Market Summary
USD32.11+1.40
Market Closed4.56%
ZION Stock Price
ZION RSI Chart
ZION Valuation
ZION Price/Sales (Trailing)
ZION Profitability
ZION Fundamentals
ZION Revenue
ZION Earnings
Price Action
52 Week Range
22.5569.70
(Low)(High)
Last 7 days
-34.2%
Last 30 days
-41.5%
Last 90 days
-34.5%
Trailing 12 Months
-52.0%
ZION Financial Health
ZION Investor Care
Peers (Alternatives to Zions Bancorp)
View All Peers In Detail| Name | Mkt Capsorted ascending | Revenue | Price %, 1M | Returns, 1Y | P/E | P/S | Rev 1-Yr | Inc 1-Yr |
|---|---|---|---|---|---|---|---|---|
| LARGE-CAP | ||||||||
JPM | 387.2B | 128.7B | -10.04% | -0.72% | 10.28 | 3.01 | 5.79% | -22.05% |
BAC | 231.7B | 95.0B | -20.08% | -30.09% | 8.42 | 2.44 | 6.55% | -13.92% |
WFC | 149.2B | 54.0B | -19.28% | -21.00% | 11.32 | 2.76 | 36.10% | -38.82% |
USB | 54.5B | 17.9B | -27.81% | -32.89% | 9.36 | 3.04 | 33.05% | -26.85% |
PNC | 53.3B | 21.1B | -22.32% | -30.61% | 8.73 | 2.53 | 9.94% | 6.78% |
FHN | 8.3B | 2.7B | -36.60% | -31.85% | 9.27 | 3.11 | 24.33% | -9.91% |
| MID-CAP | ||||||||
CFR | 7.0B | 1.5B | -19.15% | -23.26% | 12.05 | 4.73 | 46.29% | 30.71% |
BOKF | 7.0B | 1.4B | -15.84% | -11.84% | 13.4 | 5.01 | 17.98% | -15.83% |
ZION | 4.8B | 2.7B | -41.49% | -51.97% | 5.26 | 1.76 | 19.32% | -19.66% |
PNFP | 4.4B | 1.4B | -29.93% | -40.27% | 7.8 | 3.18 | 33.23% | 6.34% |
| SMALL-CAP | ||||||||
PRK | 2.1B | 378.2M | -5.46% | -7.67% | 13.94 | 5.47 | 19.24% | -3.63% |
TRMK | 1.6B | 541.8M | -14.17% | -19.11% | 22.59 | 3 | 22.45% | -51.22% |
WABC | 1.4B | 221.8M | -13.82% | -20.18% | 11.1 | 6.11 | 27.86% | 41.07% |
HOPE | 1.3B | 716.1M | -19.52% | -33.30% | 6.15 | 1.87 | 26.40% | 6.70% |
Financials for Zions Bancorp
| Income Statement (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Revenue | 11.0% | 2,705 | 2,436 | 2,298 | 2,260 | 2,267 |
| Interest Expenses | 7.1% | 2,520 | 2,353 | 2,245 | 2,207 | 2,208 |
| Net Income | 8.5% | 907 | 836 | 859 | 1,010 | 1,129 |
| Net Income Margin | -2.3% | 0.34* | 0.34* | 0.37* | 0.45* | - |
| Free Cahsflow | 36.9% | 1,280 | 935 | 926 | 227 | - |
| Balance Sheet | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Assets | 1.2% | 89,545 | 88,474 | 87,784 | 91,126 | 93,200 |
| Cash Equivalents | 19.7% | 657 | 549 | 559 | 700 | 595 |
| Net PPE | 1.2% | 1,388 | 1,372 | 1,346 | 1,319 | - |
| Liabilities | 1.0% | 84,652 | 83,778 | 82,152 | 84,832 | 85,737 |
| Long Term Debt | 0.6% | 651 | 647 | 671 | 689 | 1,012 |
| Shareholder's Equity | 4.2% | 4,893 | 4,696 | 5,632 | 6,294 | 7,463 |
| Retained Earnings | 3.8% | 5,811 | 5,597 | 5,447 | 5,311 | 5,175 |
| Additional Paid-In Capital | -2.5% | 1,754 | 1,799 | 1,845 | 1,889 | 1,928 |
| Shares Outstanding | -0.6% | 149 | 150 | 150 | 151 | 152 |
| Cashflow (Last 12 Months) | (In Millions) | |||||
|---|---|---|---|---|---|---|
| Description | (%) Q/Q | 2022Q4 | 2022Q3 | 2022Q2 | 2022Q1 | 2021Q4 |
| Cashflow From Operations | 28.7% | 1,470 | 1,142 | 1,150 | 433 | 629 |
| Share Based Compensation | 0% | 30.00 | 30.00 | 31.00 | 31.00 | 28.00 |
| Cashflow From Investing | 146.0% | 1,405 | -3,052 | -2,759 | -6,650 | -11,579 |
| Cashflow From Financing | -251.1% | -2,813 | 1,862 | 1,643 | 6,341 | 11,002 |
| Dividend Payments | 2.7% | 269 | 262 | 262 | 261 | 261 |
| Buy Backs | -57.6% | 202 | 476 | 751 | 802 | 800 |
Risks for ZION
What is the probability of a big loss on ZION?
69.2%
Probability that Zions Bancorp stock will be more than 20% underwater in next one year
43.1%
Probability that Zions Bancorp stock will be more than 30% underwater in next one year.
19.6%
Probability that Zions Bancorp stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.
How does ZION drawdown profile look like?
Y-axis is the maximum loss one would have experienced if Zions Bancorp was unfortunately bought at previous high price.
Drawdowns
Returns for ZION
Cumulative Returns on ZION
3.7%
10-Year Cumulative Returns
5.4%
7-Year Cumulative Returns
-8.8%
5-Year Cumulative Returns
4.3%
3-Year Cumulative Returns
What are the long-term rolling returns for ZION?
FIve years rolling returns for Zions Bancorp.
Annualized Returns
Which funds bought or sold ZION recently?
View All Details| Datesorted ascending | Fund Name | Type | % Chg | $ Change | $ Held | % Portfolio |
|---|---|---|---|---|---|---|
2023-03-10 | VICTORY CAPITAL MANAGEMENT INC | reduced | -0.24 | -14,013,100 | 377,855,000 | 0.41% |
2023-03-06 | Rockefeller Capital Management L.P. | reduced | -2.21 | -434,000 | 7,476,000 | 0.04% |
2023-03-02 | LORING WOLCOTT & COOLIDGE FIDUCIARY ADVISORS LLP/MA | new | - | 5,900 | 5,900 | -% |
2023-02-28 | Voya Investment Management LLC | added | 27.7 | 621,597 | 3,274,600 | -% |
2023-02-27 | Parallax Volatility Advisers, L.P. | new | - | 805,732 | 805,732 | -% |
2023-02-24 | NATIXIS | added | 30.12 | 121,722 | 592,722 | -% |
2023-02-22 | CVA Family Office, LLC | sold off | -100 | -8,000 | - | -% |
2023-02-22 | TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY | unchanged | - | -689,000 | 19,929,000 | 0.21% |
2023-02-21 | NORTHWESTERN MUTUAL INVESTMENT MANAGEMENT COMPANY, LLC | reduced | -16.1 | -53,489 | 230,511 | 0.01% |
2023-02-21 | MACQUARIE GROUP LTD | reduced | -5.89 | -552,000 | 4,131,000 | -% |
Latest Funds Activity
Calls
Puts
Net Call Options
No. of Funds
Zions Bancorp News
Schedule 13G FIlings of Zions Bancorp
| Date Filed | Name of Filer | Percent of Class | No. of Shares | Form Type | |
|---|---|---|---|---|---|
| Feb 09, 2023 | vanguard group inc | 14.09% | 21,079,668 | SC 13G/A | |
| Feb 02, 2023 | victory capital management inc | - | 7,686,226 | SC 13G | |
| Feb 01, 2023 | blackrock inc. | 6.6% | 9,879,868 | SC 13G/A | |
| Feb 14, 2022 | state street corp | 5.33% | 8,337,759 | SC 13G/A | |
| Feb 04, 2022 | wellington management group llp | 3.65% | 5,709,455 | SC 13G/A | |
| Feb 01, 2022 | blackrock inc. | 6.7% | 10,548,560 | SC 13G/A | |
| Jan 31, 2022 | invesco ltd. | 4.5% | 7,115,910 | SC 13G/A | |
| Feb 16, 2021 | state street corp | 4.97% | 8,146,848 | SC 13G/A | |
| Feb 12, 2021 | invesco ltd. | 6.4% | 10,469,723 | SC 13G/A | |
| Feb 10, 2021 | vanguard group inc | 11.36% | 18,626,089 | SC 13G/A |
ZION Fair Value
Zions Bancorp fair value in different scenarios
The table shows the Fair Value estimates for Zions Bancorp for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
| Fair Value | Very Pessimistic | Pessimistic | Base Case | Optimistic | Very Optimistic |
|---|---|---|---|---|---|
| Very Low Inflation | 18.86 -41.26% | 38.52 19.96% | 75.64 135.57% | 116.03 261.35% | 148.01 360.95% |
| Current Inflation | 15.48 -51.79% | 32.62 1.59% | 64.06 99.50% | 98.13 205.61% | 124.93 289.07% |
| Very High Inflation | 11.22 -65.06% | 25.39 -20.93% | 50.34 56.77% | 77.29 140.70% | 98.29 206.10% |
Historical Zions Bancorp Fair Value Estimates
Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price
Recent SEC filings of Zions Bancorp
View All Filings| Date Filed | Form Type | Document | |
|---|---|---|---|
| Mar 07, 2023 | 4 | Insider Trading | |
| Mar 07, 2023 | 4 | Insider Trading | |
| Mar 07, 2023 | 4 | Insider Trading | |
| Mar 03, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4 | Insider Trading | |
| Mar 02, 2023 | 4/A | Insider Trading |
Latest Insider Trading transactions for ZION
Filter Transactions| Datesorted ascending | Name | Buy/Sell | $ Value | Avg. Price | # Shares | Title |
|---|---|---|---|---|---|---|
2023-03-06 | STEPHENS STEVEN DAN | acquired | 49,979 | 48.76 | 1,025 | executive vice president |
2023-03-06 | Young Mark Richard | acquired | 37,984 | 48.76 | 779 | exec vp |
2023-03-03 | SIMMONS HARRIS H | gifted | - | - | -21,420 | chairman & ceo |
2023-03-02 | Hoff Olga | sold (taxes) | -1,884 | 48.31 | -39.00 | exec vp |
2023-03-01 | ALEXANDER BRUCE K | sold (taxes) | -10,743 | 50.44 | -213 | exec vp and |
2023-03-01 | Ellingsen Eric | sold (taxes) | -12,156 | 50.44 | -241 | executive vp & |
2023-03-01 | Robinson Rebecca K | sold (taxes) | -10,895 | 50.44 | -216 | executive vice president |
2023-03-01 | Burdiss Paul E. | sold (taxes) | -47,867 | 50.44 | -949 | executive vice president |
2023-03-01 | MCLEAN SCOTT J | sold (taxes) | -51,701 | 50.44 | -1,025 | president |
2023-03-01 | ANDERSON A SCOTT | sold (taxes) | -20,377 | 50.44 | -404 | exec vp and |
Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. 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.
ZION Income Statement
2022-12-31Consolidated Statements of Income - USD ($) shares in Thousands, $ in Millions | 12 Months Ended | ||
|---|---|---|---|
Dec. 31, 2022 | Dec. 31, 2021 | Dec. 31, 2020 | |
| Interest income: | |||
| Interest and fees on loans | $ 2,112 | $ 1,935 | $ 2,050 |
| Interest on money market investments | 81 | 21 | 14 |
| Interest on securities | 512 | 311 | 304 |
| Total interest income | 2,705 | 2,267 | 2,368 |
| Interest expense: | |||
| Interest on deposits | 70 | 30 | 105 |
| Interest on short- and long-term borrowings | 115 | 29 | 47 |
| Total interest expense | 185 | 59 | 152 |
| Net interest income | 2,520 | 2,208 | 2,216 |
| Provision for loan losses | 101 | (258) | 385 |
| Provision for unfunded lending commitments | 21 | (18) | 29 |
| Total provision for credit losses | 122 | (276) | 414 |
| Net interest income after provision for credit losses | 2,398 | 2,484 | 1,802 |
| Noninterest income: | |||
| Commercial account fees | 159 | 137 | 132 |
| Card fees | 104 | 95 | 82 |
| Retail and business banking fees | 73 | 74 | 68 |
| Loan-related fees and income | 80 | 95 | 109 |
| Capital markets and foreign exchange fees | 83 | 70 | 70 |
| Wealth management fees | 55 | 50 | 44 |
| Other customer-related fees | 60 | 54 | 44 |
| Customer-related noninterest income | 614 | 575 | 549 |
| Fair value and nonhedge derivative income (loss) | 16 | 14 | (6) |
| Dividends and other income | 17 | 43 | 24 |
| Securities gains (losses), net | (15) | 71 | 7 |
| Total noninterest income | 632 | 703 | 574 |
| Noninterest expense: | |||
| Salaries and employee benefits | 1,235 | 1,127 | 1,087 |
| Technology, telecom, and information processing | 209 | 199 | 192 |
| Occupancy and equipment, net | 152 | 153 | 151 |
| Professional and legal services | 57 | 72 | 57 |
| Marketing and business development | 39 | 43 | 61 |
| Deposit insurance and regulatory expense | 50 | 34 | 33 |
| Credit-related expense | 30 | 26 | 22 |
| Other real estate expense, net | 1 | 0 | 1 |
| Other | 105 | 87 | 100 |
| Total noninterest expense | 1,878 | 1,741 | 1,704 |
| Income before income taxes | 1,152 | 1,446 | 672 |
| Income taxes | 245 | 317 | 133 |
| Net income | 907 | 1,129 | 539 |
| Preferred stock dividends | (29) | (29) | (34) |
| Net earnings applicable to common shareholders | $ 878 | $ 1,100 | $ 505 |
| Weighted average common shares outstanding during the year: | |||
| Basic shares (in shares) | 150,064 | 159,913 | 163,737 |
| Diluted shares (in shares) | 150,271 | 160,234 | 165,613 |
| Net earnings per common share: | |||
| Basic (in dollars per share) | $ 5.80 | $ 6.80 | $ 3.06 |
| Diluted (in dollars per share) | $ 5.79 | $ 6.79 | $ 3.02 |
ZION Balance Sheet
2022-12-31Consolidated Balance Sheets - USD ($) $ in Millions | Dec. 31, 2022 | Dec. 31, 2021 |
|---|---|---|
| ASSETS | ||
| Cash and due from banks | $ 657 | $ 595 |
| Money market investments: | ||
| Interest-bearing deposits | 1,340 | 10,283 |
| Federal funds sold and securities purchased under agreements to resell | 2,426 | 2,133 |
| Investment securities: | ||
| Total debt securities | 11,126 | 441 |
| Available-for-sale, at fair value | 11,915 | 24,048 |
| Trading account, at fair value | 465 | 372 |
| Total investment securities | 23,506 | 24,861 |
| Loans held for sale | 8 | 83 |
| Loans, net of allowance | ||
| Loans and leases, net of unearned income and fees | 55,653 | 50,851 |
| Less allowance for loan and lease losses | 575 | 513 |
| Loans, net of allowance | 55,078 | 50,338 |
| Other noninterest-bearing investments | 1,130 | 851 |
| Premises, equipment and software, net | 1,408 | 1,319 |
| Goodwill and intangibles | 1,065 | 1,015 |
| Other real estate owned | 3 | 8 |
| Other assets | 2,924 | 1,714 |
| Total assets | 89,545 | 93,200 |
| LIABILITIES AND SHAREHOLDERS’ EQUITY | ||
| Noninterest-bearing demand | 35,777 | 41,053 |
| Interest-bearing: | ||
| Savings and money market | 33,566 | 40,114 |
| Time | 2,309 | 1,622 |
| Total deposits | 71,652 | 82,789 |
| Federal funds and other short-term borrowings | 10,417 | 903 |
| Long-term debt | 651 | 1,012 |
| Reserve for unfunded lending commitments | 61 | 40 |
| Other liabilities | 1,871 | 993 |
| Total liabilities | 84,652 | 85,737 |
| Shareholders’ equity: | ||
| Preferred stock, without par value; authorized 4,400 shares | 440 | 440 |
| Common stock ($0.001 par value; authorized 350,000 shares; issued and outstanding 148,664 and 151,625 shares and additional paid-in capital) | 1,754 | 1,928 |
| Retained earnings | 5,811 | 5,175 |
| Accumulated other comprehensive income | (3,112) | (80) |
| Total shareholders’ equity | 4,893 | 7,463 |
| Total liabilities and shareholders’ equity | $ 89,545 | $ 93,200 |