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Companies / Financials / Zions Bancorporation, National Association
ZION

Zions Bancorporation, National Association

FinancialsCommercial Banks
Ticker ZIONSALT LAKE CITY, UTFiscal year ends DecemberBook value per share $52.39Diluted shares 146.6M

Zions Bancorporation, National Association (NASDAQ: ZION) operates as a regional bank headquartered in Salt Lake City, Utah, serving customers across 11 Western states including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company maintains a website at… From the company’s description.

Fiscal year 2025 · ends 12-31Changes are against fiscal 2024The amber dot is the latest twelve months, to 2026-06-30
Sales & profitability
$3.38BFY2025
+8.1% year over year
Last 12 mo $3.74B
34.71%FY2025
+2.4 percentage points
Last 12 mo 40.16%
$899.00MFY2025
+14.7% year over year
Last 12 mo $1.17B
12.52%FY2025
−0.3 percentage points
Last 12 mo 15.25%
Cash & financing
$1.07BFY2025
−6.5% year over year
Last 12 mo $1.80B
$952.00MFY2025
−9.4% year over year
Last 12 mo $1.68B
10.74FY2025
Was 12.60× a year earlier
Last 12 mo 0.25
147.2MFY2025
No change, year over year
Last 12 mo 146.6M

Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.

What Zions Bancorporation, National Association does

In the company’s own words

Zions Bancorporation, National Association (NASDAQ: ZION) operates as a regional bank headquartered in Salt Lake City, Utah, serving customers across 11 Western states including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company maintains a website at www.zionsbancorporation.com.

With approximately $89 billion in total assets and annual net revenue of $3.4 billion, Zions Bancorporation serves more than one million customers through 407 branches and digital channels. The organization employs 9,195 full-time equivalent employees and operates through seven separately managed, geographically defined affiliate banks, each maintaining its own local brand and management team: Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington.

The company's business segments include commercial and small business banking, capital markets and investment banking, commercial real estate lending, retail banking, and wealth management. Commercial and small business banking encompasses lending, leasing, depository services, cash management, and merchant processing. Capital markets offerings include loan syndication, risk management services, securities underwriting, and mergers and acquisitions advisory. The commercial real estate division provides term and construction financing secured by multifamily, industrial, retail, office, and residential properties. Retail banking delivers residential mortgages, home equity lines of credit, personal loans, depository accounts, and consumer credit cards. Wealth management provides investment management, fiduciary services, and estate planning solutions.

Zions Bancorporation competes in a highly competitive environment against commercial banks, credit unions, financial technology companies, and private credit funds. The company emphasizes local authority and accountability, leveraging deep community relationships and locally informed pricing to differentiate its service offerings. The organization maintains robust governance frameworks addressing credit risk, interest rate and market risk, liquidity risk, operational risk, cybersecurity risk, and compliance with extensive federal and state banking regulations administered by the Office of the Comptroller of the Currency, Consumer Financial Protection Bureau, and Federal Deposit Insurance Corporation.

Company details
Sector
Financials
Industry (SIC)
Commercial Banks
Headquarters
SALT LAKE CITY, UT
Fiscal year end
December
CIK
109380
SIC
6021

Financial performance, year by year

Fiscal 2013–2025 · USD
$-373.80M$747.60M$1.87B$2.99B$4.11B2013201420152016201720182019202020212022202320242025Last 12 moLast 12 monthsLast 12 months

The full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.

Ownership

Who owns Zions Bancorporation, National Association — and what changed

Funds as of 2026Q2 · superinvestors as of 2026-06-30

444
funds hold it
0 of 35
superinvestors hold it
$3.82B
held by funds, at market
39.0%
of shares held by funds

Largest fund holders · Zions Bancorporation, National Association’s weight in each

iShares Core S&P Mid-Cap ETF
IJH · iShares Trust
0.28%of fund net assets
VANGUARD TOTAL STOCK MARKET INDEX FUND
VTI · VANGUARD INDEX FUNDS
0.01%of fund net assets
VANGUARD SMALL-CAP INDEX FUND
VB · VANGUARD INDEX FUNDS
0.12%of fund net assets
FULLERTHALER BEHAVIORAL SMALL CAP EQUITY
FTHNX · Capitol Series Trust
1.38%of fund net assets
VANGUARD SMALL-CAP VALUE INDEX FUND
VBR · VANGUARD INDEX FUNDS
0.22%of fund net assets

Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.

Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.

Could not be determined for this company: bond issues.

Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.

Connected research

Put this business in context.

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  • “How do Zions Bancorporation, National Association and its peers compare on margins and cash generation over ten years?”
  • “Where did five years of Zions Bancorporation, National Association's earnings go — cash, debt, buybacks, reinvestment?”
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