📊 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.
Why Buy Zions Bancorporation, National Association /Ut/ Stock? ZIONP Key Strengths
- 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 |
|---|---|---|---|
| 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 |
| Q2 2023 | $123.0M | $175.0M | $1.11 |
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
| Date | Form | Document | Action |
|---|---|---|---|
| Apr 9, 2026 | 4 | xslF345X06/wk-form4_1775767075.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775162065.xml | View → |
| Apr 2, 2026 | 4 | xslF345X06/wk-form4_1775161949.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775087654.xml | View → |
| Apr 1, 2026 | 4 | xslF345X06/wk-form4_1775087520.xml | View → |
❓ Frequently Asked Questions about ZIONP
What is the AI rating for ZIONP?
Zions Bancorporation, National Association /Ut/ (ZIONP) has an AI rating of BUY 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 rating reflects both perspectives for balanced insights.
Is ZIONP a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Zions Bancorporation, National Association /Ut/ has a BUY rating 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.
Should I buy ZIONP stock in 2026?
Our dual AI analysis gives Zions Bancorporation, National Association /Ut/ a combined BUY rating 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).