Zions Bancorporation N.A. (ZION)

From the record

Zions Bancorporation N.A.'s filings since 2017 show 1 warning event: a notice about its exchange listing (8-K item 3.01, the latest 2018-10-02) (its current reports).

From the record

Zions Bancorporation N.A.'s 10 filed years say what it did: revenue went from $2.0 billion in fiscal 2016 to $4.2 billion in fiscal 2025, up 8.8% a year; it rose in 6 of 9 years; the deepest fall was 16% from fiscal 2019 to fiscal 2021; net income was positive in 10 of 10 of those years (its annual reports).

From the record

Over the 3 fiscal years to 2025-12-31, Zions Bancorporation N.A.'s diluted share count shrank about 0.7% a year, and dividends and buybacks returned about 31% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 22 sales and 1 purchase of their own stock on the open market in the year to 2026-11-10, buying about $266 thousand (their Form 4 filings).

From the record

Return on equity: in the fiscal year ended 2025-12-31, Zions Bancorporation N.A. earned about 12 cents of profit for every dollar of shareholders' money. Leverage: it owed about 92 cents per dollar of assets, and net share issuance: its share count was unchanged over the year (the filed statements).

From the record

Zions Bancorporation N.A.'s standing among 79 graded names in its industry family: revenue of $4.2 billion in fiscal 2025 ranks in the top 16% by size; a net margin of 21.4% ranks in the bottom 39%; revenue growth of 15.6% a year over the last 3 filed years ranks in the bottom 36% (its annual reports).

From the record

Zions Bancorporation N.A.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Simmons, Harris H (Chairman & CEO, as filed), filing under that title since 2021-12-09, 4.9 years (bottom 35% of its family); the 25 officers and directors filing in the last fifteen months have been on the record a median of 7.5 years (top 36%); 6 officer or director changes were reported on Form 8-K since 2023-11-13, against the 25 people in charge now (top 25%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

From the record

Zions Bancorporation N.A.'s room to grow, from the newest filed statements (fiscal 2025): cash of $683 million against debt of $1.5 billion leaves -0.9% of its assets as net cash, bottom 19% of its family; cash from operations less capital spending is 22.8% of revenue (top 48%) (its annual report).

From the record

Zions Bancorporation N.A.'s growth drivers, from the filed years to fiscal 2025: revenue grew 15.6% a year over the last three filed years against 8.8% over all 10, speeding up (top 37% of its family); the newest year grew -2.5% (bottom 13%); capital spending grew -14% a year (bottom 15%) (its annual reports). Zions Bancorporation N.A. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

From the record

Zions Bancorporation N.A.'s newest year against its own record: revenue of $4.2 billion in fiscal 2025 came in 22.6% below the $5.4 billion its prior three years' pace pointed to (bottom 23% of its family); net income of $895 million against a prior three-year average of $754 million (bottom 47%); a net margin of 21.4% against 22% before (top 45%) (its annual reports).