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/company/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.

What drives ZION's revenue?

Per ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Net interest income ($677M, +4% YoY); Noninterest income ($460M, +142% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/ZION.

What are ZION's largest expenses?

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s latest 10-Q reports these as the largest expense items: Salaries and employee benefits ($344M, +2% YoY); Technology, telecom, and information processing ($72M, +11% YoY); Professional and legal services ($22M, +69% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

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

68.9/100

Rank #298 of 2,961 stocksTOP 25%

View Financials peers →

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

Revenue Growth

63.6/100

Profitability

93.3/100

Balance Sheet

47.2/100

Earnings Quality

68.8/100

Free Cash Flow

93.2/100

Institutional Flow

77.5/100

Revenue Scale

73.6/100

Dilution Risk

24.1/100

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Why ZION Scores 69/100

exact factor attribution · 2026-09-11

ZION's composite is driven by profitability and free cash flow, held back by shareholder dilution. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Profitability

+8.7 pts

93th pct

Free cash flow

+6.5 pts

93th pct

Scale

+4.7 pts

74th pct

Revenue growth

+3.6 pts

64th pct

Earnings growth

+2.1 pts

82th pct

Earnings quality

+1.9 pts

69th pct

Institutional flow

+1.8 pts

78th pct

Capital efficiency

-0.4 pts

47th pct

Shareholder dilution

-1.7 pts

24th pct

Latest change (2026-08-06): 58 → 61 · ↑ Earnings growth 56→67

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

ZION Stock Analysis & AI Quality Score

Data updated 2026-09-11

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 68.9/100 on a 32-signal composite quality model, placing it at rank #298 of 2,961 stocks — the top 25% 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. ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s 13F Pro composite quality score has ranged between 31 and 69 since 2021, currently 68.9 — an improving long-term trajectory across 68 quarterly and live scoring snapshots.

✦

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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What's Driving ZION's Business? Latest 10-Q Breakdown

AI-extracted from ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s 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.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$182.0M

Net Income

Q2 2026

$453.0M

Free Cash Flow

Q2 2026

$389.0M

ROIC

Q2 2026

18.8%

D/E Ratio

Q2 2026

0.25

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+3.6% YoY

$662.0MFY 2025

FY22 $3.15BFY23 $3.12BFY24 $639.0MFY25 $662.0M

Net Income

+14.7% YoY

$899.0MFY 2025

FY22 $907.0MFY23 $680.0MFY24 $784.0MFY25 $899.0M

EPS (Diluted)

+21.4% YoY

$6.01FY 2025

FY22 $5.79FY23 $4.35FY24 $4.95FY25 $6.01

Total Assets

-0.1% YoY

$88.69BFY 2025

FY22 $89.55BFY23 $87.20BFY24 $88.78BFY25 $88.69B

Total Debt

-4.3% YoY

$4.58BFY 2025

FY22 $11.07BFY23 $4.92BFY24 $4.78BFY25 $4.58B

Op. Cash Flow

-6.5% YoY

$1.07BFY 2025

FY22 $1.47BFY23 $885.0MFY24 $1.15BFY25 $1.07B

Free Cash Flow

-9.4% YoY

$952.0MFY 2025

FY22 $1.28BFY23 $772.0MFY24 $1.05BFY25 $952.0M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$662.0M +3.6%	$639.0M -79.5%	$3.12B -1.2%	$3.15B +8.3%	$2.91B +4.3%	$2.79B
Net Income	$899.0M +14.7%	$784.0M +15.3%	$680.0M -25.0%	$907.0M -19.7%	$1.13B +109.5%	$539.0M
EPS (Diluted)	$6.01 +21.4%	$4.95 +13.8%	$4.35 -24.9%	$5.79 -14.7%	$6.79 +124.8%	$3.02
Total Assets	$88.69B -0.1%	$88.78B +1.8%	$87.20B -2.6%	$89.55B -3.9%	$93.20B +14.4%	$81.48B
Total Debt	$4.58B -4.3%	$4.78B -2.8%	$4.92B -55.5%	$11.07B +478.0%	$1.92B -34.1%	$2.91B
Operating Cash Flow	$1.07B -6.5%	$1.15B +29.7%	$885.0M -39.8%	$1.47B +133.7%	$629.0M -12.5%	$719.0M
Free Cash Flow	$952.0M -9.4%	$1.05B +36.1%	$772.0M -39.7%	$1.28B +202.6%	$423.0M -22.8%	$548.0M

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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.
$982.2M14,196,331 sh
VANGUARD PORTFOLIO MANAGEMENT LLC
$768.5M11,107,629 sh
DIMENSIONAL FUND ADVISORS LP
$528.9M7,644,441 sh
VANGUARD CAPITAL MANAGEMENT LLC
$458.9M6,632,521 sh
STATE STREET CORP
$410.2M5,929,244 sh
LSV ASSET MANAGEMENT
$267.0M3,858,896 sh
GEODE CAPITAL MANAGEMENT, LLC
$211.8M3,060,253 sh
MORGAN STANLEY
$210.4M3,040,366 sh
TWO SIGMA INVESTMENTS, LP
$193.3M2,794,444 sh
FULLER & THALER ASSET MANAGEMENT, INC.
$183.3M2,649,694 sh

Fund	Value	Shares
BlackRock, Inc.	$982.2M	14,196,331
VANGUARD PORTFOLIO MANAGEMENT LLC	$768.5M	11,107,629
DIMENSIONAL FUND ADVISORS LP	$528.9M	7,644,441
VANGUARD CAPITAL MANAGEMENT LLC	$458.9M	6,632,521
STATE STREET CORP	$410.2M	5,929,244
LSV ASSET MANAGEMENT	$267.0M	3,858,896
GEODE CAPITAL MANAGEMENT, LLC	$211.8M	3,060,253
MORGAN STANLEY	$210.4M	3,040,366
TWO SIGMA INVESTMENTS, LP	$193.3M	2,794,444
FULLER & THALER ASSET MANAGEMENT, INC.	$183.3M	2,649,694

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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. ZION is classified as a mid company.

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.