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Company Analysis

Zions Bancorporation N.A. - Dep ZIONP

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

Overview of Zions Bancorporation, National Association

ZIONP NGM
Financial Services Banks - Regional
Zions Bancorporation, National Association (ZIONP), in the Banks - Regional industry, last closed at $19.23, about 0.0% overvalued vs fair value, -19.1% 1Y return, ranked 311/1004 in sector.
$19.23
0.00%
As of March 13, 2026
Previous close • Vol 90d: 12.2%
52-Week Range
Enterprise Value
-
Overall Score
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Top Beats

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

Insufficient data

Engine Room Money Flow™

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. - Dep's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
56
/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 ZIONP's balance between Growth (23.3%), Profitability (36.7%), and Safety (40.0%). 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% 40p 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. - Dep.

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Fair Value Range Current: $-
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