zion stock: Zions Bancorporation Overview

Zions Bancorporation (ZION)

zion stock most commonly refers to Zions Bancorporation, N.A. (ticker: ZION), a U.S. regional bank holding company headquartered in Salt Lake City, Utah. This article explains who Zions Bancorporation is, summarizes its business lines and geographic footprint, reviews recent Q4 2025 results and market data, and lists investor-relevant metrics and risks. Readers will gain a clear, neutral reference on zion stock and where to find official disclosures and market quotes.

Company overview

Zions Bancorporation, N.A. is a U.S. regional bank holding company providing retail banking, commercial lending, wealth management, and capital markets services. Founded in the 19th century and headquartered in Salt Lake City, Utah, the company operates multiple regional banking brands across the Western United States, including Zions Bank, Amegy Bank, California Bank & Trust, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington. The firm serves consumer, small business, and commercial clients, with complementary wealth and advisory services for high-net-worth customers and institutions.

The corporate structure is that of a publicly listed holding company (Nasdaq ticker ZION) with subsidiary banks operating under regional brand names to cover distinct state markets. The company’s stated mission centers on supporting local businesses and communities while pursuing prudent balance-sheet growth and returns for shareholders.

History

• Founded in 1873 during Utah’s pioneer era and named in reference to Mount Zion, the company began as a local bank serving the Salt Lake Valley.
• Over time, Zions expanded through organic growth and acquisitions across the western U.S., adding a patchwork of regional brands that now operate under the Zions Bancorporation umbrella.
• Throughout the 20th and early 21st centuries, the company underwent bank holding structuring and periodic reorganizations to align subsidiaries and capital management.
• Recent decades saw targeted acquisitions and branch expansion focused on states across the Mountain West, California, Texas (Amegy), Arizona, Nevada, and the Pacific Northwest—building a diversified, regionally concentrated franchise.
• In FY2025 and late 2025, the company reported material loan portfolio and operational events, including a Q3 2025 commercial loan charge-off tied to two commercial loans in the California Bank & Trust division; the bank set aside reserves and pursued recovery action, an episode that attracted market attention.

Business operations and segments

Zions Bancorporation operates through several complementary business lines. For clarity, these are summarized below.

Retail and Commercial Banking

Retail and commercial banking form the backbone of zion stock’s operating franchise. Core activities include accepting deposits (checking, savings, CDs), originating consumer and commercial loans (commercial real estate, commercial & industrial, residential mortgages, and consumer credit), and servicing accounts via branches and digital channels.

• Branch network: Zions operates hundreds of branch locations across the western U.S., managed through its regional brands to meet local customer needs.
• Customer segments: Retail (consumers and households), small-business banking, and middle-market / commercial clients.
• Revenue drivers: Net interest income (NII) from loans and securities less interest expense on deposits and wholesale funding; fee income from account and transaction services.

Wealth Management and Private Banking

The company offers wealth management and fiduciary services, including investment advisory, trust services, private banking, and retirement plan administration. These services provide fee-based income and relationship depth that can cross-sell products from the retail and commercial sides.

Capital Markets and Investment Banking

Zions provides capital markets and corporate finance services such as treasury management, investment banking advisory for middle-market clients, commercial loan syndications, and trading/markets activity to support client financing and hedging needs. This segment complements lending by offering advisory and markets solutions to corporate clients.

Geographic footprint

Zions has a concentrated regional footprint primarily across these states and regions: Utah, California, Arizona, Colorado, Nevada, Texas (through Amegy Bank), and Washington state (through The Commerce Bank of Washington). The regional focus means that local economic conditions, housing markets, and commercial real estate trends within these states materially influence the company’s credit and deposit dynamics.

Stock market information

Ticker, exchange and classification

• Ticker symbol: ZION
• Primary exchange: Nasdaq
• Market-cap classification: As of recent reporting, zion stock is commonly classified in the mid-cap range (the market capitalization reported near the Q4 2025 release was approximately $8.8 billion).

Trading data and key metrics

Investors commonly track a set of market and financial metrics for zion stock. Typical measures include market capitalization, price-to-earnings (P/E) ratio, dividend yield, average daily trading volume, and 52-week high/low. Based on the most recent public reporting and market data:

• Market capitalization: reported roughly $8.8 billion as of the Q4 2025 reporting cycle (see TradingView and other market data providers).
• Recent price levels: the share price traded near $60.80–$60.96 around the Q4 2025 announcement timeframe (sources reported intraday highs near $60.94 and a 52-week high around $60.96 in January 2026).
• Average volume: investors reference average daily volume from market data pages; zion stock typically shows moderate liquidity relative to large-cap banks.
• Dividend yield and payout: Zions pays regular common dividends; yield and declared amounts vary with market price and board declarations (see the Dividends section below for recent figures).

(Exact current metrics such as P/E and yield should be confirmed against live market pages and recent SEC filings for the latest values.)

Historical price performance

Long-term charts and historical price series show that zion stock has delivered modest capital appreciation over several multi-year periods while exhibiting episodes of heightened volatility tied to regional loan exposures and macroeconomic shifts. For example, an investor who purchased $1,000 worth of ZION five years prior to the Q4 2025 reporting would have seen that investment grow to roughly $1,286 based on the price points cited in contemporaneous coverage. Macrotrends and other historical data repositories provide multi-year charts and total-return series that investors use to evaluate long-term performance.

Financial performance

Recent quarterly / annual results (Q4 2025 highlights)

As of January 28, 2026, according to multiple market reports and company disclosures summarizing Q4 CY2025 results, zion stock’s parent reported earnings and revenue that beat consensus estimates in several respects:

• EPS (GAAP) for Q4 CY2025: $1.76 per share, beating analyst consensus (~$1.57) by about 12.4%.
• Revenue (adjusted/total as reported): $891 million (an 8.5% year-over-year increase and approximately a 2.4% beat versus consensus estimates reported by market outlets).
• Net interest income (NII): $683 million, slightly below some analyst estimates (~$684.6 million), with net interest margin (NIM) reported at about 3.3%.
• Efficiency ratio: reported around 62.3% (higher than the ~61.4% analyst estimate), indicating rising operating costs relative to revenue in the quarter.
• Tangible book value per share (TBVPS): $40.79, up roughly 20.5% year-over-year and slightly above some estimates.
• Market reaction: shares initially rose after the release (intraday moves reported around +2.7% to +3.1%), then cooled but remained above the previous close in the narrow range cited by market sources.

Sources reporting these results included TradingView summaries, Benzinga, Associated Press (AP), Zacks, and other financial outlets that aggregated the company’s press release and SEC filings. The company’s chairman and CEO highlighted EPS growth and adjusted revenue gains while noting an expense item tied to charitable donation treatment affecting adjusted operating expense comparisons.

Key financial ratios and balance-sheet metrics

Investors commonly examine the following measures for zion stock:

• Revenue and net income (reported on quarterly and annual basis).
• Net Interest Margin (NIM): reflects lending spreads; Q4 2025 reported NIM was ~3.3%.
• Efficiency ratio: operating expense divided by revenue; a higher ratio implies weaker operating leverage (Q4 2025 ~62.3%).
• Capital ratios: Common Equity Tier 1 (CET1) and other regulatory capital measures are tracked in quarterly filings; these indicate capital adequacy and loss-absorbing capacity.
• Loans and deposits trends: growth/decline in loans and deposits, loan composition, nonperforming assets, and allowance for loan losses provide insight into credit quality and funding.

Analysts also monitor tangible book value per share (TBVPS) as a bank-specific metric; at Q4 2025 TBVPS was reported at $40.79 with multi-year growth acceleration relative to prior years.

Dividends and shareholder distributions

Zions has historically paid regular common dividends. Dividend amounts, yields, and ex-dividend dates are declared by the board and vary over time. As with other bank stocks, the dividend yield depends on the prevailing share price. Investors should consult the most recent company dividend notices and market quote pages to verify the declared dividend amount and relevant dates. Dividend policy aims to balance shareholder distributions with capital needs and regulatory expectations.

(For trading and custody of dividend-paying equities, Bitget offers trading services and Bitget Wallet for custody and portfolio monitoring.)

Ownership and institutional holdings

Institutional investors and mutual funds hold material shares of zion stock; filings and market-data providers list the largest institutional holders and insider ownership percentages. Major institutional holders typically include investment advisors, mutual funds, and pension-related managers. Insider ownership trends (board members and executive officers) are reported in SEC filings; investors review these filings for updates on insider purchases, sales, and plan-driven transactions.

Analyst coverage and market sentiment

Analyst coverage for zion stock is provided by regional and national brokerages and independent research providers. Following Q4 CY2025 results, some analysts adjusted price targets modestly upward while maintaining neutral or sector-weighted ratings:

• Example analyst actions around the Q4 release included price-target adjustments in the mid-$60s (e.g., one firm moved its target from $63 to $65 while keeping an equal-weight rating; another raised its target from $63 to $64 and maintained a sector-perform stance).
• Consensus themes among analysts often include emphasis on credit quality (especially commercial real estate and exposure by region), loan growth prospects, net interest income sensitivity to rates, expense control (efficiency ratio), and TBVPS growth.

Market sentiment tends to treat zion stock as a regional bank exposure—less volatile than smaller community banks in some periods but still sensitive to regional economic trends and sector-wide stress events. Newsflow such as material loan charge-offs, legal actions, or regulatory items can produce outsized short-term reactions.

Corporate governance and leadership

Zions Bancorporation’s governance structure includes a board of directors and an executive leadership team responsible for strategy and operations. The company’s CEO and chairman positions have been public focal points; for example, Harris H. Simmons provided commentary on Q4 CY2025 results and noted items that influenced adjusted operating expense. Investors monitor leadership stability, succession planning, and governance disclosures (committee charters, compensation policies, and board independence) in the company’s proxy statements and investor relations materials.

Major corporate events and developments

Recent material events that affected zion stock and investor perception include:

• Q4 CY2025 earnings release: the company beat EPS and revenue estimates, with TBVPS growth and mixed NII and efficiency outcomes (reported late January 2026).
• Q3 CY2025 charge-off event: the company disclosed a charge-off tied to approximately $60 million of loans at California Bank & Trust, recording a $50 million charge-off and reserving to cover potential losses while pursuing legal recovery. This disclosure triggered a notable share-price move in the prior quarter and remains a reference point for credit risk discussions.
• Legal and recovery actions: Zions publicly noted pursuing recovery efforts related to the charged-off loans; outcomes of litigation or recoveries bear on ultimate credit loss realization.

These events are described in company filings and summarized in news outlets and research notes; readers should consult the company’s periodic reports for full detail and status updates.

Risks and controversies

Key risk categories affecting zion stock include:

• Credit risk: concentration in regional commercial real estate, commercial and industrial lending, and exposure to localized economic downturns in the Western U.S. may increase loan delinquencies and charge-offs.
• Interest-rate sensitivity: banks’ net interest income and margin depend on the interest-rate environment, deposit pricing, and asset-liability management.
• Operational risk and expense control: higher-than-expected operating costs can weaken efficiency ratios and profitability; Q4 CY2025 showed an elevated efficiency ratio that drew analyst attention.
• Regulatory and compliance risk: banking regulation and supervisory scrutiny can result in capital or operational constraints and fines if deficiencies are found.
• Reputation and legal risk: events such as loan misrepresentations, underwriting failures, or litigation (for example the Q3 2025 charge-off and related borrower disputes) can lead to losses and reputational damage.

No regulatory enforcement action of a systemic nature was reported in the Q4 CY2025 disclosure cycle in the materials summarized here, but investors should read the company’s risk-factor disclosures and recent filings for the latest information.

Investment considerations (neutral framing)

Investors examining zion stock typically weigh the following factors in a neutral, non-advisory manner:

• Valuation vs. peers: P/E, TBVPS multiples, and dividend yield compared to regional bank peers and historical ranges.
• Earnings quality: degree to which earnings are driven by stable net interest income vs. nonrecurring gains or securities marks.
• Credit metrics: trends in nonperforming loans, allowance coverage, charge-offs, and sector/geographic concentration.
• Capital strength: CET1 and other regulatory ratios indicating capacity to absorb losses and support growth or dividend payouts.
• Growth prospects: loan and deposit growth in core markets, cross-sell opportunities from wealth management, and capital markets activity.
• Macro and regional context: housing markets, energy or mining exposures (if relevant in certain states), and small-business health across the Western U.S.

This article does not provide investment advice. Readers interested in trading equities should consult licensed financial advisors and verify current market data before taking action. For users seeking a trading platform or custody options, Bitget provides trading services and Bitget Wallet as custody and portfolio tools.

See also

• Regional banks and banking sector indices
• Bank financial metrics: Net Interest Margin (NIM), Efficiency Ratio, TBVPS, CET1
• Zions’ regional bank brands and state banking markets

References

All references cited below were used to compile the factual material in this article. Readers should consult the original sources and the company’s SEC filings for complete details and the latest disclosures.

• Yahoo Finance: Zions Bancorporation (ZION) quote and company overview (market pages and data summaries).
• Robinhood: ZION stock page and key statistics summary.
• CNN Markets: ZION stock quote, news, and analyst headlines.
• Seeking Alpha: ZION company page, articles, and news summaries.
• TradingView: Q4 2025 results summary and market reaction notes.
• Zions Bancorporation Investor Relations: official investor releases, press releases, and SEC filings.
• Macrotrends: historical price data and long-term charts for ZION.
• Nasdaq: listing and market-classification information for ZION.
• Benzinga, Zacks, Associated Press (AP): aggregated news reports summarizing Q4 CY2025 results and market commentary (reported in late January 2026).

(Readers should check the dates and the latest filings and market pages to verify numbers at the time of reading.)

External links

• Zions Bancorporation — Investor relations (official corporate disclosures) — consult the company investor page for SEC filings and press releases.
• Market quote pages — consult major market data providers for live quotes and historical charts.

Further steps: Want to track zion stock in a live portfolio or explore trading options? Consider using Bitget’s trading platform for market access and Bitget Wallet for custody and portfolio monitoring. Explore company filings on the issuer’s investor relations page to confirm the latest metrics before making any decisions.