Zions Bancorporation National Association stock analysis
Zions Bancorporation National Association (ZB1) Stock Price & Analysis
ZB1 Stock Chart & Stats
- Day’s Range
- N/A
- 52-Week Range
- N/A
- Previous Close
- N/A
- Volume
- N/A
- Average Volume (3M)
- N/A
- Market Cap
- CHF 7.93B
- Enterprise Value
- CHF 11.95B
- Total Cash (Recent Filing)
- CHF 22.82B
- Total Debt (Recent Filing)
- CHF 3.26B
- Price to Earnings (P/E)
- 8.1
- Beta
- 0.31
- Next Earnings
- Jan 26, 2027 (Est.)
- EPS Estimate
- 1.4
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.68%
Bulls Say, Bears Say
Bulls Say
Profitability And Cash Generation
The TTM recovery combines higher revenue, stronger margins and substantial free cash flow, indicating improved earnings quality rather than growth driven only by balance-sheet expansion. Strong cash conversion can support capital needs, shareholder distributions and continued investment over the next several quarters.
Capital And Funding Position
Improved leverage, growing equity and a stable CET1 ratio provide a stronger cushion against credit or market stress. The capital position also gives Zions greater flexibility to support customer lending, absorb volatility and pursue strategic growth without relying as heavily on wholesale funding.
Differentiated Fee Platforms
The multifamily agency platform adds differentiated access to Fannie Mae, Freddie Mac and CMBS activity, broadening Zions beyond traditional spread income. If integration and production ramp as planned, the platform can deepen client relationships and create a more durable source of fee revenue.
Bears Say
Margin And Funding-Cost Pressure
Rising deposit and funding costs are compressing the spread between earning assets and liabilities, directly pressuring a core earnings driver. The expected further increase in deposit pricing could limit the benefit of higher asset yields and make profitability more sensitive to funding mix and rate conditions.
Moderated Loan Growth
Slower loan expansion limits balance-sheet growth and reduces the opportunity to compound net interest income through greater earning-asset volumes. Competitive pricing, higher rates and commercial real estate conditions may also constrain returns, even as management maintains underwriting discipline.
Acquisition Integration Drag
The acquired platform is currently dilutive because integration and personnel costs substantially exceed its early revenue contribution. Benefits are expected to build gradually, so near-term operating leverage and reported efficiency may remain restrained until production scales and the platform is fully integrated.
Zions Bancorporation National Association News
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Zions Bancorporation National Association Stock Smart Score
Company Description
Zions Bancorporation National Association
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.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Harris Henry Simmons
- Employees
- 8,996
- Website
- www.zionsbancorporation.com
- Address
- One South Main Street, Salt Lake City, UT, 84133-1109, US
Zions Bancorporation National Association (ZB1) Earnings & Revenues
ZB1 Company Deck
ZB1 Earnings Call
Earnings Call SentimentPositive
The call was broadly positive, supported by 20% year-over-year growth in earnings per share, strong credit quality, deposit growth, fee income momentum, capital strength and multiple strategic growth initiatives. The main challenges were net interest margin compression, rising deposit costs, moderated loan growth expectations, higher acquisition-related expenses, flat wealth fees and increased AOCI losses. Management nevertheless provided constructive 2027 outlooks for net interest income, fee income and operating leverage.
View all CH:ZB1 earnings summariesZB1 Net sales Breakdown
- 77.61% Net interest income
- 22.39% Noninterest income
