Stocktoria
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ ZION
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) earns a Piotroski F-score of 6/9 (mixed financial health). It pays a dividend yielding 2.72% (safety: safe). FY2025 revenue was $662.0M at a 135.8% net margin.
Quality score trend · recomputed for each fiscal year
Each year's score is computed from that year's filing — a rising Piotroski F or Altman Z″ means improving financial health, a fall is worth a look.
Analyst price target
Recent analyst actions
| Date | Firm | Rating |
|---|---|---|
| 2026-07-23 | Evercore ISI Group | Underperform (down) |
| 2026-07-21 | Wells Fargo | Equal-Weight (main) |
| 2026-07-21 | DA Davidson | Buy (main) |
| 2026-07-21 | RBC Capital | Sector Perform (main) |
| 2026-07-21 | Stephens & Co. | Overweight (main) |
| 2026-07-21 | JP Morgan | Underweight (down) |
Wall Street analyst consensus — a sentiment gauge, not our scoring.
Forward estimates · earnings calendar →
Consensus analyst estimates and scheduled dates — forward-looking, may change.
Smart money · insiders, last 12 months
Open-market insider purchases minus sells (SEC Form 4) — real buying with their own money is a bullish “smart money” signal; grants and option exercises are excluded.
How it ranks in Finance, Insurance & Real Estate · percentile among 1129 companies
Percentile vs other Finance, Insurance & Real Estate companies we cover — e.g. “stronger than 90%” means only 10% score higher on that measure.
Piotroski F breakdown · 6/9 tests passed
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Sector peers · similar-size Finance, Insurance & Real Estate companies compare side by side →
| Ticker | Company | Piotroski F | Altman Z″ | P / E | Revenue growth |
|---|---|---|---|---|---|
| ZION | ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ | 6/9 | — | 10.9 | +3.6% |
| PRK | PARK NATIONAL CORP /OH/ | 6/9 | — | 18.3 | +2.9% |
| CBU | COMMUNITY FINANCIAL SYSTEM, INC. | 6/9 | — | 16.8 | +9.6% |
| CASH | PATHWARD FINANCIAL, INC. | 6/9 | — | 9.9 | +5.3% |
| WBHC | WILSON BANK HOLDING CO | 6/9 | — | 243.5 | +14.2% |
| FULT | FULTON FINANCIAL CORP | 3/9 | — | 11.8 | -6.5% |
| HAFC | HANMI FINANCIAL CORP | 6/9 | — | 12.8 | +15.3% |
All Finance, Insurance & Real Estate companies →
About ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington segments. It offers commercial and small business banking services to small- and medium-sized businesses, such as commercial, industrial, and owner-occupied lending and leasing; municipal and public finance services; depository account and cash management services; commercial and small business cards; merchant processing services; corporate trust services; and correspondent banking and international lending services. The company also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, mergers and acquisitions advisory services, advisory and capital raising, commercial mortgage-backed security conduit lending, and power and project financing; and commercial real estate lending services consisting of term and construction/land development financing for commercial and residential purposes. In addition, it offers retail banking services comprising residential mortgages lending, home equity lines of credit, personal lines of credit, installment consumer loans, depository account services, consumer cards, and personal trust services; and wealth management services consisting of investment management, fiduciary and estate, and advanced business succession and estate planning services. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.
FAQ
Is ZION financially healthy?
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s Piotroski F-score is 6/9 (8–9 is excellent, 0–3 weak).
Does ZION pay a dividend, and is it safe?
Yes. ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ pays a dividend yielding about 2.72% with a 29.7% payout ratio, rated “safe” for safety.
How profitable is ZION?
In FY2025, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ had a net margin of 135.8% and a return on equity of 12.5%.
Is ZION overvalued or undervalued?
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ trades at about 12.0× trailing earnings — near its 10-year norm (10-year range 9.2×–21.2×, median 11.7×). Stocktoria reports the data, not buy/sell advice.
What is the analyst price target for ZION?
The average Wall-Street price target for ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ is $74.95, about 4.2% above the recent price, from 21 analysts (consensus: hold).
Is ZION a good stock to buy?
Stocktoria doesn't give buy or sell advice, but here is the data on ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/: a Piotroski F-score of 6/9, a P/E of about 10.9×, a dividend yield of 2.72%. Weigh these quality and valuation signals against your own goals.
Computed from company filings · US · as of 2025-12-31. Facts plus Stocktoria's own computed scores — not investment advice.