Zions Bancorporation National Association

ZION | NASDAQ

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$64.43

-$0.80 (-1.23%)

Sep 21, 2026, 12:35 PM ET · Market open

Overview Rating Statistics Financials Earnings Analysts Ownership Dividends Profile

Market Data

Market Cap $9.52B

Enterprise Value $-5.81B

Beta 0.77

Average Volume 1.54M

Shares Outstanding (Diluted) 146.21M

Shares Change YoY -0.57%

Institutional Ownership 78.64%

Exchange NASDAQ

ISIN US9897011071

Price Performance

Price Change 1M -7.5%

Price Change 3M -2.8%

Price Change 6M 18.5%

Price Change YTD 10.1%

Price Change 1Y 10.3%

Price Change 3Y 91.3%

Price Change 5Y 8.3%

1M CAGR (ann.) -7.0%

1Y CAGR (ann.) 16.9%

5Y CAGR (ann.) 6.2%

All-Time CAGR 1.0%

Valuation

PE Ratio 8.30

Forward PE 9.86

PEG Ratio 0.19

Forward PEG -0.58

PS Ratio 1.84

Forward PS 2.60

PB Ratio 1.24

P/FCF Ratio 8.15

P/Adj. FCF Ratio 8.23

P/OCF Ratio 4.34

EV/Sales -1.13

EV/EBIT -3.87

EV/EBITDA -3.66

EV/FCF -4.98

Earnings Yield 12.1%

FCF Yield 12.3%

Adj. FCF Yield 12.1%

Financial Health

Net Cash $15.33B

Total Debt $3.18B

Cash & Short-Term Investments $18.51B

Total Assets $89.04B

Current Ratio 0.28

Quick Ratio 0.28

Debt / Equity Ratio 0.41

Debt / EBITDA 2.00

Debt / FCF 2.72

OCF / Debt 0.41

Interest Coverage 1.05

Altman Z-Score -0.45

Piotroski F-Score 8

Margins & Profitability

Gross Profit Margin 71.4%

Operating Profit Margin 29.1%

EBITDA Margin 31.3%

Net Profit Margin 22.7%

FCF Margin 22.6%

Adj. FCF Margin 22.4%

SBC / Revenue 0.6%

SBC Impact (per share) -1.0%

Returns

Return on Assets 1.3%

Return on Equity 16.1%

Return on Invested Capital 9.4%

Return on Capital Employed 13.4%

Return on Tangible Assets 1.3%

Historical Growth (CAGR)

Revenue CAGR 3Y 8.0%

Revenue CAGR 5Y 11.6%

Revenue CAGR 10Y 8.0%

EPS CAGR 3Y 11.4%

EPS CAGR 5Y 3.4%

EPS CAGR 10Y 16.8%

FCF CAGR 3Y -1.8%

FCF CAGR 5Y 6.5%

FCF CAGR 10Y 9.1%

Analyst Forecasts

Analyst Rating Hold

Analyst Count 51

EPS Growth Next 3Y N/A

Revenue Growth Next 3Y N/A

Earnings Date N/A

EPS Estimate (next Q) N/A

EPS Growth Est (next Q) N/A

Revenue Est (next Q) N/A

Revenue Growth Est (next Q) N/A

Fair Value Estimates

Graham Number $96.42

Graham Upside 47.8%

Lynch Fair Value $39.30

Lynch Upside -39.8%

Price Target $76.73

Price Target Upside 17.6%

Cash Flow

Operating Cash Flow $1.29B

Free Cash Flow $1.17B

Adj. Free Cash Flow $1.16B

FCF Per Share $14.02

OCF Per Share $15.02

OCF/S Ratio 42.5%

Income Statement

Revenue $5.17B

Gross Profit $3.69B

Operating Income $1.5B

EBITDA $1.59B

Net Income $1.17B

EPS (Diluted) $7.86

Revenue / Employee $561.83K

Profit / Employee $127.35K

Employees 9,195

Dividends

Annual Dividend $1.83

Dividend Yield 2.81%

Payout Ratio 23.3%

FCF Payout Ratio 23.0%

Adj. FCF Payout Ratio 23.3%

Dividend Growth (YoY) 5.2%

Pay Frequency Quarterly

Ex-Dividend Date Aug 12, 2026