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Zions Bancorporation, National Association ZION

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Price alert · ZION

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66.63 USD +0.88 (+1.34%)

At closeNov 4, 2026, 5:30 PM EST

66.63 0.00 0.00%

After hours · Nov 4, 5:30 PM ET

65.86 Day range 68.20
48.50 52-week range 73.34
YTD
+13.82%
1 year
+29.50%

Financial health

Altman Z-Score

-0.43 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

8 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

A4 / 5 overall

  • DCF 4
  • Return on Equity 4
  • Return on Assets 4
  • Debt / Equity 3
  • P/E 4
  • P/B 3

Valuation

P/E 9.6×
FY 2016: 21.5×FY 2017: 18.8×FY 2018: 9.3×FY 2019: 11.8×FY 2020: 14.2×FY 2021: 9.3×FY 2022: 8.5×FY 2023: 10.1×FY 2024: 11.0×FY 2025: 9.6×
FY 2016 5y median 9.6× FY 2025
P/S 1.7×
FY 2016: 3.6×FY 2017: 3.7×FY 2018: 2.6×FY 2019: 2.8×FY 2020: 2.4×FY 2021: 3.4×FY 2022: 2.2×FY 2023: 1.4×FY 2024: 1.6×FY 2025: 1.7×
FY 2016 5y median 1.7× FY 2025
P/B 1.2×
FY 2016: 1.1×FY 2017: 1.3×FY 2018: 1.0×FY 2019: 1.2×FY 2020: 0.9×FY 2021: 1.4×FY 2022: 1.5×FY 2023: 1.1×FY 2024: 1.3×FY 2025: 1.2×
FY 2016 5y median 1.3× FY 2025
P/FCF 8.8×
FY 2016: 21.9×FY 2017: 13.4×FY 2018: 7.5×FY 2019: 15.8×FY 2020: 13.0×FY 2021: 23.9×FY 2022: 5.8×FY 2023: 8.4×FY 2024: 7.6×FY 2025: 8.8×
FY 2016 5y median 8.4× FY 2025
EV/EBITDA 7.8×
FY 2016: 9.6×FY 2017: 12.8×FY 2018: 9.8×FY 2019: 9.2×FY 2020: 11.1×FY 2021: 0.8×FY 2022: 13.0×FY 2023: 8.6×FY 2024: 7.8×FY 2025: 7.8×
FY 2016 5y median 7.8× FY 2025
EV/Sales 2.0×
FY 2016: 3.2×FY 2017: 5.2×FY 2018: 4.3×FY 2019: 3.5×FY 2020: 2.9×FY 2021: 0.4×FY 2022: 4.9×FY 2023: 1.9×FY 2024: 1.8×FY 2025: 2.0×
FY 2016 5y median 1.9× FY 2025
FCF Yield 11.4%
FY 2016: 4.6%FY 2017: 7.4%FY 2018: 13.3%FY 2019: 6.3%FY 2020: 7.7%FY 2021: 4.2%FY 2022: 17.4%FY 2023: 11.9%FY 2024: 13.2%FY 2025: 11.4%
FY 2016 5y median 11.9% FY 2025

Profitability

Gross Margin 67.1%
FY 2016: 92.7%FY 2017: 94.7%FY 2018: 93.0%FY 2019: 86.1%FY 2020: 80.8%FY 2021: 107.3%FY 2022: 90.8%FY 2023: 64.5%FY 2024: 61.2%FY 2025: 67.1%
FY 2016 5y median 67.1% FY 2025
Operating Margin 23.8%
FY 2016: 28.5%FY 2017: 34.2%FY 2018: 37.7%FY 2019: 32.4%FY 2020: 22.8%FY 2021: 48.7%FY 2022: 34.5%FY 2023: 19.2%FY 2024: 20.3%FY 2025: 23.8%
FY 2016 5y median 23.8% FY 2025
Net Margin 18.2%
FY 2016: 19.0%FY 2017: 21.6%FY 2018: 29.1%FY 2019: 25.1%FY 2020: 18.3%FY 2021: 38.0%FY 2022: 27.2%FY 2023: 14.7%FY 2024: 15.7%FY 2025: 18.2%
FY 2016 5y median 18.2% FY 2025
ROE 12.5%
FY 2016: 6.1%FY 2017: 7.7%FY 2018: 11.7%FY 2019: 11.1%FY 2020: 6.8%FY 2021: 15.1%FY 2022: 18.5%FY 2023: 11.9%FY 2024: 12.8%FY 2025: 12.5%
FY 2016 5y median 12.8% FY 2025
ROIC 6.7%
FY 2016: 4.7%FY 2017: 4.3%FY 2018: 6.0%FY 2019: 6.8%FY 2020: 4.6%FY 2021: 10.8%FY 2022: 5.1%FY 2023: 5.6%FY 2024: 6.2%FY 2025: 6.7%
FY 2016 5y median 6.2% FY 2025
ROA 1.0%
FY 2016: 0.7%FY 2017: 0.9%FY 2018: 1.3%FY 2019: 1.2%FY 2020: 0.7%FY 2021: 1.2%FY 2022: 1.0%FY 2023: 0.8%FY 2024: 0.9%FY 2025: 1.0%
FY 2016 5y median 1.0% FY 2025

Growth (YoY)

Revenue -1.0%
FY 2016: 12.8%FY 2017: 10.8%FY 2018: 10.9%FY 2019: 7.0%FY 2020: -9.3%FY 2021: 1.0%FY 2022: 12.4%FY 2023: 38.6%FY 2024: 8.0%FY 2025: -1.0%
FY 2016 FY 2025
Operating Income 16.1%
FY 2016: 56.3%FY 2017: 32.8%FY 2018: 22.1%FY 2019: -7.9%FY 2020: -36.2%FY 2021: 115.2%FY 2022: -20.3%FY 2023: -23.1%FY 2024: 14.2%FY 2025: 16.1%
FY 2016 FY 2025
EPS (diluted) 21.4%
FY 2016: 65.8%FY 2017: 30.7%FY 2018: 56.9%FY 2019: 2.0%FY 2020: -27.2%FY 2021: 124.1%FY 2022: -14.7%FY 2023: -24.9%FY 2024: 13.8%FY 2025: 21.4%
FY 2016 FY 2025
Free Cash Flow -6.7%
FY 2016: 30.4%FY 2017: 89.6%FY 2018: 37.9%FY 2019: -44.6%FY 2020: -5.5%FY 2021: -22.8%FY 2022: 202.6%FY 2023: -39.7%FY 2024: 36.1%FY 2025: -6.7%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.3×FY 2017: 0.3×FY 2018: 0.3×FY 2019: 0.3×FY 2020: 0.2×FY 2021: 0.4×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 0.6×
FY 2016: 0.2×FY 2017: 0.7×FY 2018: 0.8×FY 2019: 0.5×FY 2020: 0.4×FY 2021: 0.3×FY 2022: 2.3×FY 2023: 0.8×FY 2024: 0.7×FY 2025: 0.6×
FY 2016 5y median 0.7× FY 2025
Net Debt / EBITDA 1.1×
FY 2016: -0.9×FY 2017: 3.6×FY 2018: 3.9×FY 2019: 1.9×FY 2020: 1.7×FY 2021: -6.3×FY 2022: 7.2×FY 2023: 2.3×FY 2024: 0.8×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Interest Coverage 0.8×
FY 2016: 8.1×FY 2017: 7.4×FY 2018: 4.6×FY 2019: 2.6×FY 2020: 4.4×FY 2021: 24.5×FY 2022: 6.2×FY 2023: 0.6×FY 2024: 0.5×FY 2025: 0.8×
FY 2016 5y median 0.8× FY 2025

Dividends

Dividend Yield 3.1%
FY 2016: 1.2%FY 2017: 1.3%FY 2018: 3.0%FY 2019: 2.8%FY 2020: 3.6%FY 2021: 2.6%FY 2022: 3.6%FY 2023: 4.4%FY 2024: 3.6%FY 2025: 3.1%
FY 2016 5y median 3.6% FY 2025
Payout Ratio 29.7%
FY 2016: 23.0%FY 2017: 21.8%FY 2018: 26.7%FY 2019: 31.9%FY 2020: 48.1%FY 2021: 23.1%FY 2022: 29.7%FY 2023: 41.5%FY 2024: 36.9%FY 2025: 29.7%
FY 2016 5y median 29.7% FY 2025

Annual · latest fiscal year ends 2025-12-31