ZION
Financial ServicesZions Bancorporation, National Association · Banks - Regional · $9B
What is Zions Bancorporation, National Association?
Zions Bancorporation is a regional bank serving individuals, businesses, and municipalities across eleven western and southwestern U.S. states. Founded in 1873, it is headquartered in Salt Lake City, Utah.
Zions generates revenue through traditional banking activities — accepting deposits and making loans — alongside fee-based services. It focuses heavily on small- and medium-sized businesses, commercial real estate, and retail customers, operating hundreds of branches across its regional footprint.
Zions Bancorporation was founded in 1873 and is headquartered in Salt Lake City, Utah.
- Commercial and small business banking
- Commercial real estate lending
- Retail banking and residential mortgages
- Wealth management and private client services
Is ZION a Good Stock to Buy?
UQS Score rates ZION as Below Average overall.
The Quality pillar stands out as the relative bright spot, suggesting reasonable operational fundamentals for a regional bank. Valuation is rated Attractive, meaning the stock may not be priced at a premium relative to its profile.
Moat, Growth, and Risk are all rated Weak — pointing to limited competitive differentiation, subdued growth prospects, and elevated risk factors worth monitoring.
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Past performance does not guarantee future results. UQS Score is based on fundamental data and is not a buy/sell recommendation.
Does ZION pay dividends?
Yes — Zions Bancorporation, National Association pays a dividend.
Zions pays a regular dividend, consistent with the income-oriented tradition of established regional banks. For investors seeking yield alongside equity exposure, this cadence may be relevant — though dividend sustainability should always be weighed against the bank's Risk profile.
When does ZION report earnings?
Zions Bancorporation reports earnings on a quarterly cadence, typical for U.S.-listed bank holding companies.
As a regional bank, Zions' quarterly results are shaped by net interest income, loan growth, credit quality, and expense management. These factors interact with the broader interest rate environment, which can meaningfully swing results from one quarter to the next.
For the most recent quarter's results, visit Zions Bancorporation's investor relations page directly.
ZION Price History
+26.4% over 5Y
Monthly close, adjusted for stock splits and dividend reinvestment.
What if I invested in Zions Bancorporation, National Association?
Based on Zions Bancorporation, National Association's historical closing prices, adjusted for stock splits and dividend reinvestment. Past performance does not guarantee future results. This is for informational purposes only and is not financial advice.
Frequently Asked Questions
What does Zions Bancorporation do?
Zions Bancorporation is a regional bank operating across eleven U.S. states, primarily in the West and Southwest. It serves retail customers, small and medium businesses, commercial real estate clients, and municipalities through hundreds of branches.
Does ZION pay dividends?
Yes, Zions Bancorporation pays a regular dividend. This is common among established regional banks that generate consistent deposit-funded income. Investors should review the current dividend rate and payout history on the company's investor relations page.
When does ZION report earnings?
Zions reports on a quarterly schedule, as is standard for U.S.-listed banks. For the exact date of the next earnings release, check Zions Bancorporation's investor relations page or a financial calendar service.
Is ZION a good stock to buy?
UQS Score rates ZION as Below Average overall. While Valuation is Attractive and Quality is rated Good, the Moat, Growth, and Risk pillars are all Weak. The complete pillar breakdown is available to Pro members.
Is ZION overvalued?
Based on the UQS Valuation pillar, ZION is rated Attractive — suggesting the stock is not trading at an elevated premium relative to its fundamentals. That said, valuation alone does not determine investment quality.
What is ZION's market cap bracket?
Zions Bancorporation falls in the mid-cap bracket, placing it among regional banks of meaningful but not mega-scale size within the U.S. financial services sector.
Is ZION a long-term quality investment?
The UQS Score is designed as a long-term quality indicator. ZION's Below Average overall rating — driven by Weak scores in Moat, Growth, and Risk — suggests caution for quality-focused long-term investors, despite its Attractive valuation.
What sector does ZION belong to?
Zions Bancorporation operates in the Financial Services sector, specifically as a regional commercial bank. It competes with other mid-sized U.S. banks for deposits, loans, and fee-based business banking services.
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Pro Analysis
ZION — Score History
| Date | UQS | Quality | Moat | Growth | Risk | Value | Change |
|---|---|---|---|---|---|---|---|
| May 19, 2026 | 51.7 | 77.3 | 28.0 | 27.6 | 35.9 | 96.3 | +1.9 |
| May 3, 2026 | 49.8 | 74.7 | 28.0 | 27.3 | 29.7 | 94.5 | 0.0 |
| Apr 26, 2026 | 49.8 | 74.7 | 28.0 | 27.3 | 29.7 | 94.8 | 0.0 |
| Apr 24, 2026 | 49.8 | 74.7 | 28.0 | 27.3 | 29.7 | 94.5 | 0.0 |
| Apr 23, 2026 | 49.8 | 74.7 | 28.0 | 27.2 | 29.7 | 94.5 | +0.3 |
| Apr 22, 2026 | 49.5 | 74.7 | 28.0 | 26.5 | 29.7 | 93.6 | +0.2 |
| Apr 19, 2026 | 49.3 | 74.7 | 28.0 | 26.2 | 29.7 | 93.2 | -0.1 |
| Apr 18, 2026 | 49.4 | 74.7 | 28.0 | 26.3 | 29.7 | 93.5 | -0.3 |
| Apr 13, 2026 | 49.8 | 74.7 | 28.0 | 26.3 | 29.7 | 95.8 | +0.1 |
| Apr 12, 2026 | 49.7 | 74.7 | 28.0 | 26.1 | 29.7 | 95.5 | -0.1 |
ZION — Pillar Breakdown
Quality
— 77.3/100 (25%)Zions Bancorporation, National Association demonstrates outstanding capital efficiency and profitability, placing it among the highest-quality businesses in the market.
Profitability relative to shareholders' equity.
Ability to convert revenue into operating profit.
Bottom-line profit as a share of revenue.
Free cash flow relative to market value.
Growth
— 27.6/100 (20%)Zions Bancorporation, National Association faces growth headwinds with declining or stagnant revenue trends.
Revenue trajectory over the last twelve months.
Compound annual revenue growth rate over 3 years.
Year-over-year earnings per share growth.
Analyst consensus for future revenue growth.
Analyst consensus for future earnings growth.
Risk
— 35.9/100 (15%)Zions Bancorporation, National Association has some risk factors including moderate leverage or solvency concerns.
Total debt relative to shareholder equity.
Short-term liquidity — ability to pay near-term obligations.
Earnings capacity relative to interest payments.
Valuation
— 96.1/100 (15%)Zions Bancorporation, National Association appears attractively valued relative to its earnings, cash flows, and sector peers.
Inverse of forward P/E — higher yield means cheaper stock.
How many years of FCF the market cap represents.
P/E relative to earnings growth — lower is more attractive.
Enterprise value multiple relative to sector median.
Moat
— 28/100 (25%)Zions Bancorporation, National Association operates in a highly competitive environment with limited sustainable advantages. The Moat pillar evaluates competitive advantages across five dimensions: Switching Costs, Network Effects, Cost Advantage, Intangible Assets, and Scale & Ecosystem. Sign in to customize moat ratings for ZION.
Score Composition
Financial Data
More Stock Analysis
How is the ZION UQS Score Calculated?
The UQS (Unified Quality Score) for Zions Bancorporation, National Association is calculated using a proprietary 6-pillar framework with 29 financial metrics. Each pillar evaluates a different dimension on a 0–100 scale, then combines into a single weighted score. Scoring thresholds are calibrated per sector. Momentum is an optional Pro toggle — without it, you get the 5-pillar / 25-metric core shown below.
Quality (25%) measures profitability and capital efficiency — ROIC, ROE, margins, GP/Assets, and FCF Yield.
Moat (25%) assesses Zions Bancorporation, National Association's competitive advantages across switching costs, network effects, cost advantages, intangible assets, and ecosystem scale.
Growth (20%) tracks revenue trajectory and earnings momentum, combining historical results with analyst forward estimates.
Risk (15%) is inversely scored — lower leverage and strong balance sheet health result in higher scores.
Valuation (15%) measures whether Zions Bancorporation, National Association is fairly priced using earnings yield, price-to-FCF, PEG ratio, and EV/EBITDA relative to sector peers.
Six investor-inspired presets are available, each with different pillar weights: Balanced, Buffett, Munger, Lynch, Cathie Wood, and Graham. The public score shown here uses the Balanced preset. Learn more in our FAQ.