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ZION · NASDAQ · Banks - Regional

Zions Bancorporation

Banking western businesses and households through seven locally managed franchises.

$67.78
After-hours close−0.01 (−0.01%)
At close$67.79(−0.18%)
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Profile

Zions Bancorporation, National AssociationZIONFinancials

Provides commercial, small-business, retail, commercial-real-estate, capital-markets, investment-banking, and wealth-management services across the western United States. Seven locally managed bank brands share the risk, capital, technology, and back-office infrastructure of a single national bank.

Provides commercial and small-business banking, capital-markets and investment-banking services, commercial-real-estate lending, retail banking, and wealth management through seven locally managed affiliates across western states.

Customer-facing franchises—including Zions Bank, California Bank & Trust, and Amegy Bank—retain distinct brands and management teams. Shared governance, risk oversight, capital allocation, technology, and back-office infrastructure support the network under a single national-bank charter.

Business lending, deposits, and cash management anchor the commercial offering, alongside public finance, merchant processing, securities underwriting, advisory, and capital raising. Most lending is concentrated in Utah, Idaho, Texas, and California. Credit performance depends on borrower cash flows, collateral values, and economic conditions in those markets, while the operating model depends on centralized services working across all seven affiliates.

Company facts

CEOHarris H. Simmons
ListedMar 17, 1980
ExchangeNASDAQ
HeadquartersSalt Lake City, UT
CountryUnited States
Employees9,195
CIK0000109380
ISINUS9897011071

Categories

Key statistics

Market cap$9.89B
EPS (ttm)$7.86
P/E (ttm)8.62
ROE16.1%
P/B1.29
P/S1.91
Dividend yield2.70%
Beta0.89vs XLF 1.35

Year to date +14.4% · Average volume (30d) 1.5M

Analysts

Price target, next 12 months$75.50+11.4%Median of 51 analysts · vs the Aug 28 close
ConsensusHold18 of 51 analysts rate it buy or better

Ratings

Target range

Latest analyst notes

DateFirmActionPrior ratingRatingPrior targetTarget
Jul 23, 2026Evercore ISIDowngradeOutperformUnderperform
Jul 23, 2026Evercore ISI GroupDowngradeIn LineUnderperform
Jul 21, 2026DA DavidsonReiterateBuy$75$84
Jul 21, 2026RBC CapitalReiterateSector Perform$68$76
Jul 21, 2026StephensReiterateOverweight$65$80

Earnings

EPS

Estimate$1.62
ReportedDue Oct 19, 2026

Revenue

Estimate$890.5M
ReportedDue Oct 19, 2026

History

Report dateEPS estEPSSurpriseRevenue estRevenueSurpriseNext session
Jul 20, 2026Q2 FY26$1.57$3.05+94.3%$877.4M$878.0M+0.1%−3.95%
Apr 20, 2026Q1 FY26$1.43$1.56+9.1%$856.2M$849.0M−0.8%−1.63%
Jan 20, 2026Q4 FY25$1.57$1.75+11.5%$864.7M$891.0M+3.0%+4.21%
Oct 20, 2025Q3 FY25$1.46$1.54+5.5%$843.1M$861.0M+2.1%+1.39%
View details

Financial highlights

12 quartersQ1 FY25Q2 FY25Q3 FY25Q4 FY25Q1 FY26Q2 FY26
Revenue$1.20B$1.24B$1.25B$1.25B$1.18B$1.48B
Gross profit$777.0M$839.0M$812.0M$887.0M$856.0M$1.13B
Operating income$239.0M$312.0M$285.0M$339.0M$294.0M$583.0M
Net income$170.0M$244.0M$222.0M$263.0M$233.0M$453.0M
Diluted EPS$1.13$1.63$1.48$1.77$1.56$3.05
Gross margin64.8%67.6%64.8%70.9%72.4%76.7%
Operating margin19.9%25.1%22.7%27.1%24.9%39.4%

Fiscal years (4-quarter sums)FY21 $2.97B · FY22 $3.34B · FY23 $4.62B · FY24 $4.98B · FY25 $4.94B

Revenue by product · Q2 FY26

Products And Services, Commercial Account Fees$49.0M · 39%
Products And Services, Card Fees$36.0M · 29%
Products And Services, Retail And Business Banking Fees$20.0M · 16%
Products And Services, Wealth Management And Trust Fees$14.0M · 11%
Products And Services, Capital Markets And Foreign Exchange Fees$6.0M · 5%

Balance sheet, Jun 30, 2026Cash & short-term investments $21.37B · Total debt $3.18B · Total assets $89.04B · Shareholders' equity $7.68B

Dividends

Next ex-date
Nov 13, 2026
estimated · in 76 days
Annual dividend
$1.83
per share
Dividend yield
2.70%
Schedule
Quarterly
4 payments a year

Raised for 15 straight years — most recently to $0.48 from $0.45 in Aug 2026. To collect a payout, hold shares through the close before the ex-date.

History

Ex-dateRecordPaidAmountNote
Aug 13, 2026Aug 13Aug 20$0.48raised from $0.45
May 14, 2026May 14May 21$0.45
Feb 12, 2026Feb 12Feb 19$0.45
Nov 13, 2025Nov 13Nov 20$0.45
Aug 14, 2025Aug 14Aug 21$0.45raised from $0.43
May 15, 2025May 15May 22$0.43
Feb 13, 2025Feb 13Feb 20$0.43
Nov 14, 2024Nov 14Nov 21$0.43raised from $0.41
View details

Ownership

Institutions 92.31%134.71M sharesInsiders 1.28%1.86M sharesOther 6.41%9.37M shares

Shares outstanding 145.94M · Float 143.63M · 98.4% free float

Top shareholders13F · 13D/G · Form 4

HolderShares% outstandingFormFiled
BlackRock, Inc.14.20M9.73%13FAug 7, 2026
Vanguard Portfolio Management LLC11.11M7.61%13FAug 13, 2026
Dimensional Fund Advisors LP7.64M5.24%13FAug 11, 2026
Vanguard Capital Management LLC6.63M4.54%13FAug 13, 2026
State Street Corp5.93M4.06%13FAug 7, 2026

Insider tradesForm 4

DateInsiderRoleSharesAvg price
Aug 4, 2026Scott A. Lawofficer: Executive Vice President−4,608$72.42
Aug 3, 2026Scott J. Mcleanofficer, other: President−50,000$70.74
Aug 4, 2026Scott J. Mcleanofficer, other: President−33,285$70.63
Jul 28, 2026Derek Stewardofficer: Executive Vice President−894$69.65
Jul 28, 2026Scott J. Mcleanofficer, other: President−6,650
View details

Peers

  • Wells Fargo

    National-scale rival across western consumer and commercial banking

  • U.S. Bancorp

    Scaled western rival in business banking, payments, and wealth

  • Western Alliance

    Commercial-banking rival across Arizona, California, and Nevada

  • Fifth Third

    Commercial and wealth rival in Texas, Arizona, and California

  • East West Bancorp

    California-led rival in commercial banking and treasury services

  • BOK Financial

    Commercial, wealth, and capital-markets rival across the Southwest

  • UMB Financial

    Western commercial and institutional rival with broad product overlap

  • Glacier Bancorp

    Local-brand community bank rival across seven western footprint states

CompareAfter-hours close

CompanyPriceChange
Zions Bancorporation$67.78−0.01%$9.89B8.610.31.9+4.8%
Wells Fargo$86.69+0.01%$262.12B12.511.62.0+8.6%
U.S. Bancorp$62.47+0.01%$97.31B12.511.52.2+10.6%
Western Alliance$78.53−0.03%$8.57B8.87.51.7+17.7%
Fifth Third$54.60+0.14%$49.43B18.611.93.3+45.2%
East West Bancorp$129.44−0.02%$17.73B12.411.93.8+12.5%
BOK Financial$135.14−1.69%$8.35B12.913.32.5+4.8%
UMB Financial$144.59+0.07%$10.98B12.011.02.4+22.9%
Glacier Bancorp$46.88+0.02%$6.10B19.013.94.0+36.8%
Median12.511.72.4+15.1%