📊 ZIONP Key Takeaways
Is Zions Bancorporation, National Association /Ut/ (ZIONP) a Good Investment?
Zions Bancorporation demonstrates strong fundamental growth with 25.1% revenue growth and 21.4% EPS expansion, supported by a fortress balance sheet with conservative 0.21x leverage and robust free cash flow generation of $952M. However, the unusually elevated net and free cash flow margins (135.8% and 143.8%) coupled with stagnant net income growth (+0.4%) suggest one-time gains masking underlying operational trends, warranting caution on margin quality.
Zions Bancorporation, National Association /Ut/ Key Strengths (ZIONP)
- Strong top-line growth of 25.1% YoY revenue expansion
- Excellent EPS growth at 21.4% YoY demonstrates shareholder value creation
- Conservative leverage with 0.21x debt/equity ratio providing financial flexibility
- Substantial free cash flow generation ($952M) covering capex with 7.9x coverage
ZIONP Stock Risks: Zions Bancorporation, National Association /Ut/ Investment Risks
- Net income growth severely lagging revenue growth (+0.4% vs +25.1%) indicates deteriorating conversion
- Abnormally high net margin (135.8%) and FCF margin (143.8%) suggest non-operating gains distorting profitability
- Very low return on assets (1.0%) indicates inefficient asset utilization for $89B balance sheet
- Elevated insider Form 4 activity (44 filings) in 90 days may signal management uncertainty
Key Metrics to Watch
- Recurring operating income and sustainable margin trends excluding one-time items
- Return on assets trajectory and operational efficiency improvements
- Net interest margin trends in the banking rate environment
- Capital adequacy ratios and regulatory compliance metrics
Zions Bancorporation, National Association /Ut/ (ZIONP) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The 143.8% free cash flow margin provides substantial flexibility for dividends, buybacks, and strategic investments. The current ratio below 1.0x warrants monitoring of short-term liquidity.
ZIONP Profit Margin, ROE & Profitability Analysis
ZIONP vs Finance Sector: How Zions Bancorporation, National Association /Ut/ Compares
How Zions Bancorporation, National Association /Ut/ compares to Finance sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Zions Bancorporation, National Association /Ut/ Stock Overvalued? ZIONP Valuation Analysis 2026
Based on fundamental analysis, Zions Bancorporation, National Association /Ut/ appears fundamentally strong relative to the Finance sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Zions Bancorporation, National Association /Ut/ Balance Sheet: ZIONP Debt, Cash & Liquidity
ZIONP Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Zions Bancorporation, National Association /Ut/'s revenue has grown significantly by 18% over the 5-year period, indicating strong business expansion. The most recent EPS of $4.35 reflects profitable operations.
ZIONP Revenue Growth, EPS Growth & YoY Performance
ZIONP Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $133.0M | $170.0M | $1.13 |
| Q3 2025 | $128.0M | $214.0M | $1.37 |
| Q2 2025 | $126.0M | $201.0M | $1.28 |
| Q1 2025 | $124.0M | $153.0M | $0.96 |
| Q3 2024 | $126.0M | $175.0M | $1.13 |
| Q2 2024 | $126.0M | $175.0M | $1.11 |
| Q1 2024 | $124.0M | $153.0M | $0.96 |
| Q3 2023 | $123.0M | $175.0M | $1.13 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Zions Bancorporation, National Association /Ut/ Dividends, Buybacks & Capital Allocation
ZIONP SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Zions Bancorporation, National Association /Ut/ (CIK: 0000109380)
📋 Recent SEC Filings
❓ Frequently Asked Questions about ZIONP
What is the AI rating for ZIONP?
Zions Bancorporation, National Association /Ut/ (ZIONP) has an AI grade of A with 70% confidence, based on fundamental analysis of SEC EDGAR filings.
What are ZIONP's key strengths?
Claude: Strong top-line growth of 25.1% YoY revenue expansion. Excellent EPS growth at 21.4% YoY demonstrates shareholder value creation.
What are the risks of investing in ZIONP?
Claude: Net income growth severely lagging revenue growth (+0.4% vs +25.1%) indicates deteriorating conversion. Abnormally high net margin (135.8%) and FCF margin (143.8%) suggest non-operating gains distorting profitability.
What is ZIONP's revenue and growth?
Zions Bancorporation, National Association /Ut/ reported revenue of $662.0M.
Does ZIONP pay dividends?
Zions Bancorporation, National Association /Ut/ pays dividends, with $267.0M distributed to shareholders in the trailing twelve months.
Where can I find ZIONP SEC filings?
Official SEC filings for Zions Bancorporation, National Association /Ut/ (CIK: 0000109380) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is ZIONP's EPS?
Zions Bancorporation, National Association /Ut/ has a diluted EPS of $6.01.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is ZIONP's fundamental grade?
Based on our AI fundamental analysis in June 2026, Zions Bancorporation, National Association /Ut/ has a A grade with 70% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is ZIONP stock overvalued or undervalued?
Valuation metrics for ZIONP: ROE of 12.5% (sector avg: 12%), net margin of 135.8% (sector avg: 25%). Higher ROE suggests strong returns relative to peers.
What is ZIONP's AI grade for 2026?
Our dual AI analysis gives Zions Bancorporation, National Association /Ut/ a combined A grade for 2026. Revenue is data pending, with profitability above sector average. Always conduct your own research.
What is ZIONP's free cash flow?
Zions Bancorporation, National Association /Ut/'s operating cash flow is $1.1B, with capital expenditures of $121.0M. FCF margin is 143.8%.
How does ZIONP compare to other Finance stocks?
Vs Finance sector averages: Net margin 135.8% (avg: 25%), ROE 12.5% (avg: 12%), current ratio N/A (avg: 1.2).