OakChart

Zions Bancorporation N.A

ZIONFinancial·Banks - Regional·USA·Mid·NASD·Nov 11 • 3:59 PM ET

66.54+0.22 (0.33%)
2026-11-11 23:54 CET
Market cap
9,612.82 USD m
Revenue, TTM
- USD m
Net income, TTM
1,193.00 USD m
Free cash flow, TTM
2,184.00 USD m
EPS diluted, TTM
8.15
P/E
8.16
Compare

Price

ZION against its 20, 50 and 200-day averages
2050200beat
60.0065.0070.002.0M4.1MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26ZIONclose 66.5420-day 65.4350-day 65.09200-day 64.0966.5452w high

9.3% under the 52-week high of 73.34 on 16 Jul 2026. 52-week low 48.50 on 18 Nov 2025. Last 15 sessions, 6.4% high to low

Volume 1.15× normal · the line is the 50-bar volume average

Profile

ZION
52-week range, 73% of the way up
48.5073.34

Zions Bancorporation NA is a bank holding company, which engages in the provision of full banking and related services. It operates through the following segments: Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. The company was founded on February 17, 1961, and is headquartered in Salt Lake City, UT.

IndexRUI
Employees9195
IPOMar 17, 1980
Beta0.84
ATR, 14d1.51
Rel volume1.15
Short float4.57%
Insider own1.58%
Inst own85.57%

Snapshot

6 groups

Valuation

IndexRUI
Market Cap9.64B
Enterprise Value-
Income1.19B
Sales5.15B
Book/sh52.56
Cash/sh-
Dividend Est.1.86 (2.79%)
Dividend TTM1.83 (2.75%)
Dividend Ex-DateNov 12, 2026
Dividend Gr. 3/5Y3.66% 5.29%
Payout29.30%
Employees9195
IPOMar 17, 1980

Ratios

P/E8.16
Forward P/E9.50
PEG1.14
P/S1.87
P/B1.27
P/C-
P/FCF4.42
EV/EBITDA-
EV/Sales-
Quick Ratio-
Current Ratio0.22
Debt/Eq0.46
LT Debt/Eq0.35
Option/ShortYes / Yes

Earnings

EPS (ttm)8.15
EPS next Y7.00
EPS next Q1.72
EPS this Y35.82%
EPS next Y-14.23%
EPS next 5Y8.36%
EPS past 3/5Y1.24% 14.71%
Sales past 3/5Y14.19% 10.90%
EPS Y/Y TTM45.87%
Sales Y/Y TTM4.23%
EPS Q/Q20.48%
Sales Q/Q-0.88%
EarningsOct 19 AMC
EPS/Sales Surpr.7.19% -0.28%

Ownership

Insider Own1.58%
Insider Trans-4.01%
Inst Own85.57%
Inst Trans3.27%
ROA1.33%
ROE16.45%
ROIC11.56%
Gross Margin-
Oper. Margin30.11%
Profit Margin23.15%
SMA201.70%
SMA502.23%
SMA2003.83%
Trades-

Technical

Shs Outstand144.94M
Shs Float142.65M
Short Float4.57%
Short Ratio4.34
Short Interest6.52M
52W High73.34 -9.27%
52W Low48.50 37.20%
Volatility3.05% 2.31%
ATR (14)1.51
RSI (14)57.13
Beta0.84
Rel Volume1.15
Avg Volume1.50M
Volume1,733,527

Performance

Perf Week-0.14%
Perf Month6.93%
Perf Quarter-7.08%
Perf Half Y11.57%
Perf YTD13.67%
Perf Year26.33%
Perf 3Y102.13%
Perf 5Y0.99%
Perf 10Y79.98%
Recom2.76
Target Price72.45
Prev Close66.32
Price66.54
Change %0.33%

Analyst ratings

latest 10 of 20
DateActionAnalystRating changeTargetImplied
Oct 15, 2026UpgradeRRobert W. BairdNeutral → Outperform$75+12.7%
Sep 14, 2026ResumedUUBSBuy$78+17.2%
Sep 08, 2026DowngradeMMorgan StanleyOverweight → Underweight$77+15.7%
Jul 23, 2026DowngradeEEvercore ISIOutperform → In-line$68+2.2%
Jul 21, 2026DowngradeJJP MorganNeutral → Underweight$75+12.7%
Jun 23, 2026DowngradeRRobert W. BairdOutperform → Neutral$68+2.2%
Jun 15, 2026ResumedSStephensOverweight
Mar 12, 2026ResumedBBrean CapitalNeutral
Mar 09, 2026UpgradeRRobert W. BairdNeutral → Outperform$65-2.3%
Mar 02, 2026UpgradeMMorgan StanleyEqual-Weight → Overweight$75+12.7%

Peers

Mkt cap
TickerCompanyMkt cap
WALWestern Alliance Bancorp8.14B
CFRCullen Frost Bankers Inc9.82B
COLBColumbia Banking System Inc8.49B
BOKFBOK Financial Corp7.94B
FHNFirst Horizon Corp11.08B
EWBCEast West Bancorp Inc17.91B
GBCIGlacier Bancorp Inc6.31B
KEYKeycorp22.64B
BANCBanc of California Inc2.84B
FIBKFirst Interstate BancSystem Inc3.50B

Insider trading

latest 14 of 48
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
Kyriakakis ChristopherEVP - Chief Risk OfficerNov 09 '26Sale67.052,703181,19336,700Nov 10 04:41 PM
Kyriakakis ChristopherOfficerNov 09 '26Proposed Sale67.032,703181,193Nov 09 04:39 PM
Arbuckle Jason D.OfficerNov 09 '26Proposed Sale66.4150433,471Nov 09 04:17 PM
MCLEAN SCOTT JPresidentAug 04 '26Option Exercise50.5237,2311,880,80191,863Aug 05 04:33 PM
MCLEAN SCOTT JPresidentAug 04 '26Sale70.6333,2852,350,92073,043Aug 05 04:33 PM
MCLEAN SCOTT JPresidentAug 03 '26Sale70.8432,0002,266,88022,491Aug 05 04:33 PM
MCLEAN SCOTT JPresidentAug 03 '26Sale70.5618,0001,270,01270,988Aug 05 04:33 PM
Law Scott A.Executive Vice PresidentAug 04 '26Option Exercise45.654,608210,35536,595Aug 05 04:33 PM
Law Scott A.Executive Vice PresidentAug 04 '26Sale72.424,608333,72732,890Aug 05 04:33 PM
Law Scott A.OfficerAug 04 '26Proposed Sale72.424,608333,727Aug 04 03:07 PM
MCLEAN SCOTT JOfficerAug 04 '26Proposed Sale70.6333,2852,350,920Aug 04 10:53 AM
MCLEAN SCOTT JOfficerAug 03 '26Proposed Sale70.5618,0001,270,012Aug 03 04:21 PM
Steward DerekExecutive Vice PresidentJul 28 '26Option Exercise45.6589440,81118,343Jul 29 04:55 PM
Steward DerekExecutive Vice PresidentJul 28 '26Sale69.6589462,26717,449Jul 29 04:55 PM

Held by

AUM
TickerCompanyAUM
IJHiShares Core S&P Mid-Cap ETFAUM: 124.48B
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
VBVanguard Morningstar Small-Cap ETFAUM: 79.59B
DFSVUS Small Cap Value Portfolio ETF Class SharesAUM: 8.52B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VBRVanguard Morningstar Small-Cap Value ETFAUM: 37.76B
SDVYFirst Trust SMID Cap Rising Dividend Achievers ETFAUM: 11.33B
VXFVanguard Extended Market Index ETFAUM: 30.47B
KBWBInvesco KBW Bank ETFAUM: 6.81B
MDYState Street SPDR S&P MIDCAP 400 ETF TrustAUM: 26.22B

News

latest 14 of 200
  • ZIONS BANK HELPS ENTREPRENEURS LEAD NATION IN SMALL BUSINESS GROWTH AS TOP SBA 7(A) LENDER IN IDAHO IN 2026 (PR Newswire)
  • ZIONS BANK HELPS ENTREPRENEURS LEAD NATION IN SMALL BUSINESS GROWTH AS TOP SBA 7(A) LENDER IN UTAH IN 2026 (PR Newswire)
  • ZIONS BANCORPORATION'S BOARD ANNOUNCES APPROVAL OF SHARE REPURCHASE AND DECLARES DIVIDENDS ON COMMON AND PREFERRED STOCK (PR Newswire)
  • CALIFORNIA BANK & TRUST NAMES MICHAEL MACDONALD AS PRESIDENT (PR Newswire)
  • Nasdaq Jumps Past 1 Percent as VIX Swings While Dow Dips Below Its 50-Day Line (PR Newswire)
  • Zions Bancorporation, National Association Reports Third Quarter Financial Results (PR Newswire)
  • Monday's Economic and Earnings Calendar (MarketWatch)
  • Stock Market Today: Dow, S&P 500 and Nasdaq set to bounce back ahead of crucial week of tech earnings (MarketWatch)
  • ZIONS CAPITAL MARKETS APPOINTS VINCE TOYE TO LEAD NEWLY ACQUIRED AGENCY MULTIFAMILY LENDING PLATFORM (PR Newswire)
  • Nike downgraded, Affirm upgraded: Wall Street's top analyst calls (The Fly)
  • ZIONS BANCORPORATION TO PRESENT AT THE BARCLAYS GLOBAL FINANCIAL SERVICES CONFERENCE (PR Newswire)
  • Westlake Securities Secures Expanded Senior Credit Facility for SolvChem with Amegy Bank (PR Newswire)
  • ZIONS BANCORPORATION COMPLETES ACQUISITION OF FANNIE MAE AND FREDDIE MAC MULTIFAMILY BUSINESS LINE FROM BASIS INVESTMENT GROUP (PR Newswire)
  • ZIONS BANCORPORATION'S BOARD ANNOUNCES APPROVAL OF SHARE REPURCHASE AND DECLARES DIVIDENDS ON COMMON AND PREFERRED STOCK (PR Newswire)

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-10-191.7801.6611.780887889.5220
2026Q22026-07-203.0501.5703.050878875.9211
2026Q12026-04-201.5601.4241.557849856.1718
2025Q42026-01-201.7601.5741.761891864.7321
2025Q32025-10-201.4801.4611.482861843.0816
2025Q22025-07-211.6301.3071.632838810.8719
2025Q12025-04-211.1301.1861.133795796.4317
2024Q42025-01-211.3401.2641.344821788.0218
2024Q32024-10-211.3701.1761.373792778.320
2024Q22024-07-221.2801.0941.285776761.6121
2024Q12024-04-220.9600.9470.957742742.7321
2023Q42024-01-220.7800.8800.779731754.0921
2023Q32023-10-181.1301.1131.131765764.2621
2023Q22023-07-191.1101.0791.117780750.3420
2023Q12023-04-191.3301.5271.331839845.219
2022Q42023-01-231.8401.6461.841873865.8320

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2017FY2.6002.8062.6002,6092,619
2018FY4.0804.0874.0822,7942,788
2019FY4.1704.2574.1612,8492,845
2020FY3.0202.4093.0252,8002,797
2021FY6.7706.7956.7902,9002,868
2022FY5.7905.6095.7903,1523,156
2023FY4.3504.6284.3453,1153,140
2024FY4.9504.8864.9523,1563,103
2025FY6.0105.8586.0103,3853,360
2026FY-8.163--3,522
2027FY-7.002--3,745
2028FY-7.646--3,953

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-10-301745902.8891.51919
2026Q4S2026-10-291745902.82891.51919
2026Q4S2026-10-231746902.58889919
2026Q4S2026-10-221746902.57889919
2026Q4S2026-10-201746902.51889919
2026Q4S2026-10-191732904.51882.96926
2026Q4S2026-10-131732904.51882.96926
2026Q4S2026-10-081733904.51882.96926
2026Q4S2026-10-071733904.29882.96926
2026Q4S2026-10-051733904.28882.96926
2026Q4S2026-10-041734904.28882.96926
2026Q4S2026-10-021749904.28882.96926
2026Q4S2026-10-0117210902.49882.96926
2026Q4S2026-09-3017211901.96882.96926

Estimate history

EPS, annual2.64.0824.1613.0256.795.794.3454.9526.0078.1534
Period201720182019202020212022202320242025TTM
EPS, quarterly1.3731.3441.1331.6321.4821.7611.5573.051.785
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual2737303232482947295633204628499449445154
Period201720182019202020212022202320242025TTM
Sales, quarterly127912521199124112531251118314781242
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual197.532187.554165.057164.09151.625148.664148.153147.871147.653144.943
Period201720182019202020212022202320242025MRQ
Shares, quarterly147.699147.871147.567147.603147.64147.653147.077145.939144.943
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Interest Income4,142.004,228.004,335.004,004.002,722.002,310.002,392.002,717.002,524.00
Total Interest Expense1,396.001,557.001,863.001,509.00185.0059.00152.00411.00251.00
Net Interest Income2,746.002,671.002,472.002,495.002,537.002,251.002,240.002,306.002,273.00
Loan Loss Provision-6.0072.0072.00132.00122.00-276.00414.0039.00-39.00
Net Interest Income After Loan Loss Provision2,752.002,599.002,400.002,363.002,415.002,527.001,826.002,267.002,312.00
Non-Interest Income1,012.00716.00659.00624.00598.00646.00555.00531.00508.00
Non-Interest Expense2,212.002,140.002,047.002,101.001,861.001,727.001,709.001,745.001,677.00
Operating Income1,552.001,175.001,012.00886.001,152.001,446.00672.001,053.001,143.00
Unusual Expense0.000.000.000.000.000.000.000.000.00
Net Income Before Taxes1,552.001,175.001,012.00886.001,152.001,446.00672.001,053.001,143.00
Income Taxes340.00276.00228.00206.00245.00317.00133.00237.00259.00
Consolidated Net Income1,197.00888.00776.00674.00899.001,117.00535.00810.00877.00
Net Income From Continuing Operations1,197.00888.00776.00674.00899.001,117.00535.00810.00877.00
Net Income1,193.00884.00729.00642.00870.001,088.00501.00776.00843.00
EPS (Recurring)8.226.014.954.355.796.793.034.164.08
EPS (Basic, Before Extraordinaries)8.166.014.954.355.806.803.064.414.35
EPS (Diluted)8.156.014.954.345.796.793.034.164.08
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.000.00
Other After Tax Adjustments-15.00-11.00-8.00-6.00-8.00-12.00-4.00-6.00-7.00
Stock Option Compensation Expense46.5845.0038.0042.0019.0028.0018.0016.007.20
Price To Earnings Ratio8.138.1312.358.099.309.3214.2212.469.92
Price To Sales Ratio1.761.741.601.402.233.422.442.982.77
Operating Margin30.1123.7720.2619.1434.7048.9222.8032.4237.70
Net Margin23.1517.8814.6013.8726.2036.8117.0023.8927.80
Shares Outstanding144.94147.65147.87148.15148.66151.62164.09165.06187.55
Market Capitalization9,612.829,612.828,013.326,499.307,355.229,882.207,124.688,850.497,829.62

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Interest Income1,055.001,028.001,008.001,051.001,079.001,063.001,035.001,071.00
Total Interest Expense362.00342.00334.00358.00392.00403.00404.00435.00
Net Interest Income693.00686.00674.00693.00687.00660.00631.00636.00
Loan Loss Provision-8.003.00-7.006.0049.00-1.0018.0041.00
Net Interest Income After Loan Loss Provision701.00683.00681.00687.00638.00661.00613.00595.00
Non-Interest Income187.00450.00175.00200.00174.00178.00164.00181.00
Non-Interest Expense552.00550.00562.00548.00527.00527.00538.00506.00
Operating Income336.00583.00294.00339.00285.00312.00239.00270.00
Unusual Expense0.000.000.000.000.000.000.000.00
Net Income Before Taxes336.00583.00294.00339.00285.00312.00239.00270.00
Income Taxes73.00130.0061.0076.0063.0068.0069.0054.00
Consolidated Net Income260.00447.00230.00260.00219.00241.00168.00214.00
Net Income From Continuing Operations260.00447.00230.00260.00219.00241.00168.00214.00
Net Income259.00446.00229.00259.00218.00240.00167.00198.00
EPS (Recurring)1.793.051.561.761.481.631.131.34
EPS (Basic, Before Extraordinaries)1.793.051.561.761.481.631.131.34
EPS (Diluted)1.793.051.561.761.481.631.131.34
Non-Operating Income (Expense)0.000.000.000.000.000.000.000.00
Other After Tax Adjustments-3.00-6.00-3.00-3.00-3.00-3.00-2.00-2.00
Stock Option Compensation Expense5.534.7414.2222.094.744.7413.4315.88
Price To Earnings Ratio8.1310.769.5910.4710.3210.1210.0612.35
Price To Sales Ratio1.761.961.721.741.681.541.471.60
Operating Margin27.0539.4524.8527.1022.7525.1419.9321.57
Net Margin20.8530.1819.3620.7017.4019.3413.9315.81
Shares Outstanding144.94145.94147.08147.65147.64147.60147.57147.87
Market Capitalization9,612.8210,177.308,521.368,642.908,352.577,664.847,357.498,013.32

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY2017FY
Cash & Due from Banks683.00651.00716.00657.00595.00543.00705.00614.00548.00
Investments22,824.0024,080.0024,025.0028,250.0037,893.0024,256.0016,381.0018,327.0017,958.00
Net Loans60,239.0058,714.0057,095.0055,078.0050,338.0052,699.0048,214.0046,219.0044,262.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.000.000.000.00
Customer Liability on Acceptances0.000.000.000.000.000.000.000.000.00
Real Estate Assets5.001.006.003.008.004.008.004.004.00
Net Property, Plant & Equipment1,570.001,554.001,572.001,581.001,514.001,422.001,360.001,124.001,094.00
Interest Receivables340.00341.00364.00322.00226.00254.000.000.000.00
Deferred Tax Assets714.00904.00999.001,100.00379.00363.00310.00325.00275.00
Other Intangible Assets2,615.002,530.002,426.002,554.002,530.002,301.002,467.002,328.002,329.00
Total Assets88,990.0088,775.0087,203.0089,545.0093,483.0081,842.0069,445.0068,941.0066,470.00
Total Deposits75,644.0076,223.0074,961.0071,652.0082,789.0069,653.0057,085.0054,101.0052,621.00
Total Debt4,833.005,022.005,119.0011,266.002,137.003,148.004,022.006,377.005,359.00
Long Term Debt1,687.001,190.00740.00721.001,234.001,576.001,969.00724.00383.00
Provision for Risks Charges46.0045.0045.0061.0040.0058.0059.0057.0058.00
Deferred Tax Liabilities----283.00360.00273.00195.00182.00
Other Liabilities1,287.001,361.001,387.001,673.00771.00737.00653.00633.00571.00
Total Liabilities81,810.0082,651.0081,512.0084,652.0086,020.0073,956.0062,092.0061,363.0058,791.00
Preferred Stock - Carrying Value66.0066.00440.00440.00440.00566.00566.00566.00566.00
Common Equity7,114.006,058.005,251.004,453.007,023.007,320.006,787.007,012.007,113.00
Total Shareholders Equity7,180.006,124.005,691.004,893.007,463.007,886.007,353.007,578.007,679.00
Accumulated Minority Interest0.000.000.000.000.000.000.000.000.00
Total Equity7,180.006,124.005,691.004,893.007,463.007,886.007,353.007,578.007,679.00
Total Liabilities & Stockholders Equity88,990.0088,775.0087,203.0089,545.0093,483.0081,842.0069,445.0068,941.0066,470.00
Book Value Per Share48.1840.9735.4429.9546.3244.6141.1237.3936.01
Tangible Book Value Per Share40.7933.8528.3022.7939.6238.4234.9831.9730.87
Tier 1 Capital8,003.007,430.007,303.006,921.006,508.006,579.006,285.006,811.006,805.00
Tier 2 Capital1,507.001,596.001,250.001,156.001,144.001,283.001,126.00639.00823.00
Full-Time Employees9,1959,4069,6799,9899,6859,67810,18810,20110,083
Price to Book Ratio1.261.351.331.731.360.971.261.091.41
Return on Assets1.000.880.760.981.270.711.171.300.90
Return on Equity13.3513.1412.7414.5514.557.0210.8511.507.67
Return on Invested Capital10.0110.6110.4816.0112.845.658.6910.567.28
Current Ratio0.360.350.250.410.320.230.350.300.26

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY2018FY
Funds from Operations1,822.001,126.001,038.001,033.001,080.00787.00978.001,053.001,037.00
Extraordinary Item0.000.000.000.000.000.000.000.000.00
Changes in Working Capital492.00-24.0097.00-130.00435.00-65.00-166.00-193.0088.00
Cash from Operating Activities2,314.001,102.001,135.00903.001,515.00722.00812.00860.001,125.00
Capital Expenditures-130.00-121.00-97.00-113.00-190.00-206.00-171.00-117.00-129.00
Net Assets From Acquisitions-47.00191.000.000.00318.000.000.000.000.00
Sale of Fixed Assets and Businesses-191.000.000.000.000.000.000.000.000.00
Purchase or Sale of Investments-380.001,913.00172.004,623.005,785.00-14,325.00-7,471.002,371.00-592.00
Purchase of Investments-2,385.00-1,388.00-2,893.00-524.00-6,619.00-19,593.00-12,275.00-2,149.00-4,076.00
Sale Or Maturity of Investments2,005.003,301.003,065.005,147.0012,404.005,268.004,804.004,520.003,484.00
Other Uses--19.00--15.00----0.00
Other Sources--12.00-27.0031.0042.002.000.00
Cash from Investing Activities-3,245.00709.00-1,627.002,352.001,360.00-11,672.00-12,297.00215.00-2,655.00
Cash Dividends Paid-276.00-267.00-289.00-282.00-269.00-261.00-259.00-260.00-236.00
Change in Capital Stock-207.00-35.00-400.00-48.00-193.00-905.00-68.00-1,088.00-664.00
Repurchase of Common Pref Stock-227.00-41.00-410.00-51.00-202.00-926.00-76.00-1,102.00-684.00
Sale of Common Pref Stock20.006.0010.003.009.0021.008.0014.0020.00
Proceedsfrom Stock Options20.006.0010.003.009.0021.008.0014.0020.00
Issuance or Reduction of Debt, Net-1,686.00-230.00-139.00-6,166.009,224.00-955.00-910.00-2,608.001,012.00
Change in Long Term Debt996.00498.00408.00-128.00-290.00-286.00-429.00992.00335.00
Issuance of Long Term Debt996.00498.00496.000.000.000.000.00992.00497.00
Reduction of Long Term Debt0.000.00-88.00-128.00-290.00-286.00-429.000.00-162.00
Net Financing Active Other Cash Flow-15.00-11.00-7.00-9.00-8.00-13.00-8.00-9.000.00
Other Financing Activities Uses-15.00-11.00-7.00-9.00-8.00-13.00-8.00-9.00-
Cash from Financing Activities887.00-1,779.00427.00-3,196.00-2,813.0011,002.0011,323.00-981.001,596.00
Net Change in Cash-44.0032.00-65.0059.0062.0052.00-162.0091.0066.00
Free Cash Flow2,184.00981.001,038.00790.001,325.00516.00641.00743.00996.00
Preferred Dividends (Cash Flow)--4.00-41.00---29.00-34.00-34.00-
Price to Free Cash Flow4.7612.0710.6612.767.0039.6918.8320.0511.07
Federal Home Loan Advances Increase (Decrease)-0.000.000.000.000.000.000.000.00

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Due from Banks727.00793.00661.00683.00771.00780.00
Investments23,395.0021,588.0021,766.0022,824.0022,861.0022,652.00
Net Loans61,827.0061,819.0060,645.0060,239.0059,623.0060,143.00
Investment in Unconsolidated Affiliates0.000.000.000.000.000.00
Net Property, Plant & Equipment1,565.001,562.001,565.001,570.001,563.001,550.00
Interest Receivables331.00338.00324.00340.00335.00341.00
Deferred Tax Assets722.00673.00684.00714.00756.00803.00
Other Intangible Assets2,349.002,262.002,298.002,615.002,619.002,619.00
Total Assets90,920.0089,041.0087,957.0088,990.0088,533.0088,893.00
Total Deposits77,948.0076,608.0076,907.0075,644.0074,878.0073,800.00
Total Debt3,522.003,431.002,604.004,833.005,486.007,281.00
Long Term Debt2,668.002,190.002,189.001,687.001,718.001,189.00
Provision for Risks Charges51.0045.0046.0046.0046.0042.00
Other Liabilities1,715.001,276.001,104.001,287.001,258.001,174.00
Total Liabilities83,236.0081,360.0080,661.0081,810.0081,668.0082,297.00
Preferred Stock - Carrying Value66.0066.0066.0066.0066.0066.00
Common Equity7,618.007,615.007,230.007,114.006,799.006,530.00
Total Shareholders Equity7,684.007,681.007,296.007,180.006,865.006,596.00
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity7,684.007,681.007,296.007,180.006,865.006,596.00
Total Liabilities & Stockholders Equity90,920.0089,041.0087,957.0088,990.0088,533.0088,893.00
Book Value Per Share52.5652.1849.1648.1846.0544.24
Tangible Book Value Per Share43.5044.7441.7540.7938.6436.81
Tier 1 Capital8,335.008,434.008,116.008,003.007,800.007,637.00
Tier 2 Capital1,444.001,483.001,494.001,507.001,604.001,606.00
Full-Time Employees8,9969,0399,0909,195--
Price to Book Ratio1.261.411.201.271.281.22
Return on Assets1.331.301.081.000.960.95
Return on Equity16.4516.1913.9513.3512.7113.23
Return on Invested Capital2.514.532.422.932.553.10
Current Ratio0.220.150.140.360.160.13

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Funds from Operations365.00402.00651.00404.00268.00211.00
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital401.00235.00-188.0044.00124.00-157.00
Cash from Operating Activities766.00637.00463.00448.00392.0054.00
Capital Expenditures-34.00-33.00-25.00-38.00-25.00-31.00
Net Assets From Acquisitions-238.000.000.00191.000.000.00
Sale of Fixed Assets and Businesses0.000.000.00-191.000.000.00
Purchase or Sale of Investments-1,848.00190.001,114.00164.00-48.00194.00
Purchase of Investments-1,389.00-512.00-340.00-144.00-163.00-527.00
Sale Or Maturity of Investments-459.00702.001,454.00308.00115.00721.00
Other Uses---7.00-7.000.00-
Other Sources2.00-----
Cash from Investing Activities-2,149.00-903.00388.00-581.00405.00-747.00
Cash Dividends Paid-72.00-68.00-68.00-68.00-68.00-65.00
Preferred Dividends (Cash Flow)-1.00-1.00-1.00-1.00-1.00-1.00
Change in Capital Stock-72.00-72.00-63.000.002.000.00
Repurchase of Common Pref Stock-75.00-75.00-77.000.000.000.00
Sale of Common Pref Stock3.003.0014.000.002.000.00
Proceedsfrom Stock Options3.003.0014.000.002.000.00
Issuance or Reduction of Debt, Net122.00838.00-1,993.00-653.00-1,817.002,596.00
Change in Long Term Debt498.001.00497.000.00498.000.00
Issuance of Long Term Debt498.001.00497.000.00498.000.00
Reduction of Long Term Debt0.000.000.000.000.000.00
Net Financing Active Other Cash Flow-1.00-1.00-12.00-1.000.001.00
Other Financing Activities Uses-1.00-1.00-12.00-1.000.001.00
Cash from Financing Activities1,317.00398.00-873.0045.00-806.00640.00
Net Change in Cash-66.00132.00-22.00-88.00-9.00-53.00
Free Cash Flow732.00604.00438.00410.00367.0023.00
Price to Free Cash Flow4.766.548.7412.0611.0414.58

Revenue breakdown

Card Fees2024: 144.00M 2025: 139.00M
Commercial Account Fees2024: 182.00M 2025: 185.00M
Other Customer-Related Fees2024: 55.00M 2025: 58.00M
Products And Services, Capital Markets Fees2024: 11.00M 2025: 19.00M
Retail And Business Banking Fees2024: 67.00M 2025: 74.00M
Wealth Management Fees2024: 54.00M 2025: 54.00M
United States2024: 513.00M 2025: 529.00M
Amegy Corporation2024: 131.00M 2025: 138.00M
California Bank And Trust2024: 74.00M 2025: 81.00M
Commerce Bank Of Washington2024: 6.00M 2025: 6.00M
Consolidation, Policy2024: 33.00M 2025: 35.00M
National Bank Of Arizona2024: 39.00M 2025: 40.00M
Nevada State Bank2024: 46.00M 2025: 46.00M
Vectra Bank Colorado2024: 27.00M 2025: 28.00M
Zions Bank2024: 157.00M 2025: 155.00M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-304.57%6.5M142.7M1.46M
2026-10-155.11%7.3M143.6M1.49M
2026-09-304.45%6.4M143.6M1.53M
2026-09-154.15%6.0M143.7M1.55M
2026-08-313.82%5.5M143.7M1.62M
2026-08-143.82%5.5M143.7M1.61M
2026-07-313.81%5.5M143.6M1.64M
2026-07-154.88%7.0M143.6M1.59M
2026-06-304.51%6.5M144.8M1.57M
2026-06-154.75%6.9M144.7M1.58M
2026-05-294.41%6.4M144.8M1.56M
2026-05-153.33%4.8M144.8M1.66M
2026-04-302.92%4.2M144.8M1.80M
2026-04-153.13%4.5M144.8M1.92M
2026-03-313.43%5.0M145.7M1.91M
2026-03-133.47%5.1M145.7M1.81M
2026-02-273.23%4.7M145.7M1.78M
2026-02-133.17%4.6M145.7M1.70M
2026-01-303.67%5.3M145.1M1.57M
2026-01-154.40%6.4M145.5M1.86M

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call27.5037.9040.100.004.1840.000.000.994-0.0200.002
call30.0035.4037.600.003.8230.000.000.993-0.0210.002
call32.5032.9035.100.003.4910.000.000.993-0.0210.002
call35.0030.4032.600.003.1850.000.000.992-0.0210.002
call37.5027.9030.100.002.8990.000.000.991-0.0210.002
call40.0025.4027.6022.772.6310.000.000.990-0.0200.003
call42.5023.3025.1023.702.3793.005.000.989-0.0200.003
call45.0020.6022.2021.301.8776.0010.000.988-0.0200.003
call47.5018.4020.1018.801.90911.0035.000.986-0.0200.003
call50.0015.4017.3016.301.52616.0070.000.984-0.0200.004
call52.5012.9015.109.401.4751.000.000.961-0.0440.009
call55.0010.4012.6011.301.2679.0050.000.954-0.0430.010
call57.508.209.608.900.84839.004,9000.945-0.0400.011
call60.005.407.606.400.8562,0245,9000.866-0.0800.022
call62.502.905.103.800.6451442610.800-0.0830.029
call65.001.552.251.740.32671935.000.659-0.0870.038
call67.500.350.800.620.2927680.000.421-0.0910.040
call70.000.050.200.270.2887500.000.218-0.0700.031
call72.500.000.250.090.4183320.000.113-0.0500.020
call75.000.000.350.030.5352,4030.000.082-0.0480.016
call77.500.000.350.130.6431060.000.071-0.0510.014
call80.000.000.350.100.7431670.000.063-0.0540.013
call82.500.000.300.900.73665.000.000.035-0.0330.008
call85.000.000.350.400.8187.000.000.032-0.0340.007
call90.000.000.350.000.9710.000.000.027-0.0360.007
call95.000.000.350.001.1120.000.000.024-0.0370.006
call1000.000.350.001.2430.000.000.022-0.0390.005
put27.500.000.050.302.28827.000.00-0.006-0.0200.002
put30.000.000.450.362.1951.000.00-0.006-0.0220.002
put32.500.000.450.701.9913.000.00-0.007-0.0220.002
put35.000.000.050.091.7037.000.00-0.008-0.0200.002
put37.500.000.050.021.53511.000.00-0.008-0.0190.002
put40.000.000.050.021.37716.000.00-0.009-0.0190.003
put42.500.000.050.061.22820.000.00-0.010-0.0190.003
put45.000.000.050.031.08629.000.00-0.012-0.0180.003
put47.500.000.200.091.0103950.00-0.013-0.0200.003
put50.000.000.150.020.87482.000.00-0.015-0.0190.004
put52.500.000.200.070.89781.000.00-0.038-0.0440.009
put55.000.000.250.050.7499950.00-0.045-0.0420.010
put57.500.000.150.090.6055682.00-0.055-0.0390.011
put60.000.000.450.250.6255500.00-0.133-0.0790.022
put62.500.200.500.780.4673510.00-0.199-0.0820.029
put65.000.251.150.750.4472753.00-0.340-0.0850.038
put67.501.652.702.620.5292190.00-0.578-0.0890.040
put70.002.905.205.450.7552330.00-0.781-0.0670.031
put72.505.207.3010.330.83114.000.00-0.887-0.0470.020
put75.007.7010.300.001.1400.000.00-0.917-0.0440.016
put77.5010.2012.800.001.2940.000.00-0.929-0.0470.014
put80.0012.7014.8012.001.2743.000.00-0.937-0.0500.013
put82.5015.8017.800.001.5690.000.00-0.965-0.0290.008
put85.0017.9020.300.001.6940.000.00-0.968-0.0300.007
put90.0022.7025.300.001.9230.000.00-0.972-0.0310.007
put95.0027.7030.300.002.1310.000.00-0.975-0.0320.006
put10033.3035.100.002.2440.000.00-0.977-0.0330.005

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-104Statement of changes in beneficial ownership of securities2026-11-09SEC
2026-11-09144Filing for proposed sale of securities under Rule 144.SEC
2026-11-09144Filing for proposed sale of securities under Rule 144.SEC
2026-11-0613F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-09-30SEC
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-198-KCurrent report2026-10-19SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-10-014Statement of changes in beneficial ownership of securities2026-09-30SEC
2026-09-213Initial statement of beneficial ownership of securities2026-09-21SEC
2026-09-093Initial statement of beneficial ownership of securities2026-09-07SEC
2026-09-098-KCurrent report2026-09-07SEC
2026-09-03SCHEDULE 13GSEC
2026-09-03SCHEDULE 13GSEC
2026-09-03SCHEDULE 13G/ASEC
2026-08-17N-PXAnnual Report of Proxy Voting Record of Registered Management Investment Companies filed on Form N-PX2026-06-30SEC
2026-08-114Statement of changes in beneficial ownership of securities2026-08-11SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-054Statement of changes in beneficial ownership of securities2026-08-03SEC
2026-08-054Statement of changes in beneficial ownership of securities2026-08-04SEC
2026-08-04144Filing for proposed sale of securities under Rule 144.SEC
2026-08-04144Filing for proposed sale of securities under Rule 144.SEC
2026-08-044Statement of changes in beneficial ownership of securities2026-07-31SEC
2026-08-03144Filing for proposed sale of securities under Rule 144.SEC
2026-07-3113F-HRFurther understand that each of 13F-HR, 13F-NT, and amendments thereto are mandatory electronic filings (hardship exemption exists to submit in paper; never used to the knowledge of IM staff);2026-06-30SEC
2026-07-294Statement of changes in beneficial ownership of securities2026-07-28SEC
2026-07-294Statement of changes in beneficial ownership of securities2026-07-28SEC
2026-07-28144Filing for proposed sale of securities under Rule 144.SEC
2026-07-208-KCurrent report2026-07-20SEC
2026-07-014Statement of changes in beneficial ownership of securities2026-06-30SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-1100181.19K1
2026-100000
2026-090000
2026-08006.22M4
2026-070062.27K1
2026-060000
2026-0500297.70K2
2026-040000
2026-030000
2026-02265.63K13.50M7
2026-010000
2025-120000
2025-110000

Institutional holders

Manager% owned
BlackRock, Inc.9.65%
VANGUARD PORTFOLIO MANAGEMENT LLC7.55%
DIMENSIONAL FUND ADVISORS LP5.35%
VANGUARD CAPITAL MANAGEMENT LLC4.51%
STATE STREET CORP4.03%
LSV ASSET MANAGEMENT2.52%
GEODE CAPITAL MANAGEMENT, LLC2.27%
MORGAN STANLEY2.07%
TWO SIGMA INVESTMENTS, LP1.90%
FULLER & THALER ASSET MANAGEMENT, INC.1.80%

Funds

Fund% owned
iShares Core S&P Mid-Cap ETF3.43%
AVIP Core Plus Bond Portfolio2.72%
Short Duration Bond Fund2.57%
Global Bond Fund2.47%
Short Duration Fund2.46%
Short Duration Strategic Income Fund1.99%
American Century Diversified Corporate Bond ETF1.53%
AVIP Constellation Dynamic Risk Balanced Portfolio1.36%
First Trust SMID Cap Rising Dividend Achievers ETF1.09%
FMI Common Stock Fund0.91%

OakChart. ZION. Cached 15 minutes.