Stock Scorecard
Stock Summary for Zions Bancorporation N.A (ZION) - $53.26 as of 11/26/2025 9:08:28 PM EST
Total Score
18 out of 30
Safety Score
61 out of 100
Currently on the following lists
None
Tim's Recommendation
Possible Buy
Growth List Algorithm Criteria for ZION
| Positive Quarterly and Annual earnings growth | |
| P/E ratio less than Industry P/E Ratio | |
| P/E ratio less than Sector P/E Ratio | |
| P/E ratio that is half the Annual earnings growth rate (or less) | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Positive net income past year and 12 trailing months | |
| Free cash flow ratio greater than 0 and less than 10 |
Small Cap List Algorithm Criteria for ZION
| Revenue growing by at least 20% average per year over the last 5 years | |
| Market Capitalization under 2 billion | |
| Price to Sales (P/S) ratio 12 trailing months less than Industry P/S ratio twelve trailing months | |
| Price to Sales (P/S) ratio 12 trailing months less than Sector P/S ratio twelve trailing months | |
| Net Income past year > Net Income prior year OR Net Income 12 trailing months > Net Income prior year OR Net Income 12 trailing months > Net Income past year |
Dividend List Algorithm Criteria for ZION
| Declared an ex-dividend date | |
| Forward annual dividend rate greater than 2 | |
| Positive net cash position the past year and most recent quarter | |
| Equity to debt ratio greater than 0.75 for past year and most recent quarter | |
| Current ratio most recent quarter greater than 2 | |
| Cash Flow per Share greater than Trailing Dividend Rate |
Bonus Criteria for ZION
| P/E ratio less than five-year Average P/E ratio | |
| Last Price to 52 Week Low Ratio Less Than 1 | |
| Total Cash Per Share > Last Day Price | |
| P/S Ratio < 1 | |
| P/B Ratio < 1 |
Safety Rating Criteria for ZION (61 out of 100)
| Stock Price Rating (Max of 10) | 9 |
| Historical Stock Price Rating (Max of 10) | 9 |
| Stock Price Trend (Max of 10) | 0 |
| Book Value (Max of 10) | 8 |
| Book Value to Price (Max of 10) | 1 |
| Analyst Buy Ratings (Max of 5) | 5 |
| Analyst Strong Buy Ratings (Max of 5) | 0 |
| Dividend Yield Percentage (Max of 10) | 6 |
| Operating Margin (Max of 10) | 6 |
| Trading Volume (Max of 10) | 8 |
| Price to Earnings (Max of 10) | 9 |
| Geopolitical Risk Adjustment (Always 0 for USA or a Negative Number for Non-USA) | 0 |
Financial Details for ZION
Company Overview |
|
|---|---|
| Ticker | ZION |
| Company Name | Zions Bancorporation N.A |
| Country | USA |
| Description | Zions Bancorporation, based in Salt Lake City, Utah, is a leading bank holding company with a strong presence in the Western United States. The company offers a comprehensive suite of financial services, including commercial and retail banking, as well as wealth management, catering to a diverse array of clients, from individual consumers to large enterprises. Zions' commitment to innovation and exceptional customer service has solidified its position as a vital player in the regional banking landscape, fostering sustainable growth while supporting local economies. The bank's strategic emphasis on community banking, coupled with a robust financial profile, enhances its competitive edge in the marketplace. |
| Sector Name | FINANCIAL SERVICES |
| Industry Name | BANKS - REGIONAL |
| Most Recent Quarter | 9/30/2025 |
| Next Earnings Date | 1/22/2026 |
Stock Price History |
|
| Last Day Price | 53.26 |
| Price 4 Years Ago | 54.72 |
| Last Day Price Updated | 11/26/2025 9:08:28 PM EST |
| Last Day Volume | 767,730 |
| Average Daily Volume | 2,398,321 |
| 52-Week High | 59.92 |
| 52-Week Low | 38.32 |
| Last Price to 52 Week Low | 38.99% |
Valuation Measures |
|
| Trailing PE | 9.28 |
| Industry PE | 17.25 |
| Sector PE | 23.35 |
| 5-Year Average PE | 9.61 |
| Free Cash Flow Ratio | 2.48 |
| Industry Free Cash Flow Ratio | 6.69 |
| Sector Free Cash Flow Ratio | 39.07 |
| Current Ratio Most Recent Quarter | 0.16 |
| Total Cash Per Share | 21.44 |
| Book Value Per Share Most Recent Quarter | 46.05 |
| Price to Book Ratio | 1.13 |
| Industry Price to Book Ratio | 1.09 |
| Sector Price to Book Ratio | 1.86 |
| Price to Sales Ratio Twelve Trailing Months | 2.39 |
| Industry Price to Sales Ratio Twelve Trailing Months | 3.02 |
| Sector Price to Sales Ratio Twelve Trailing Months | 3.71 |
| Analyst Buy Ratings | 6 |
| Analyst Strong Buy Ratings | 0 |
Share Statistics |
|
| Total Shares Outstanding | 147,641,000 |
| Market Capitalization | 7,863,359,660 |
| Institutional Ownership | 81.26% |
Dividends |
|
| Ex-Dividend Date | 11/13/2025 |
| Previous Dividend Amount | 0.4500 |
| Current Dividend Amount | 0.4500 |
| Total Years Dividend Increasing |
|
| Trailing Annual Dividend Rate | 1.76 |
| Trailing Annual Dividend Yield | 3.31% |
| Forward Annual Dividend Rate | 1.80 |
| Forward Annual Dividend Yield | 3.38% |
| 5-Year Dividend Payments Count | 20 |
| 3-Year Average Dividend Yield | 3.58% |
| 5-Year Average Dividend Yield | 3.35% |
| 1-Year Dividend Growth Rate Percentage | 6.02% |
| 3-Year Dividend Growth Rate Percentage | 3.59% |
| 5-Year Dividend Growth Rate Percentage | 5.14% |
| All-Time Dividend Growth Rate Percentage | 6.47% |
| Dividend Payout Ratio | 31.48% |
Income Statement |
|
| Quarterly Earnings Growth YOY | 8.00% |
| Annual Earnings Growth | 15.29% |
| Reported EPS 12 Trailing Months | 5.59 |
| Reported EPS Past Year | 4.25 |
| Reported EPS Prior Year | 4.97 |
| Net Income Twelve Trailing Months | 852,000,000 |
| Net Income Past Year | 784,000,000 |
| Net Income Prior Year | 680,000,000 |
| Quarterly Revenue Growth YOY | 4.20% |
| 5-Year Revenue Growth | 9.00% |
| Operating Margin Twelve Trailing Months | 37.10% |
Balance Sheet |
|
| Total Cash Most Recent Quarter | 3,166,000,000 |
| Total Cash Past Year | 3,501,000,000 |
| Total Cash Prior Year | 2,204,000,000 |
| Net Cash Position Most Recent Quarter | 1,696,000,000 |
| Net Cash Position Past Year | 2,555,000,000 |
| Long Term Debt Past Year | 946,000,000 |
| Long Term Debt Prior Year | 538,000,000 |
| Total Debt Most Recent Quarter | 1,470,000,000 |
| Equity to Debt Ratio Past Year | 0.87 |
| Equity to Debt Ratio Most Recent Quarter | 0.82 |
| Total Stockholder Equity Past Year | 6,124,000,000 |
| Total Stockholder Equity Prior Year | 5,691,000,000 |
| Total Stockholder Equity Most Recent Quarter | 6,865,000,000 |
Free Cash Flow |
|
| Free Cash Flow Twelve Trailing Months | 961,000,000 |
| Free Cash Flow Per Share Twelve Trailing Months | 6.51 |
| Free Cash Flow Past Year | 1,051,000,000 |
| Free Cash Flow Prior Year | 772,000,000 |
Options |
|
| Put/Call Ratio | 0.41 |
| Has Options | Options Chain |
| Liquidity Rating | |
Technical Analysis |
|
| Yahoo Finance Chart | Yahoo Finance Chart |
| MACD | -0.85 |
| MACD Signal | -0.80 |
| 20-Day Bollinger Lower Band | 48.15 |
| 20-Day Bollinger Middle Band | 53.81 |
| 20-Day Bollinger Upper Band | 59.46 |
| Beta | 0.87 |
| RSI | 34.36 |
| 50-Day SMA | 51.48 |
| 150-Day SMA | 42.46 |
| 200-Day SMA | 44.29 |
System |
|
| Modified | 11/25/2025 12:39:25 PM EST |