What is the 13F Pro Quality Score for ZION?

13F Pro ranks ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View ZION's current score at https://13fpro.ai/research/ZION (free sign-up required for the full ranking).

Where does 13F Pro source ZION data?

All ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ fundamentals and ownership data come directly from SEC EDGAR. ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ files with the SEC under CIK 109380. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is ZION in?

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) is classified in the Financials sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/financials.

How often is ZION research updated on 13F Pro?

ZION's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/(ZION)Stock Analysis

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13F Pro Quality Score

57.8/100

Rank #1,019 of 2,879 stocksTOP 50%

View Financials peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

32.4/100

Profitability

97.1/100

Balance Sheet

43.3/100

Earnings Quality

56.5/100

Free Cash Flow

96.9/100

Institutional Flow

24.0/100

Revenue Scale

37.6/100

Dilution Risk

25.1/100

ZION Stock Analysis & AI Quality Score

AI stock analysis and institutional research for ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION), a Financials sector company. 13F Pro's AI-powered ranking engine scores ZION at 57.8/100 on a 32-signal composite quality model, placing it at rank #1,019 of 2,879 stocks — the top half of the AI-ranked universe. ZION scores in the top quartile across profitability (97.1), free cash flow (96.9). Areas of concern include institutional flow (24.0) and revenue growth (32.4), which score below median versus the broader universe. Shareholder dilution risk is elevated at 25.1/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reports quarterly revenue of $172.0M, net income of $233.0M, free cash flow of $398.0M. 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. ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s 13F Pro composite quality score has ranged between 31 and 69 since 2021, currently 57.8 — an improving long-term trajectory across 28 quarterly and live scoring snapshots.

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Fun facts about ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/

Quirks, history, and lore behind ZION — the kind of stuff that makes a stock memorable.

1
The Basics
A U.S. regional bank holding company · large-cap · listed on Nasdaq · headquartered in Utah.
2
The Numbers
Sits among the top 25 U.S. banks by assets, with a balance sheet in the range of $85–90 billion — big enough to matter, small enough that Wall Street forgets it exists.
3
The History
Traces its roots to 1873 in Salt Lake City, making it one of the oldest banks in the American West — it was financing frontier commerce before Utah was even a state.
4
The Secret
It operates through a network of locally branded subsidiary banks spread across the Western and Southwestern U.S., giving it a community-bank feel at regional-bank scale.
5
The Lore
Its ticker is a biblical heavyweight — shared with a holy mountain in Jerusalem — which makes for unusually dramatic stock-alert notifications on Sunday mornings.
6
The Giveaway
Named after that sacred peak in the Book of Mormon, headquartered in the heart of Salt Lake City, and trading under a four-letter ticker that doubles as a synonym for heaven.

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Revenue

Q1 2026

$172.0M

Net Income

Q1 2026

$233.0M

Free Cash Flow

Q1 2026

$398.0M

D/E Ratio

Q1 2026

0.27

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro+

Revenue

-79.5% YoY

$639.0MFY 2024

FY21 $2.91BFY22 $3.15BFY23 $3.12BFY24 $639.0M

Net Income

+15.3% YoY

$784.0MFY 2024

FY21 $1.13BFY22 $907.0MFY23 $680.0MFY24 $784.0M

EPS (Diluted)

+13.8% YoY

$4.95FY 2024

FY21 $6.79FY22 $5.79FY23 $4.35FY24 $4.95

Total Assets

+1.8% YoY

$88.78BFY 2024

FY21 $93.20BFY22 $89.55BFY23 $87.20BFY24 $88.78B

Total Debt

-2.8% YoY

$4.78BFY 2024

FY21 $1.92BFY22 $11.07BFY23 $4.92BFY24 $4.78B

Op. Cash Flow

+29.7% YoY

$1.15BFY 2024

FY21 $629.0MFY22 $1.47BFY23 $885.0MFY24 $1.15B

Metric	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020	FY 2019
Revenue	$639.0M -79.5%	$3.12B -1.2%	$3.15B +8.3%	$2.91B +4.3%	$2.79B -1.7%	$2.84B
Net Income	$784.0M +15.3%	$680.0M -25.0%	$907.0M -19.7%	$1.13B +109.5%	$539.0M -33.9%	$816.0M
EPS (Diluted)	$4.95 +13.8%	$4.35 -24.9%	$5.79 -14.7%	$6.79 +124.8%	$3.02 -27.4%	$4.16
Total Assets	$88.78B +1.8%	$87.20B -2.6%	$89.55B -3.9%	$93.20B +14.4%	$81.48B +17.8%	$69.17B
Total Debt	$4.78B -2.8%	$4.92B -55.5%	$11.07B +478.0%	$1.92B -34.1%	$2.91B -23.0%	$3.78B
Operating Cash Flow	$1.15B +29.7%	$885.0M -39.8%	$1.47B +133.7%	$629.0M -12.5%	$719.0M +3.2%	$697.0M

AI Insight: ZION Financial Trends

Net income hit a multi-quarter high of $263M in Q4 2025, and equity has grown steadily to $7,296M by Q1 2026, signaling improving profitability and balance-sheet strength.

• Net income rose from $201M in Q2 2024 to $263M in Q4 2025, a 31% increase over six quarters.

• Equity expanded from $6,025M in Q2 2024 to $7,296M in Q1 2026, a steady $1,271M build-up.

• Operating cash flow turned negative at -$62M in Q2 2025 before recovering strongly to $518M in Q4 2025 and $423M in Q1 2026.

• Revenue data is incomplete, but the available Q1–Q3 2025 figures cluster narrowly between $158M–$164M, showing little growth.

⚠ Total debt spiked from $548M in Q3 2024 to $1,963M in Q1 2026, raising leverage concerns despite strong equity growth.

⚠ Net income dipped from $263M in Q4 2025 to $233M in Q1 2026 — first sequential decline in two quarters.

⚠ Operating cash flow volatility — swinging from -$62M to $518M in consecutive quarters — warrants monitoring for consistency.

AI Insight: ZION Ratio Trends

ZION's ROE and ROA remain range-bound with no clear directional trend, while volatile NPM and swinging D/E ratios obscure underlying earnings quality.

• ROE oscillated between 10.8% (Q1 2025) and 14.8% (Q2 2025), settling at 12.8% in Q1 2026 — no sustained improvement.

• ROA held steady between 0.8% and 1.2% across all reported quarters, suggesting stable but unspectacular asset productivity.

• NPM swung sharply from 25.9% in Q2 2024 to 148.8% in Q2 2025, indicating significant one-off or non-recurring income distortions.

⚠ D/E spiked to 0.78 in Q4 2024 and 0.64 in Q4 2025 — recurring year-end leverage surges warrant scrutiny for balance-sheet seasonality or borrowing patterns.

⚠ ROE dipped to 12.8% in Q1 2026 from 14.6% in Q4 2025 — monitor whether Q1 softness is seasonal or signals deteriorating profitability.

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Available Research

13F Pro tracks comprehensive data for ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of ZION

BlackRock, Inc.
$807.9M14,020,532 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$625.5M10,855,578 sh
DIMENSIONAL FUND ADVISORS LP
$430.8M7,477,126 sh
VANGUARD CAPITAL MANAGEMENT LLC
$380.2M6,598,287 sh
STATE STREET CORP
$339.0M5,883,024 sh
MORGAN STANLEY
$176.3M3,059,666 sh
GEODE CAPITAL MANAGEMENT, LLC
$174.9M3,033,897 sh
FIDUCIARY MANAGEMENT INC /WI/
$160.6M2,787,957 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$149.5M2,594,137 sh
AQR CAPITAL MANAGEMENT LLC
$127.9M2,244,698 sh

Fund	Value	Shares
BlackRock, Inc.	$807.9M	14,020,532
VANGUARD PORTFOLIO MANAGEMENT LLC	$625.5M	10,855,578
DIMENSIONAL FUND ADVISORS LP	$430.8M	7,477,126
VANGUARD CAPITAL MANAGEMENT LLC	$380.2M	6,598,287
STATE STREET CORP	$339.0M	5,883,024
MORGAN STANLEY	$176.3M	3,059,666
GEODE CAPITAL MANAGEMENT, LLC	$174.9M	3,033,897
FIDUCIARY MANAGEMENT INC /WI/	$160.6M	2,787,957
FULLER & THALER ASSET MANAGEMENT, INC.	$149.5M	2,594,137
AQR CAPITAL MANAGEMENT LLC	$127.9M	2,244,698

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Is ZION a good stock to buy?

13F Pro's AI-powered analysis of ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Financials sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for ZION are available on the ZION stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own ZION?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling ZION. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s investment landscape.