Zions Bancorporation, National Association (ZION) Stock: Price, Forecast & Analyst Target
Zions Bancorporation, National Association (ZION) — MoonshotScore 96/100 (Exceptional band), calculated Oct 26, 2026. Price $66.37 (+0.26%), as of the Oct 26, 2026 trading session; market cap $9.69B. Expected results Jan 19, 2027.
Educational signal · not a buy or sell recommendation · How to read this
Zions Bancorporation, National Association · ZION · NASDAQ · Financial Services · Banks - Regional
Research dated 2026-09-13: Zions Bancorporation is a western banking franchise built around commercial customers, smaller businesses, commercial real estate, municipalities and a complementary set of consumer and wealth services. Earnings and cash generation have strengthened sharply, making durability more important than the latest headline: the key question is whether the core franchise can sustain that improvement while an acquisition expands its commercial real estate and capital markets reach.
Price as of Oct 26, 2026
Key Statistics
MoonshotScore v2 · Zions Bancorporation, National Association (ZION)
ExceptionalWhy this rating? Method, drivers & history
Bands for the MoonshotScore: Exceptional 80-100 · Strong 65-79 · Fair 45-64 · Weak below 45.
- Business Quality — Is this a genuinely good business?
- Financial Safety — Could this blow up on me?
- Valuation — Am I paying a fair price?
- Growth Durability — Is the growth real and likely to last?
- Momentum — Is the market already moving on this?
Elite quality and durable growth, at a dirt-cheap price, though the balance sheet is only decent. Business Quality: Elite; Financial Safety: Okay; Valuation: Cheap; Growth Durability: Growing; Momentum: Rising.
- quarterly revenue $1.24B (Q3 FY2026, quarter ended Sep 30, 2026)
- EPS beat 8 of 8
- Altman Z -0.43 · Piotroski F 8
Helping: business quality, an attractive price, durable growth
What has the MoonshotScore done over time?
| Recorded | Score | Band |
|---|---|---|
| 92 | Exceptional | |
| 94 | Exceptional | |
| 94 | Exceptional | |
| 92 | Exceptional | |
| 94 | Exceptional | |
| 95 | Exceptional |
The score was 96 in the stored Oct 24, 2026 snapshot and remains 96 in the current publication computed Oct 26, 2026 (0); the largest pillar moves were Momentum -2 and Growth Durability -1; the pillar moves offset under the sector-relative weighting, so the headline score is unchanged. This current publication is not yet represented in the immutable snapshot archive.
Calculation uses the most recent completed US trading session. Live price changes do not update the score immediately.
Computed · Educational signal · not a buy or sell recommendation · How the MoonshotScore is computed →
Price & valuation
| Measure | Value | As of |
|---|---|---|
| Latest provided price | $66.37 | |
| Change on the day | +0.26% | |
| 52-week range | $48.50–$73.34 | |
| Market capitalisation | $9.69B | |
| Price / earnings (trailing) | 8.10 | |
| Shares traded on the day | 504.2K | |
| Beta (volatility vs the S&P 500) | 0.83 | |
| Dividends per share (last 12 months) | $1.83 | |
| Dividend yield (last 12 months) | 2.76% |
Price & events
Triangles mark reported quarters on the line: pointing up is above the recorded estimate, down is below, a diamond means no estimate on file or a dated event that is not a results report. Numbers key to the dated list. Point at or tab to any week for its close.
Events behind the price
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings results · above the recorded estimate
- · Earnings call · management outlook
- · Earnings results · above the recorded estimate
Results dates follow the earnings feed; call dates follow the transcript provider. Nearby dates do not establish that an event caused a price move.
Upcoming events
Management outlook
For 2027, we anticipate approximately $17 million to $20 million of revenue and $12 million to $13 million of expense, recognizing that we are in the early process of scaling the business. Over the medium term, we expect the business to generate $30 million to $40 million of annual revenue.
Harris Henry Simmons · Statement from
For the third quarter of 2027, we anticipate net interest income to increase by approximately 8% to 12% Our outlook is based on the forward rate curve as of September 30.
Robert Ryan Richards · Statement from
Statement dates identify the earnings call, not a deadline. Management expectations and provider estimates can change.
Read management statementsOther perspectives
Council score for Zions Bancorporation, National Association (ZION): perspectives
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
5-Factor Breakdown
Legends Council
4 lenses, 0 current
AI simulations built from the named investors' published principles. Not affiliated with, endorsed by, or the opinion of these individuals. How these lenses are built
Read on: Oct 2, 2026 · older than the 27 hours refresh window; not a current reading
Munger's Mindset
Balance Sheet & Valuation · historical
Read on: Sep 10, 2026 · older than the 27 hours refresh window; not a current reading
How to read these bars and different assessments
Council is a separate blend of available disciplines; MoonshotScore above remains the five-pillar research rating.
Bars show each model's ordered assessment on its own scale, not a probability or a comparable investment return. The adjacent words give the assessment; more filled segments indicate a stronger model reading.
On Sep 10, 2026, the Munger lens read the price at that time as undervalued against its own estimate of value.
Readings on this page are from Oct 26, 2026, except a card that shows its own read date.
Watch the ZION film — every key number, told as a short cinematic story
~2 min · open the film
What is Zions Bancorporation, National Association (ZION), and what does it report?
Short answer · as of
Zions supplies credit, transaction banking and financial services across western markets.
Research dated 2026-09-13.
Zions supplies credit, transaction banking and financial services across western markets. Commercial and corporate banking sit at the center, especially relationships with smaller and midsized businesses, while commercial real estate finance, municipal finance, retail banking, mortgages, trust, wealth management and capital markets broaden the customer base.
Reported revenue therefore reflects a banking franchise rather than a simple branch network. The disclosed fee lines show commercial account fees as the largest named category, followed by card fees, with retail and business banking, wealth and trust, capital markets and foreign exchange adding further fee income; lending and financing activities remain central to what the company sells.
What do the latest results show for Zions Bancorporation, National Association (ZION)?
Short answer · as of
The most recent reported quarter, Q3 FY2026, carried revenue of $1.24B.
Research dated 2026-09-13.
The latest period delivered a pronounced step up in revenue, operating profit, net income and diluted earnings per share. Operating cash flow also accelerated from an already positive prior period, while the earnings release showed revenue landing close to expectations and earnings per share clearing them by a wide margin. That combination makes the profit surge more notable than the revenue surprise alone.
Management separately expects an announced acquisition to strengthen service to commercial real estate clients and expand the capital markets franchise. That is a prospective expansion mechanism, not an explanation for the latest reported improvement, and its contribution depends on closing and integration.
What do the reported financial results show?
Reported revenue, net income and earnings per share from the income statement.
- Latest quarter · revenue
- $1.24B Sep 30, 2026
- Latest quarter · net income
- $263.00M Sep 30, 2026
- Latest quarter · EPS
- $1.7800 (diluted) Sep 30, 2026
| Period end | Revenue | Net income | EPS |
|---|---|---|---|
| Sep 30, 2026 | $1.24B | $263.00M | $1.7800 (diluted) |
| Jun 30, 2026 | $1.48B | $453.00M | $3.0500 (diluted) |
| Mar 31, 2026 | $1.18B | $233.00M | $1.5600 (diluted) |
| Dec 31, 2025 | $1.25B | $263.00M | $1.7700 (diluted) |
Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown.
Did results meet expectations?
Reported earnings and revenue alongside the estimates recorded by the provider.
- Latest report · revenue
- $887.00M Oct 19, 2026
- Latest report · revenue estimate
- $889.52M Oct 19, 2026
- Latest report · revenue vs estimate
- Below estimate Oct 19, 2026
- Latest report · EPS vs estimate
- Above estimate Oct 19, 2026
| Report date | Revenue · reported | Revenue · estimate | EPS · reported | EPS · estimate |
|---|---|---|---|---|
| Oct 19, 2026 | $887.00M | $889.52M | $1.7800 | $1.6400 |
| Jul 20, 2026 | $878.00M | $875.92M | $3.0500 | $1.5700 |
| Apr 20, 2026 | $849.00M | $856.17M | $1.5600 | $1.4200 |
| Jan 20, 2026 | $891.00M | $864.73M | $1.7500 | $1.5700 |
Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined.
Quarterly income statement — 4 quarters
| Period | Revenue | Net income | EPS |
|---|---|---|---|
| Q3 FY2026 | $1.24B | $263M | $1.78 (diluted) |
| Q2 FY2026 | $1.48B | $453M | $3.05 (diluted) |
| Q1 FY2026 | $1.18B | $233M | $1.56 (diluted) |
| Q4 FY2025 | $1.25B | $263M | $1.77 (diluted) |
What are the financial strengths and risks for Zions Bancorporation, National Association (ZION)?
Short answer · as of
The MoonshotScore pillars rate business quality, an attractive price, durable growth as strengths.
Research dated 2026-09-13.
Cash and short-term investments remain near their latest elevated level after a substantial earlier increase, and the broader investment balance is large relative to reported debt. Operating cash flow has been volatile but recently strengthened, while capital expenditure has remained modest beside cash generated from operations. The dividend has also continued, with the latest payment higher than the preceding run.
The balance sheet still carries substantial liabilities, as expected for a banking model, so cash totals alone do not settle the risk question. Zions is meaningfully exposed to commercial borrowers and commercial real estate; weakening borrower performance or poor acquisition execution could damage earnings quality. The valuation combines a premium to book with a comparatively modest earnings multiple, making sustained returns and credit discipline especially relevant.
What does the cash-flow statement report?
Dated cash-flow statement entries, using the provider’s reported classification.
- Latest quarter · operating cash flow
- $845.00M Jun 30, 2026
- Previous quarter · operating cash flow
- $463.00M Mar 31, 2026
| Period end | Operating cash flow | Capital expenditure (reported) |
|---|---|---|
| Jun 30, 2026 | $845.00M | −$58.00M |
| Mar 31, 2026 | $463.00M | −$25.00M |
| Dec 31, 2025 | $448.00M | −$38.00M |
| Sep 30, 2025 | $438.00M | −$25.00M |
Operating cash-flow bars share one scale and show magnitude; negative values mean cash used.
USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value.
What should you watch next at Zions Bancorporation, National Association (ZION)?
Short answer · as of
The next earnings report is expected on Jan 19, 2027.
Research dated 2026-09-13.
The upcoming report needs to be read against an unusually strong latest earnings result. Watch whether revenue advances toward the prevailing estimate, whether earnings remain supported after the sharp profit jump, and whether operating cash flow continues to track reported income rather than reverting to its earlier volatility.
The acquisition provides another concrete checkpoint: closing, integration commentary and evidence of added commercial real estate or capital markets activity would support management's stated rationale. Cash and short-term investments also merit attention after their earlier rise, while recent officer-related filings make leadership developments relevant to execution.
What management is planning
Management expectations, not completed milestones or guarantees. Selected verbatim excerpts; dates follow the transcript provider.
For 2027, we anticipate approximately $17 million to $20 million of revenue and $12 million to $13 million of expense, recognizing that we are in the early process of scaling the business. Over the medium term, we expect the business to generate $30 million to $40 million of annual revenue.
Harris Henry Simmons ·
For the third quarter of 2027, we anticipate net interest income to increase by approximately 8% to 12% Our outlook is based on the forward rate curve as of September 30.
Robert Ryan Richards ·
We also continue to expect positive operating leverage for the full year 2026.
Robert Ryan Richards ·
How does Zions Bancorporation, National Association compare with its peers?
Short answer
Zions Bancorporation, National Association's score ranks 1st of 6 in the bounded comparison shown, against 5 same-model peers. These are company scores, not expected investment returns. The set lists named competitors first, then companies in the same data-provider industry classification closest in market value; that classification is the provider's, not our judgment of business similarity.
Research dated 2026-09-13.
Zions differs from a retail-led regional bank because commercial relationships are the organizing feature of the franchise. Its western footprint combines smaller-business banking and commercial real estate finance with municipal finance, capital markets, wealth services and consumer banking, allowing revenue to arise from lending relationships and several attached fee streams.
The fee mix reinforces that distinction. Commercial account fees lead the disclosed categories, card fees follow, and wealth, trust, retail banking, capital markets and foreign exchange contribute smaller pools. The model is diversified by service, yet its commercial orientation keeps credit conditions and business activity in western markets tightly connected to results.
| Company | Price | Market value | Score |
|---|---|---|---|
| Zions Bancorporation, National Association (ZION) — this page | $66.37 | $9.69B | 96 |
| $159.24 Oct 23, 2026 | $10.2B | 87 5-pillar Oct 26, 2026 | |
| $151.17 Oct 26, 2026 | $10.2B | 79 5-pillar Oct 26, 2026 | |
| $134.26 Oct 26, 2026 | $10.2B | 77 5-pillar Oct 26, 2026 | |
| $25.03 Oct 26, 2026 | $9.58B | 77 5-pillar Oct 26, 2026 | |
| $76.96 Oct 26, 2026 | $8.40B | 33 5-pillar Oct 26, 2026 | |
| $34.67 Date unavailable | $8.30B | — Model unavailable | |
| $48.92 Date unavailable | $6.66B | — Model unavailable | |
| $65.84 Date unavailable | $16.1B | — Model unavailable | |
| $51.65 Date unavailable | $5.70B | — Model unavailable | |
| $30.21 Date unavailable | $5.01B | — Model unavailable | |
| $64.72 Date unavailable | $4.32B | — Model unavailable | |
| $27.38 Date unavailable | $4.18B | — Model unavailable |
Only 5-pillar scores are ranked together. Other models are not directly comparable. Price and score dates are shown separately; market-value dates are unavailable.
The records behind this page
Analyst targets & estimates
What analysts have on file
- Price target, low to high
- $67.00 – $80.00
- Consensus target
- $75.46
- Median target
- $76.00
Consensus record · Captured .
Measured against a quoted price of $66.37 (as of Oct 26, 2026).
Insider activity
Form 4 records via FMP · Of the newest 60 records, those within the last 180 days, newest dated Sep 30, 2026
- Transactions
- 47
- Identified insiders
- 15
- Purchases
- 0
- Sales
- 10
- Other transactions
- 37
Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent.
Who holds the shares?
Institutional ownership reported through 13F filings.
- Institutional ownership
- 84.2% Period end Jun 30, 2026
- Previous quarter · ownership
- 78.5% Prior to period end Jun 30, 2026
- Reporting holders
- 620 Period end Jun 30, 2026
- Previous quarter · holders
- 588 Prior to period end Jun 30, 2026
| Holders in provider snapshot | Shares |
|---|---|
| Blackrock, INC. | 14,196,331 |
| Vanguard Portfolio Management LLC | 11,107,629 |
| Dimensional Fund Advisors LP | 7,644,441 |
| Vanguard Capital Management LLC | 6,632,521 |
| State Street Corp | 5,929,244 |
Quarterly filings lag the period end. Holder rows are names in the provider snapshot, not a verified ranking; individual filing dates are not supplied. Related managers may appear separately, so these positions are not summed. Holder snapshot as of Jun 30, 2026.
Common Questions About ZION (Financial Services)
Research dated 2026-09-13; the full attribution is under Sources. The last 3 questions are answered from this page's own dated data, not from the research.
What does Zions sell beyond commercial loans?
Zions adds commercial account services, card processing, municipal finance, capital markets, foreign exchange, wealth management, trust, retail banking and mortgages around its lending franchise. Commercial account and card fees are the largest disclosed fee categories.
Why is commercial real estate central to Zions Bancorporation?
Commercial real estate finance is an established part of the franchise, and management expects the announced acquisition to extend that capability across western markets and beyond while strengthening capital markets. The same expansion also raises the importance of credit discipline and integration.
Are Zions fee businesses led by wealth management?
Commercial account fees lead the disclosed fee categories, with card fees next. Wealth management and trust contribute, but they are smaller within the named fee mix.
Why did the latest Zions earnings result stand out?
Revenue was close to the prevailing expectation, while earnings per share exceeded its estimate by a much wider margin. The consolidated results also showed a sharp rise in operating profit, net income and operating cash flow from the prior period.
What is the ZION stock price today?
The last price recorded on this page for Zions Bancorporation, National Association (ZION) is $66.37, as of the Oct 26, 2026 trading session (source: Financial Modeling Prep (FMP) quote). It is a provider snapshot, not a live exchange feed, so check a brokerage quote before you trade.
What is the ZION price target?
The analyst consensus price target for Zions Bancorporation, National Association (ZION) is $75.46 (range $67.00 to $80.00, median $76.00), per FMP data captured Oct 26, 2026. Targets are analyst opinions and change often; they are not a Stock Expert AI forecast.
Does ZION pay a dividend?
Yes. Zions Bancorporation, National Association (ZION) shows a trailing 12-month dividend yield of 2.76%, as of Oct 26, 2026, in the data on this page. Payout ratio and cash-flow coverage decide whether it can last, and past dividends do not guarantee future payments.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Research written by Codex (gpt-5.6-sol) on 2026-09-13. AI-authored analysis; source dates are shown with each answer. Editorial oversight is systemic, not page-by-page. Editorially accountable: Sedat ANAK, Founder and Editor-in-Chief.
Sources — records for every figure on this page (74 figures)
The 74 rows below are exactly the facts the evidence-backed sections of this page printed — the 10-second verdict, the MoonshotScore, price and market value, the five questions with their receipts, and the records behind this page. Known dates and sources are recorded on their own rows; an em dash or UNRECORDED tier preserves a stored observation without inventing either. The quarterly income statement is provider-standardized (FMP) under one row, and scale definitions — a 0-100 rating, the band ladder, the Piotroski 0–9 range — are fixed rather than measured. No number in those sections was generated by a model. The register does not cover quoted third-party headlines, the dated council readings, or the Frequently Asked Questions; each of those says where it came from where it stands.
"As of" is the date the value is true for where the source carries one — a quarter end, a filing date, a price close, the day the score was computed. A cached observation with no source date remains undated; the page publication date is not used as a substitute.
OFFICIAL — 2 facts from SEC filings and earnings calls
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
prod.outlook | Management outlook — call excerpts | Harris Henry Simmons (Oct 19, 2026): For 2027, we anticipate approximately $17 million to $20 million of revenue and $12 million to $13 million of expense, recognizing that we are in the early process of scaling the business. Over the medium term, we expect the business to generate $30 million to $40 million of annual revenue. Robert Ryan Richards (Oct 19, 2026): For the third quarter of 2027, we anticipate net interest income to increase by approximately 8% to 12% Our outlook is based on the forward rate curve as of September 30. Robert Ryan Richards (Oct 19, 2026): We also continue to expect positive operating leverage for the full year 2026. | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) — Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | |
id.hq | SEC filing business address | ONE South Main Street, 11TH Floor, Salt Lake City, UT, 84133 | OFFICIAL | SEC EDGAR filer business address — The SEC filer business address. Our market-data provider separately lists "One South Main Street, Salt Lake City, UT, 84133-1109, US". |
FMP — 64 facts from Financial Modeling Prep endpoint families
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
px.last | Latest provided price | $66.37 | FMP | Financial Modeling Prep (FMP) quote — Dated to the US trading session the price belongs to, derived from the quote record's timestamp (weekend and pre-open reads roll back to the previous weekday; exchange holidays are not modelled). The record does not establish an exchange execution time. | |
px.change | Change on the day | +0.26% | FMP | Financial Modeling Prep (FMP) quote | |
px.mcap | Market capitalization | $9.69B | FMP | Financial Modeling Prep (FMP) quote — Provider market cap uses the share class it prices; a company with more than one class may show a larger total elsewhere. Market cap record date: 2026-10-26. Source capture time was not supplied. No share-count basis is inferred; this page preserves the reported amount instead of recalculating it from shares. | |
earn.next | Next earnings date | Jan 19, 2027 | FMP | Financial Modeling Prep (FMP) earnings calendar — The date is our provider's estimate until the company confirms it. | |
px.change_abs | Change on the day, in dollars | +$0.17 | FMP | Financial Modeling Prep (FMP) quote | |
fin.q_revenue | Revenue, Q3 FY2026 | $1.24B | FMP | Financial Modeling Prep (FMP) · income statement (quarterly) | |
px.range52 | 52-week range | $48.50–$73.34 | FMP | Financial Modeling Prep (FMP) quote | |
px.pe | Price / earnings (trailing) | 8.10 | FMP | Financial Modeling Prep (FMP) · quote | |
px.volume | Shares traded on the day | 504.2K | FMP | Financial Modeling Prep (FMP) · quote | |
px.beta | Beta | 0.83 | FMP | Financial Modeling Prep (FMP) company profile | |
id.ceo | Chief executive | Harris Henry Simmons | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) — Titles and pay come from the company's proxy statement as our provider parsed it. | |
id.employees | Employees | 9,195 | FMP | Financial Modeling Prep (FMP) employee count, from the company's filing | |
fin.annual | Revenue and net result by fiscal year | 5 fiscal years, FY2021 through FY2025: FY2021 revenue $2.97B, net result $1.13B; FY2022 revenue $3.34B, net result $907.00M; FY2023 revenue $4.62B, net result $680.00M; FY2024 revenue $4.99B, net result $784.00M; FY2025 revenue $4.94B, net result $899.00M | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements | |
fin.rev_mix | Reported revenue segments | Products And Services, Card Fees $139.00M · Products And Services, Commercial Account Fees $185.00M · Products And Services, Retail And Business Banking Fees $74.00M · Products And Services, Wealth Management And Trust Fees $54.00M · Products And Services, Capital Markets And Foreign Exchange Fees $19.00M | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K | |
fin.q_table.depth.2026-09-30.revenue_k | Revenue — period end 2026-09-30 | $1.24B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-09-30.net_result_k | Net income — period end 2026-09-30 | $263.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-09-30.eps | EPS — period end 2026-09-30 | $1.7800 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.revenue_k | Revenue — period end 2026-06-30 | $1.48B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.net_result_k | Net income — period end 2026-06-30 | $453.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-06-30.eps | EPS — period end 2026-06-30 | $3.0500 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.revenue_k | Revenue — period end 2026-03-31 | $1.18B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.net_result_k | Net income — period end 2026-03-31 | $233.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2026-03-31.eps | EPS — period end 2026-03-31 | $1.5600 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.revenue_k | Revenue — period end 2025-12-31 | $1.25B | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.net_result_k | Net income — period end 2025-12-31 | $263.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
fin.q_table.depth.2025-12-31.eps | EPS — period end 2025-12-31 | $1.7700 (diluted) | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements — Quarterly statement note |
earn.history.depth.2026-10-19.revenue_actual | Revenue · reported — report date 2026-10-19 | $887.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-19.revenue_estimated | Revenue · estimate — report date 2026-10-19 | $889.52M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-19.eps_actual | EPS · reported — report date 2026-10-19 | $1.7800 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-10-19.eps_estimated | EPS · estimate — report date 2026-10-19 | $1.6400 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-20.revenue_actual | Revenue · reported — report date 2026-07-20 | $878.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-20.revenue_estimated | Revenue · estimate — report date 2026-07-20 | $875.92M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-20.eps_actual | EPS · reported — report date 2026-07-20 | $3.0500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-07-20.eps_estimated | EPS · estimate — report date 2026-07-20 | $1.5700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-20.revenue_actual | Revenue · reported — report date 2026-04-20 | $849.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-20.revenue_estimated | Revenue · estimate — report date 2026-04-20 | $856.17M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-20.eps_actual | EPS · reported — report date 2026-04-20 | $1.5600 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-04-20.eps_estimated | EPS · estimate — report date 2026-04-20 | $1.4200 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-20.revenue_actual | Revenue · reported — report date 2026-01-20 | $891.00M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-20.revenue_estimated | Revenue · estimate — report date 2026-01-20 | $864.73M | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-20.eps_actual | EPS · reported — report date 2026-01-20 | $1.7500 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
earn.history.depth.2026-01-20.eps_estimated | EPS · estimate — report date 2026-01-20 | $1.5700 | Report date · | FMP | Financial Modeling Prep (FMP) earnings — Earnings-history note |
fin.q_table | Quarterly income statement | 4 quarters through Q3 FY2026 | FMP | Financial Modeling Prep (FMP) · income statement (quarterly), as filed | |
fin.opcf.depth.2026-06-30.operating_cash_flow_m | Operating cash flow — period end 2026-06-30 | $845.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.operating_cash_flow_m | Operating cash flow — period end 2026-03-31 | $463.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-06-30.capex_m | Capital expenditure (reported) — period end 2026-06-30 | −$58.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2026-03-31.capex_m | Capital expenditure (reported) — period end 2026-03-31 | −$25.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.operating_cash_flow_m | Operating cash flow — period end 2025-12-31 | $448.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-12-31.capex_m | Capital expenditure (reported) — period end 2025-12-31 | −$38.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.operating_cash_flow_m | Operating cash flow — period end 2025-09-30 | $438.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
fin.opcf.depth.2025-09-30.capex_m | Capital expenditure (reported) — period end 2025-09-30 | −$25.00M | Period end · | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements — Cash-flow note |
earn.pt_range | Analyst price target, low to high | $67.00 – $80.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_consensus | Consensus analyst price target | $75.46 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
earn.pt_median | Median analyst price target | $76.00 | FMP | Financial Modeling Prep (FMP) · price-target consensus — Captured Oct 26, 2026 · Coverage not supplied | |
own.insiders | Insider transactions via FMP | 47 transactions · 0 purchases, 10 sales, 37 other transactions · 15 identified insiders · of the newest 60 records, those within the last 180 days, newest dated Sep 30, 2026 | FMP | Financial Modeling Prep (FMP), carrying Form 4 transaction records — Purchases and sales use the reported transaction category. Other transactions include awards, exercises, gifts, withholding and unclassified activity; an acquisition or disposition alone is not a purchase or sale. These records do not establish intent. | |
own.institutions.depth.ownership_pct | Institutional ownership | 84.2% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.ownership_pct_previous_quarter | Previous quarter · ownership | 78.5% | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.institutions.depth.holders | Reporting holders | 620 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Period end Jun 30, 2026 | |
own.institutions.depth.holders_previous_quarter | Previous quarter · holders | 588 | FMP | Financial Modeling Prep (FMP) institutional ownership summary, from 13F filings — 13F filings are quarterly and lag the quarter end by up to 45 days. Prior to period end Jun 30, 2026 | |
own.top_holders.depth.holder_0.shares | Blackrock, INC. — shares in provider snapshot | 14,196,331 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_1.shares | Vanguard Portfolio Management LLC — shares in provider snapshot | 11,107,629 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_2.shares | Dimensional Fund Advisors LP — shares in provider snapshot | 7,644,441 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_3.shares | Vanguard Capital Management LLC — shares in provider snapshot | 6,632,521 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. | |
own.top_holders.depth.holder_4.shares | State Street Corp — shares in provider snapshot | 5,929,244 | FMP | Financial Modeling Prep (FMP) institutional holders, from 13F filings — Provider snapshot as of 2026-06-30; individual filing date not supplied. |
UNRECORDED — 2 facts from stored observations whose source was not recorded
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
earn.history | Reported versus estimated, recent quarters | EPS beat 8 of 8 | UNRECORDED | Stored earnings-history observation — Captured 2026-10-21 · Expired observation | |
fin.scores | Distress and quality screens | Altman Z -0.43 · Piotroski F 8 | UNRECORDED | Stored financial-scores observation — Captured 2026-10-25 · Expired observation |
COMPUTED — 4 facts from our arithmetic, formula restated
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
div.ttm_per_share | Dividends per share, last 12 months (split-adjusted) | $1.83 | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history — Sum of 4 split-adjusted declared dividends with an ex-date in the 365 days to 2026-10-26, per current share. Ex-dates are not payment dates; special dividends are included. Not a declared annual rate. | |
div.ttm_yield | Dividend yield, last 12 months | 2.76% | COMPUTED | Financial Modeling Prep (FMP) split-adjusted dividend history and quote — Split-adjusted dividends with ex-dates in the trailing 365-day window divided by the packet price, on the same current-share basis. Price date follows the quote, latest price bar or packet-build day when unstamped. Not a forecast or declared annual rate. | |
earn.history.depth.2026-10-19.revenue_actual.comparison | Latest report · revenue vs estimate | Below estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported revenue ($887.00M) with the recorded estimate ($889.52M) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
earn.history.depth.2026-10-19.eps_actual.comparison | Latest report · EPS vs estimate | Above estimate | Report date · | COMPUTED | Computed from Financial Modeling Prep (FMP) earnings — Earnings-history note — Method: compare reported EPS ($1.7800) with the recorded estimate ($1.6400) at displayed precision. Equal displayed values are in line. This compares reported results with recorded estimates, not investment returns. |
OURS — 2 facts from Stock Expert AI's own score and rank
| Fact ID | Fact | Value as shown | As of | Tier | Source |
|---|---|---|---|---|---|
ours.moonshot | MoonshotScore v2 | 96 of 100 · Exceptional · pillars 94 / 58 / 96 / 71 / 66 | OURS | Stock Expert AI MoonshotScore v2 engine | |
ours.moonshot_change | MoonshotScore movement | 96 (stored snapshot Oct 24, 2026) → 96 (current publication computed Oct 26, 2026) (0) | OURS | Stock Expert AI current score publication and immutable score snapshots — The current score publication is not yet represented in the immutable snapshot archive. |
Fact-family notes
- Quarterly statement note. Source series as of 2026-09-30. Revenue and net income are in USD; EPS is USD per share. Statement EPS is labelled diluted or basic only when its source identifies that basis. Otherwise, its basis is unknown. Applies to Fact IDs:
fin.q_table.depth.2026-09-30.revenue_k,fin.q_table.depth.2026-09-30.net_result_k,fin.q_table.depth.2026-09-30.eps,fin.q_table.depth.2026-06-30.revenue_k,fin.q_table.depth.2026-06-30.net_result_k,fin.q_table.depth.2026-06-30.eps,fin.q_table.depth.2026-03-31.revenue_k,fin.q_table.depth.2026-03-31.net_result_k,fin.q_table.depth.2026-03-31.eps,fin.q_table.depth.2025-12-31.revenue_k,fin.q_table.depth.2025-12-31.net_result_k,fin.q_table.depth.2025-12-31.eps. - Earnings-history note. Source series as of 2026-10-19. Dates are report dates, not fiscal period ends. Revenue is in USD; EPS is USD per share, rounded to four decimals. The earnings feed does not establish a basic, diluted or adjusted basis. Earnings-feed EPS may differ from statement EPS; the two series are not combined. Applies to Fact IDs:
earn.history.depth.2026-10-19.revenue_actual,earn.history.depth.2026-10-19.revenue_estimated,earn.history.depth.2026-10-19.revenue_actual.comparison,earn.history.depth.2026-10-19.eps_actual.comparison,earn.history.depth.2026-10-19.eps_actual,earn.history.depth.2026-10-19.eps_estimated,earn.history.depth.2026-07-20.revenue_actual,earn.history.depth.2026-07-20.revenue_estimated,earn.history.depth.2026-07-20.eps_actual,earn.history.depth.2026-07-20.eps_estimated,earn.history.depth.2026-04-20.revenue_actual,earn.history.depth.2026-04-20.revenue_estimated,earn.history.depth.2026-04-20.eps_actual,earn.history.depth.2026-04-20.eps_estimated,earn.history.depth.2026-01-20.revenue_actual,earn.history.depth.2026-01-20.revenue_estimated,earn.history.depth.2026-01-20.eps_actual,earn.history.depth.2026-01-20.eps_estimated. - Cash-flow note. Source series as of 2026-06-30. USD. Statement entries keep the provider’s reported sign. These financial-company figures are not used here to estimate cash runway, surplus cash, or business value. Applies to Fact IDs:
fin.opcf.depth.2026-06-30.operating_cash_flow_m,fin.opcf.depth.2026-03-31.operating_cash_flow_m,fin.opcf.depth.2026-06-30.capex_m,fin.opcf.depth.2026-03-31.capex_m,fin.opcf.depth.2025-12-31.operating_cash_flow_m,fin.opcf.depth.2025-12-31.capex_m,fin.opcf.depth.2025-09-30.operating_cash_flow_m,fin.opcf.depth.2025-09-30.capex_m.
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Sources used for research written 2026-09-13
Historical evidence preserved with this analysis. Current figures are listed separately above.
| Evidence | Captured value | Source date | Source type | Source |
|---|---|---|---|---|
| Business description | Headquartered in Salt Lake City, Utah, Zions Bancorporation, National Association is a long-standing financial institution, founded in 1873. Operating primarily across the western United States, it delivers a comprehensive suite of banking and financial services throughout Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company's diverse offerings encompass corporate banking, commercial banking (with a particular emphasis on small and medium-sized businesses), and commercial real estate financing. It also extends municipal and public finance services, retail banking (including residential mortgages), trust services, wealth management and private client banking, and capital markets products. As of December 31, 2020, Zions Bancorporation maintained a network of 422 branches, consisting of 273 owned and 149 leased locations. The institution, initially known as ZB, National Association, officially adopted its current name, Zions Bancorporation, National Association, in September 2018. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Quarterly income statement (USD thousands) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q and 10-K income statements |
| Operating cash flow by quarter (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's 10-Q cash-flow statements |
| Management outlook — dated call excerpts | Captured record · 1 entry
Selected verbatim statements from the latest available call, dated by the transcript provider. Management expectations, not completed milestones or guarantees. Relative dates retain the speaker's wording. | 2026-07-20 | OFFICIAL | Company earnings call, transcript via Financial Modeling Prep (FMP) |
| Sector / industry (provider taxonomy) | Financial Services / Banks - Regional The company's SEC filings classify it under SIC 6021 — National Commercial Banks. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) company profile |
| Revenue by segment | Products And Services, Card Fees: $139.00M; Products And Services, Commercial Account Fees: $185.00M; Products And Services, Retail And Business Banking Fees: $74.00M; Products And Services, Wealth Management And Trust Fees: $54.00M; Products And Services, Capital Markets And Foreign Exchange Fees: $19.00M | 2025-12-31 | FMP | Financial Modeling Prep (FMP) revenue segmentation, from the company's 10-K |
| Annual revenue and net result (USD millions) | Captured record · 5 entries
| 2025-12-31 | FMP | Financial Modeling Prep (FMP), from the company's 10-K income statements |
| Reported versus estimated, last 8 quarters | Captured record · 8 entries
| 2026-07-20 | FMP | Financial Modeling Prep (FMP) earnings |
| Cash, investments and debt | Total debt: $3.17B; Liquidity basis: cash and short-term investments; Total liabilities: $81.36B; Cash and short-term investments: $21.37B; Cash and investments: $83.19B; Long-term investments: $61.82B; Long-term investments classification: unclassified Long-term investments are shown separately; their marketability is not established by the provider field. The cash and short-term investment balance does not establish unrestricted availability. | 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's balance sheet |
| Cash and investment components | Total basis: cash short and long-term investments; Total: $83.19B; Cash and short-term investments: $21.37B; Long-term investments: $61.82B; Long-term investments classification: unclassified Sums the balance sheet's cash and short-term investments with its long-term investments.; The long-term investment field does not establish marketability; the sum is not a measure of available liquidity.; These provider fields do not establish investment access restrictions or explain differences from third-party cash figures. | 2026-06-30 | COMPUTED | Computed from the balance sheet |
| Cash and short-term investments over time (USD millions) | Captured record · 8 entries
| 2026-06-30 | FMP | Financial Modeling Prep (FMP), from the company's quarterly balance sheets |
| Trailing twelve-month ratio set | Quick ratio: 0.28; Current ratio: 0.28; Debt to equity: 0.41; Net margin: 22.7%; Gross margin: 71.4%; Operating margin: 29.1%; Return on assets: 1.3%; Return on equity: 16.1% Price-based multiples captured at research time are not repeated here; the page shows each once, from current figures with their own dates. A ratio our provider could not compute is absent rather than shown as zero. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key-metrics-ttm + ratios-ttm |
| Recent dividends paid | Captured record · 4 entries
Declared amounts per share on their ex-dates. A single payment does not establish an annual rate, and a special dividend is not separated here. | 2026-08-13 | FMP | Financial Modeling Prep (FMP) dividend history |
| Next earnings report | Date: 2026-10-19; EPS estimate: $1.62 per share; Revenue estimate: $891.79M The date is our provider's estimate until the company confirms it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) earnings calendar |
| Analyst revenue and earnings estimates (average) | Captured record · 4 entries
| 2026-09-13 | FMP | Financial Modeling Prep (FMP) analyst estimates |
| Recent SEC filings |
| 2026-09-09 | OFFICIAL | SEC EDGAR filer submissions |
| Named officers | CEO: Harris Henry Simmons; Officers: Dominic Karaba — Title: EVP, President & CEO of Vectra Bank Colorado, Born: 1972; Scott A. — Title: President, Chief Operating Officer & Director, Pay: $1.89M, Born: 1957; Dave Riches — Title: Interim Director of Investor Relations; Christopher Kyriakakis — Title: Executive Vice President & Chief Risk Officer, Pay: $1.06M, Born: 1972; Kenneth Jay Collins — Title: Executive VP and Chief Transformation & Operations Officer, Born: 1966; Rena Miller — Title: Executive Vice President, General Counsel & Corporate Secretary, Born: 1960; Harris Henry Simmons — Title: Chairman & Chief Executive Officer, Pay: $3.53M, Born: 1954; Robert Ryan Richards — Title: Executive Vice President & Chief Financial Officer, Pay: $1.21M, Born: 1977 Titles and pay come from the company's proxy statement as our provider parsed it. | 2026-09-13 | FMP | Financial Modeling Prep (FMP) key executives (proxy-derived) |
Data provided for informational purposes only.