ZION- Zions Bancorporation, National Association
Financial Services · Banks - Regional
Price & Performance
Performance
Analysis & Verdict
Analyst Ratings
HoldWall Street consensus from 21 analysts
12-Month Price Target
$74.95
Based on analyst estimates; price targets are opinions, not guarantees.
Fair Value Estimates
Current price: $69.18
Graham Number
√(22.5 × EPS × Book Value)
$96.00
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$26.93
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
100% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
16.4%Return on equity - measures how efficiently capital is used
Positive profit margin
31.8%Net profit margin must be positive - company earns more than it spends
Revenue growth (annual)
+35.2%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+87.1%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$106M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.79%Stock must distribute income to shareholders
Financials
Revenue & Results
Key Statistics
Earnings
Next Earnings
Oct 19, 2026
34
days
EPS (TTM)
$7.85
P/E (TTM)
8.8
Fwd P/E
10.1
SEC Filings & Reported Financials
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Insider Transactions
SEC Form 4 · officers, directors & 10% owners
Dividends & Income
Dividends
Current DY
2.79%
5Y Avg Annual
$1.6040
Last Payment
$0.4800
Ex-Date
08/13/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest08/13/2026 | 08/20/2026 | $0.4800 | 2.78% |
05/14/2026 | 05/21/2026 | $0.4500 | 2.60% |
02/12/2026 | 02/19/2026 | $0.4500 | 2.60% |
11/13/2025 | 11/20/2025 | $0.4500 | 2.60% |
08/14/2025 | 08/21/2025 | $0.4500 | 2.60% |
05/15/2025 | 05/22/2025 | $0.4300 | 2.49% |
02/13/2025 | 02/20/2025 | $0.4300 | 2.49% |
11/14/2024 | 11/21/2024 | $0.4300 | 2.49% |
Magic Number
Shares needed to self-fund your next purchase
$69.18
Price
$0.4800
Last div. (quarterly)
145
shares
Own 145 ZION shares ($10,031.10) and each quarterly dividend pays for 1 new share - the snowball runs on its own.
Investment target
$10,031.10
New shares / year
+4 shares
Dividend Calculator
2.78% yieldEstimate ZION dividend income at the current rate.
Per year
$277.54
Per month
$23.13
≈ 144.6 shares at $1.92/share a year. Estimate only - dividends can be cut or raised.
Tools & Simulators
ZION vs Peers, Indexes & Commodities
?Click a card below to plot it on the chart
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Parameters
Final value
$426,404.61
Total invested
$130,000.00
Total interest
$296,404.61
Balance over time
Period breakdown
| Period | Balance | Invested | Interest |
|---|---|---|---|
| Start | $10,000.00 | $10,000.00 | $0.00 |
| Year 1 | $17,270.27 | $16,000.00 | $1,270.27 |
| Year 2 | $25,267.56 | $22,000.00 | $3,267.56 |
| Year 3 | $34,064.59 | $28,000.00 | $6,064.59 |
| Year 4 | $43,741.32 | $34,000.00 | $9,741.32 |
| Year 5 | $54,385.72 | $40,000.00 | $14,385.72 |
| Year 6 | $66,094.55 | $46,000.00 | $20,094.55 |
| Year 7 | $78,974.28 | $52,000.00 | $26,974.28 |
| Year 8 | $93,141.97 | $58,000.00 | $35,141.97 |
| Year 9 | $108,726.44 | $64,000.00 | $44,726.44 |
| Year 10 | $125,869.35 | $70,000.00 | $55,869.35 |
| Year 11 | $144,726.56 | $76,000.00 | $68,726.56 |
| Year 12 | $165,469.48 | $82,000.00 | $83,469.48 |
| Year 13 | $188,286.70 | $88,000.00 | $100,286.70 |
| Year 14 | $213,385.63 | $94,000.00 | $119,385.63 |
| Year 15 | $240,994.47 | $100,000.00 | $140,994.47 |
| Year 16 | $271,364.18 | $106,000.00 | $165,364.18 |
| Year 17 | $304,770.87 | $112,000.00 | $192,770.87 |
| Year 18 | $341,518.22 | $118,000.00 | $223,518.22 |
| Year 19 | $381,940.31 | $124,000.00 | $257,940.31 |
| Year 20 | $426,404.61 | $130,000.00 | $296,404.61 |
What is compound interest?
Compound interest means that the interest you earn in one period is added to your principal, so in the next period you earn interest on a larger base. This creates exponential growth: the longer your time horizon, the more dramatic the effect.
Which rate should I use?
The S&P 500 has historically returned ~10%/year before inflation over long periods - use this for an all-equity US index fund scenario. A balanced growth portfolio (stocks + bonds) is closer to 7%. High-yield savings accounts (HYSA) are currently paying around 4-5% with FDIC insurance and zero market risk. Bonds historically return ~4% annualized.
Formula used
FV = PV × (1+r)^n + PMT × ((1+r)^n − 1) / rwhere r is the monthly rate, n is the number of months, PV is the initial investment, and PMT is the monthly contribution. Annual rates are converted to monthly viar = (1 + annual%)^(1/12) − 1.
For educational purposes only. Not financial advice. Past returns do not guarantee future results.
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About Zions Bancorporation, National Association
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.
Sector
Financial Services
Industry
Banks - Regional
Location
Salt Lake City, United States
Employees
9,039
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Zions Bancorporation, National Association (ZION) stock trades at $69.18, up 0.63% on the day. With a market capitalization of $10.10 billion, ZION is a large-cap financial services stock. It trades at a price-to-earnings (P/E) ratio of 8.8, a forward P/E of 10.1 and earnings per share (EPS) of $7.85. Over the most recent period the company reported 35% year-over-year revenue growth and a net profit margin of 31.8%. Below you'll find ZION's full fundamentals, fair-value estimates, dividend history, earnings and our buy, hold or avoid verdict for 2026.
ZION - Frequently Asked Questions
Is Zions Bancorporation, National Association (ZION) a good stock to buy in 2026?
Zions Bancorporation, National Association (ZION) shows strengths such as revenue growth of 35%, a strong 32% net margin and a 16% return on equity. Whether ZION is a good buy in 2026 depends on your time horizon and risk tolerance - review the full bull case, bear case and fair-value estimates above. This is informational analysis, not financial advice.
What is ZION's stock price today?
Zions Bancorporation, National Association (ZION) trades at $69.18, up 0.63% on the session. Prices on this page update throughout the trading day.
Does ZION pay a dividend?
Yes. Zions Bancorporation, National Association pays an annual dividend of $1.92 per share, a dividend yield of 2.79%. The most recent ex-dividend date was August 13, 2026. Its payout ratio is about 23% of earnings.
Is ZION overvalued?
With a P/E ratio of 8.8×, ZION trades at a relatively modest valuation for the financial services sector. Its PEG ratio is 4.36. See the Fair Value Estimates section above for Graham Number and dividend-based price targets.
What is ZION's market cap?
Zions Bancorporation, National Association (ZION) has a market capitalization of $10.10 billion, classifying it as a large-cap stock in the Financial Services sector.
Disclaimer: This page - including any buy/hold/avoid view, fair value or price estimate - is generated from market data for informational and educational purposes only and does not constitute financial, investment or trading advice. Data may be delayed or inaccurate. Always do your own research and consult a licensed financial advisor before making any investment decision.