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Company Analysis

Zions Bancorporation N.A. ZION

A comprehensive view of key metrics, scores, and financial health for Zions Bancorporation N.A.

Overview of Zions Bancorporation, National Association

ZION NMS
Financial Services Banks - Regional Mid Cap
Zions Bancorporation, National Association (ZION), is a Mid Cap company, in the Banks - Regional industry, last closed at $53.10, about 9.9% overvalued vs fair value, +8.6% 1Y return, ranked 496/1004 in sector.
$53.10
-2.10%
As of March 13, 2026
Previous close • Vol 90d: 29.6%
52-Week Range
Market Cap
$8.24B
Enterprise Value
$12.14B
Overall Score
Scores locked

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Top Beats
No strong beats yet

Quick Facts

Website https://www.zionsbancorporatio...
HQ Salt Lake City, UT
Employees 9,195
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$27
$48
$90
Current: $53.10 -10% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$4.3B
8.8%%
Interest Expense
$1.6B
Net Interest Income
$2.4B
-0.3%%
Total Revenue
$4.9B
58%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.0%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$308.0M
42.2% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Zions Bancorporation N.A.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
61
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
76
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 91% Coverage
Trade-Off Triangle Visualization A ternary plot showing ZION's balance between Growth (23.3%), Profitability (36.7%), and Safety (39.9%). Growth 23% Safety 40% Profitability 37%

Click axes to expand details. Marker shows current allocation.

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Growth

38th percentile vs peers
39
Key Signals
Rev Growth YoY 58.0% 51p Revenue CAGR 3Y 16.2% 39p Asset Growth YoY 0.2% 21p
Strengths
  • Roe in top 20% of peers (13.3%, 85th percentile)
  • Roe in top 20% of peers (13.3%, 85th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks
  • Growth below peer median (percentile: 38)

Profitability

61th percentile vs peers
61
Key Signals
Strengths
Risks
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Safety

66th percentile vs peers
66
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Zions Bancorporation N.A..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
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Bear
-
- - -
- upside
-
Base
$47.84
- - -
-9.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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