ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/(ZION)— Stock Profile, AI Score & Financials
Financials · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) stock profile, AI quality score, and SEC EDGAR financial data, a Financials sector company. 13F Pro's AI-powered ranking engine scores ZION at 68.9/100 on a 32-signal composite quality model, placing it at rank #293 of 2,960 stocks — the top 10% of the AI-ranked universe. ZION scores in the top quartile across profitability (93.3), free cash flow (93.2), institutional flow (77.5). Shareholder dilution risk is elevated at 24.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reports quarterly revenue of $182.0M, net income of $453.0M, free cash flow of $389.0M. Top institutional holders of ZION by reported 13-F value include BlackRock, VANGUARD PORTFOLIO MANAGEMENT, DIMENSIONAL FUND ADVISORS, based on the most recent SEC filings. ZION trades on the Nasdaq exchange and files with the SEC under CIK 109380. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate ZION daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ directly from SEC EDGAR.
AI Quality Score
68.9/100
AI Rank
#293
Revenue
$182.0M
Net Income
$453.0M
Free Cash Flow
$389.0M
ZION key financials by period
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$662.0M
$899.0M
—
FY 2024
10-K
$639.0M
$784.0M
—
FY 2023
10-K
$3.1B
$680.0M
—
FY 2022
10-K
$3.2B
$907.0M
—
FY 2021
10-K
$2.9B
$1.1B
—
FY 2020
10-K
$2.8B
$539.0M
—
Institutions holding ZION
Institutional investors reporting a position in ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
Net earnings applicable to common shareholders nearly doubled to $452M; diluted EPS surged to $3.05 from $1.63 YoY, driven by $252M in pre-tax gains ($215M Visa sale, $37M SBIC unrealized gains) and 4% NII growth.
Biggest Revenue Drivers
Net interest income$677M+4% YoY
Lower funding costs and improved mix of interest-earning assets, with net interest margin expanding to 3.27% from 3.17%.
Noninterest income$460M+142% YoY
$252M noncustomer-related gains ($215M Visa Class B-1 share sale, $44M SBIC unrealized gains) and $18M customer-related growth in capital markets and loan fees.
Biggest Revenue Drivers
Net interest income$677M+4% YoY
Lower funding costs and improved mix of interest-earning assets, with net interest margin expanding to 3.27% from 3.17%.
Noninterest income$460M+142% YoY
$252M noncustomer-related gains ($215M Visa Class B-1 share sale, $44M SBIC unrealized gains) and $18M customer-related growth in capital markets and loan fees.
Largest Expense Items
Salaries and employee benefits$344M+2% YoY
Higher incentive compensation accruals aligned with improved profitability and increased employee benefits costs.
Technology, telecom, and information processing$72M+11% YoY
Higher application software, licensing, maintenance, and outsourced technology services costs.
Professional and legal services$22M+69% YoY
Higher outsourced services and technology consulting costs.
Deposit insurance and regulatory expense$7M-65% YoY
$6M decrease from updated FDIC special assessment estimate; prior year had higher FDIC assessment costs.
Margins: Net interest margin improved 10 bps YoY to 3.27%, benefiting from lower funding costs and a favorable asset mix shift toward higher-yielding loans. The efficiency ratio remained stable at 62.2%, unchanged from prior year but improved from 65.0% in Q1.
Watch Items from the Filing
Commercial real estate portfolio concentration: $14.1B (22.5% of total loans), with multifamily at $4.2B (30% of CRE), office at $1.6B with 1.3% nonaccrual ratio and higher classified loan ratios (7.2%), signaling emerging stress in office segment.
NDFI lending grew to $2.5B (4% of total loans, 8% of commercial) from $2.0B YoY; 0.4% nonaccrual ratio and 1.2% classified ratio remain manageable but warrant monitoring given sector complexities.
Uninsured deposits represent 45% of total deposits ($34.4B); available liquidity of $46.6B covers uninsured deposits 1.35x, providing adequate cushion but requiring active management.
Two significant litigation cases (Lifescan/J&J and Roche Diagnostics) scheduled for trial in April 2027; estimated liabilities reflected in accruals, but unfavorable outcomes could materially impact financial results.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
