# Zions Bancorporation N.A. (ZION) — Stock CV

Zions Bancorporation N.A. is a $9.12B financial services company. Revenue grew 3.9% over the last year, and it keeps 23¢ of every dollar of sales as profit. It trades at 7.6× earnings — in the cheapest third of its own history.

> Zions Bancorp is a US regional bank with around $90 billion in total assets as of June 30, 2026. Headquartered in Salt Lake City, Utah, Zions' branch network is in the Western and Southwestern United States and includes seven affiliate banks in these markets.

## Identity

- **Ticker**: ZION
- **Sector**: Financial Services
- **Industry**: National Commercial Banks
- **Headquarters**: SALT LAKE CITY, UT
- **Employees**: 9 195
- **Website**: https://www.zionsbancorporation.com
- **Market cap**: $9.12B
- **Last price**: $62.49
- **Financial profile**: Strained

## Vitals (TTM)

- **Revenue**: $5.16B
- **Net income**: $1.17B
- **Free cash flow**: $1.68B
- **Net cash**: $631M
- **P/E**: 7.6
- **Revenue growth (YoY)**: 3.9%

## Skills (profile scores, 0–100)

| Pillar | Score |
|---|---|
| Valuation | 80 |
| Growth | 40 |
| Profitability | 82 |
| Health | 50 |
| Quality | 65 |
| Moat | 50 |

## Qualifications (beginner checklist) — 10 of 11 passed

- [x] Revenue growing — +3.9% YoY
- [x] Profitable — $1.17B TTM
- [x] Profit growing — +0.4% YoY
- [x] Generates cash — $1.68B TTM
- [x] Debt under control — more cash than debt
- [x] Established company — $9.12B market cap
- [x] Not printing shares — -11.1% shares over ~5y
- [x] Proven track record — 10/10 profitable years
- [ ] Financially stable — health score 25/100
- [x] Pays a dividend — yield 3.07%
- [x] Valuation not extreme — P/E 7.6

## Experience (career milestones)

- **FY2021** — Best year on record: $1.13B net income
- **FY2016** — Profitable every year on record: 10 consecutive profitable years in our data
- **FY2016** — Revenue already above $1B: $2.47B in first reported year
- **FY2016** — Positive free cash flow every year since: 10-year streak

## Strengths

- Strongly profitable — 22.7% net margin
- Strong cash conversion — FCF is 32.5% of revenue
- Net cash position after subtracting debt from cash

## Watch-outs

- None stand out in the data.

## Track record

| Year | Revenue | Net income | Free cash flow |
|---|---|---|---|
| FY2021 | $2.97B | $1.13B | $423M |
| FY2022 | $3.34B | $907M | $1.28B |
| FY2023 | $4.62B | $680M | $772M |
| FY2024 | $4.99B | $784M | $1.05B |
| FY2025 | $4.94B | $899M | $952M |

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Source: https://stockcv.com/ZION — derived from company filings; may be delayed or incomplete. Information, not investment advice.