

Zions Bancorporation, N.A. scored higher than 94% of companies evaluated by MarketBeat, and ranked 102nd out of 936 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 2.1 / 5
• Analyst Rating: Hold

Consensus Rating

Zions Bancorporation, N.A. has received a consensus rating of Hold. The company's average rating score is 2.11, and is based on 4 buy ratings, 13 hold ratings, and 2 sell ratings.

Amount of Analyst Coverage

Zions Bancorporation, N.A. has been the subject of 10 research reports in the past 90 days, demonstrating strong analyst interest in this stock.

Earnings and Valuation

• Score: 1.9 / 5
• Proj. Earnings Growth: 4.82%

Earnings Growth

Earnings for Zions Bancorporation, N.A. are expected to grow by 4.82% in the coming year, from $5.39 to $5.65 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Zions Bancorporation, N.A. is 10.98, which means that it is trading at a less expensive P/E ratio than the market average P/E ratio of about 25.91.

Price to Earnings Ratio vs. Sector

The P/E ratio of Zions Bancorporation, N.A. is 10.98, which means that it is trading at a less expensive P/E ratio than the Finance sector average P/E ratio of about 20.04.

Price to Earnings Growth Ratio

Zions Bancorporation, N.A. has a PEG Ratio of 1.83. PEG Ratios above 1 indicate that a company could be overvalued.

Price to Book Value per Share Ratio

Zions Bancorporation, N.A. has a P/B Ratio of 1.37. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 4.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

2.22% of the float of Zions Bancorporation, N.A. has been sold short.

Short Interest Ratio / Days to Cover

Zions Bancorporation, N.A. has a short interest ratio ("days to cover") of 4.1.

Change versus previous month

Short interest in Zions Bancorporation, N.A. has recently decreased by 89.06%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 4.2 / 5
• Dividend Strength: Strong

Dividend Yield

Zions Bancorporation, N.A. pays a meaningful dividend of 3.06%, higher than the bottom 25% of all stocks that pay dividends.

Dividend Growth

Zions Bancorporation, N.A. has been increasing its dividend for 12 years.

Dividend Coverage

The dividend payout ratio of Zions Bancorporation, N.A. is 33.59%. This payout ratio is at a healthy, sustainable level, below 75%.

Dividend Sustainability

Based on earnings estimates, Zions Bancorporation, N.A. will have a dividend payout ratio of 30.44% next year. This indicates that Zions Bancorporation, N.A. will be able to sustain or increase its dividend.

Sustainability and ESG

• Score: 2.6 / 5
• Environmental Score: -0.55

Percentage of Shares Shorted

2.22% of the float of Zions Bancorporation, N.A. has been sold short.

Short Interest Ratio / Days to Cover

Zions Bancorporation, N.A. has a short interest ratio ("days to cover") of 4.1.

Change versus previous month

Short interest in Zions Bancorporation, N.A. has recently decreased by 89.06%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.3 / 5
• News Sentiment: 0.90

News Sentiment

Zions Bancorporation, N.A. has a news sentiment score of 0.90. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Finance companies.

News Coverage This Week

MarketBeat has tracked 9 news articles for Zions Bancorporation, N.A. this week, compared to 8 articles on an average week.

Search Interest

6 people have searched for ZION on MarketBeat in the last 30 days. This is an increase of 500% compared to the previous 30 days.

MarketBeat Follows

2 people have added Zions Bancorporation, N.A. to their MarketBeat watchlist in the last 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Zions Bancorporation, N.A. insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $13,906.00 in company stock.

Percentage Held by Insiders

Only 2.22% of the stock of Zions Bancorporation, N.A. is held by insiders.

Percentage Held by Institutions

76.84% of the stock of Zions Bancorporation, N.A. is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

ZION Stock Analysis - Frequently Asked Questions

How have ZION shares performed this year?

Zions Bancorporation, N.A.'s stock was trading at $54.25 on January 1st, 2025. Since then, ZION shares have increased by 3.6% and is now trading at $56.20.

How were Zions Bancorporation, N.A.'s earnings last quarter?

Zions Bancorporation, N.A. (NASDAQ:ZION) posted its earnings results on Monday, April, 21st. The bank reported $1.24 earnings per share for the quarter, beating analysts' consensus estimates of $1.20 by $0.04. The bank had revenue of $795 million for the quarter, compared to the consensus estimate of $792.49 million. Zions Bancorporation, N.A. had a net margin of 16.08% and a trailing twelve-month return on equity of 13.53%.
Read the conference call transcript.

Is Zions Bancorporation, N.A. buying back stock?

Zions Bancorporation, N.A.'s Board of Directors authorized a stock repurchase program on Monday, February 24th 2025, which permits the company to repurchase $40,000,000 in outstanding shares, according to EventVestor. This means that the company could purchase up to 0.5% of its stock through open market purchases. Stock buyback programs are often a sign that the company's leadership believes its stock is undervalued.

Does Zions Bancorporation, N.A. have any subsidiaries?

Zions Bancorporation, N.A. subsidiaries include these companies: Amegy Corporation, thinkXML, icomXpress, Vectra Banking, Amegy Holding Texas Inc., Exchange Services L.L.C., PPS Data LLC, and others.

Who are Zions Bancorporation, N.A.'s major shareholders?

Top institutional shareholders of Zions Bancorporation, N.A. include Wedge Capital Management L L P NC (0.48%), Wealth Enhancement Advisory Services LLC (0.04%), Global Financial Private Client LLC (0.02%) and Assenagon Asset Management S.A. (0.02%). Insiders that own company stock include Harris H Simmons, Paul E Burdiss, James R Abbott, Scott J Mclean, Steven Dan Stephens, Eric Ellingsen, Robert Ryan Richards, Jennifer Anne Smith, Thomas E Laursen, Terry Alan Shirey, Rebecca K Robinson, Alan M Forney, Claire A Huang, Bruce K Alexander, Mark Richard Young, Jason D Arbuckle and A Scott Anderson.
View institutional ownership trends.

How do I buy shares of Zions Bancorporation, N.A.?

Shares of ZION stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Zions Bancorporation, N.A. own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Zions Bancorporation, N.A. investors own include American Water Works (AWK), Waste Connections (WCN), Humana (HUM), DiamondRock Hospitality (DRH), iShares Micro-Cap ETF (IWC), The RMR Group (RMR) and AU Optronics (AUOTY).

Company Calendar

• Last Earnings: 4/21/2025
• Record date for 5/22 Dividend: 5/15/2025
• Ex-Dividend for 5/22 Dividend: 5/15/2025
• Dividend Payable: 5/22/2025
• Today: 7/11/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: BANKS - WEST
• Sub-Industry: Regional Banks
• Current Symbol: NASDAQ:ZION
• CIK: 109380
• Web: www.zionsbancorporation.com
• Phone: (801) 844-7637
• Fax: 801-524-2129
• Employees: 9,406
• Year Founded: 1873

Price Target and Rating

• Average Price Target for Zions Bancorporation, N.A.: $57.50
• High Price Target: $71.00
• Low Price Target: $40.00
• Potential Upside/Downside: +2.3%
• Consensus Rating: Hold
• Rating Score (0-4): 2.11
• Research Coverage: 19 Analysts

Profitability

• EPS (Trailing Twelve Months): $5.12
• Trailing P/E Ratio: 10.98
• Forward P/E Ratio: 10.43
• P/E Growth: 1.83
• Net Income: $784 million
• Net Margins: 16.08%
• Pretax Margin: 21.04%
• Return on Equity: 13.53%
• Return on Assets: 0.92%

Debt

• Debt-to-Equity Ratio: 0.71
• Current Ratio: 0.83
• Quick Ratio: 0.83

Sales & Book Value

• Annual Sales: $4.99 billion
• Price / Sales: 1.66
• Cash Flow: $6.14 per share
• Price / Cash Flow: 9.16
• Book Value: $41.01 per share
• Price / Book: 1.37

Miscellaneous

• Outstanding Shares: 147,570,000
• Free Float: 144,295,000
• Market Cap: $8.29 billion
• Optionable: Optionable
• Beta: 0.90