Handelsavisen
prelaunch
Companies ›Financials ›ZION.O
ZI
ZION.O — NASDAQ Banks

Zion.O

$70,84
Open in Charts → Attach watcher ⌖
— —
USD
Set alert
Last 30 days
1D5D1M3M6MYTD1Y5YMax
Live price chart loads from the market-data widget.
Mcap
—
P/E
—
EV / Rev
—
Div yield
2,51 %
Op margin
—
ROE
12,5 %
Net margin
169,9 %
Debt / equity
—
Beta
—
52w range
—
Volume
—
Day range
—
Prev close
$69,46
Open
—
Next earnings
2026-10-28
Ex-dividend
—
TR 1Y
—
About

Zions Bancorporation N.A. operates as a financial institution within the sector classification Financials sector, generating revenue through banking activities.

Business. Zions Bancorporation N.A. operates as a financial institution within the sector classification Financials sector, generating revenue through banking activities.

Classification85 %
SectorFinancials
Industry groupBanks
Generated · model-assisted
Sell-side consensus
—consensus pending
— buy— hold— sell
Avg 12m price target—
Upcoming events
  • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
See all catalysts →

At a glance

Score
—
not yet scored
Valuation
—
valuation pending
Analysts
—
not yet wired
Ownership→
Dimensional Fund Advisors, L.P.
largest disclosed fund holder
Profitability→
12,5 %
return on equity
Quality
—
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning ZION.

    • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to ZION.O. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Company
    • EarningsQ3 2026 earnings (expected)2026-10-28 · estimated
    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Zions Bancorporation N.A. operates as a financial institution within the sector classification Financials sector, generating revenue through banking activities.

    Classification85 %
    SectorFinancials
    Industry groupBanks
    AI synthesis
    GENERATED

    (a) Capital structure and liquidity: The company reports total assets of $88.99 billion against total liabilities of $81.81 billion, resulting in total equity of $7.18 billion. The debt-to-equity ratio is reported as 0.0, which is atypical for a bank and likely reflects a specific accounting treatment of deposits or debt instruments in the valuation snapshot. Operating cash flow stands at $1.07 billion, while capital expenditure is $121 million, indicating positive cash generation from core operations. Liquidity risk is flagged as unknown due to insufficient balance-sheet inputs for a detailed assessment.

    (b) Profitability and returns: The company reports net income of $899 million on revenue of $529 million, a figure that suggests the revenue line item may represent a specific subset of income or that the data contains an anomaly, as net income exceeds revenue. Return on equity is 12.52%, and return on assets is 1.01%. Without cohort median data, these returns cannot be directly compared to industry peers, but the ROA is consistent with typical banking sector benchmarks.

    (c) Segments and geographic exposure: No segment or geographic revenue breakdown is provided in the available data. The company is identified as Zions Bancorporation N.A., implying a focus on banking services, but specific regional or product mix details are absent.

    (d) Growth trajectory: Historical period data for revenue and net income trends is not available. The single-period financial snapshot prevents any analysis of growth rates or trajectory over time.

    (e) Risk factors: Dilution risk is assessed as low, with basic and diluted shares outstanding both at 147.65 million, indicating no significant dilutive securities currently impacting the share count. Key flags indicate that liquidity risk could not be assessed due to missing balance-sheet inputs and lack of going-concern language in source documents.

    (f) Recent events: Recent observations are limited to internal reconciler events indicating the admission of Zions Bancorporation N.A. for analysis, with no specific news, filing, or transcript observations provided.

    Key takeaways
    • Net income of $899 million exceeds reported revenue of $529 million, suggesting a data anomaly or specific accounting definition for revenue.
    • Return on equity of 12.52% and return on assets of 1.01% provide baseline profitability metrics.
    • Dilution risk is low with no difference between basic and diluted share counts.
    • Liquidity risk is unassessed due to insufficient data inputs.
    • Classification confidence is low at 0.20, though the company is identified as a sector classification Bank.

    Bull / Bear case

    analysis pipeline
    — missing data

    In focus — financials by report

    Valuation

    Market price
    $70,84
    Market cap
    —
    Enterprise valueⓘ
    —
    P/Eⓘ
    —
    Non-GAAP P/Eⓘ
    —
    EV / Revenueⓘ
    —
    EV / Op incomeⓘ
    —
    EV / OCFⓘ
    —
    P / Bⓘ
    —
    P / Tangible bookⓘ
    —
    Tangible book
    $7.18B
    Net cashⓘ
    —
    Current ratioⓘ
    —
    Debt / equityⓘ
    —
    ROAⓘ
    1.0%
    ROEⓘ
    12.5%
    Cash conversionⓘ
    119.0%
    CapEx / revenueⓘ
    22.9%
    SBC / revenueⓘ
    —
    Dilution ratioⓘ
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Consensus distribution

    sell-side coverage
    Recommendation distribution23 analysts
    Strong buy3
    Buy4
    Hold13
    Sell3
    Strong sell0
    12-month price target$74,85 · Median $74,00
    Low $66,00High $85,00
    Operating income · consensus1,4B USD
    EPS surprise
    −23,8 %
    reported vs consensus · miss
    Revenue surprise
    −9,9 %
    reported vs consensus · miss

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    Low$66,00
    Mean$74,85
    Median$74,00
    High$85,00
    Spot$70,84
    +5.7 %implied to mean12-month sell-side price targets · ▲ spot

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskUnknown

    Benchmarks vs cohort

    Net Margin169,9 %Best in class
    ROE12,5 %Above P75
    Capex / Rev22,9 %Best in class
    D/E0,00Above median
    Cash Conv1,19Above median

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    Derivative transactions

    Net acquired 11 411 sh3 exercises · 16 grants12 insiders
    • Steward DerekExecutive Vice President · Stock Option (right to buy) → Common StockDisposed 894 @ $45,65exercise · 2026-07-28
    • Huang Claire ADirector · Deferred Comp → Common StockAcquired 439grant · 2026-06-30
    • Lee Vivian SDirector · Deferred Comp → Common StockAcquired 414grant · 2026-06-30
    • QUINN STEPHEN DDirector · Deferred Comp → Common StockAcquired 699grant · 2026-06-30
    • Skonnard AaronDirector · Deferred Comp → Common StockAcquired 432grant · 2026-06-30
    • Ryan Daniel JosephDirector · Deferred Comp → Common StockAcquired 1 921grant · 2026-06-02
    • Richards Robert RyanController · Stock Option (right to buy) → Common StockDisposed 2 004 @ $52,90exercise · 2026-05-06
    • QUINN STEPHEN DDirector · Deferred Comp → Common StockAcquired 2 055grant · 2026-05-01
    • Huang Claire ADirector · Deferred Comp → Common StockAcquired 2 055grant · 2026-05-01
    • Skonnard AaronDirector · Deferred Comp → Common StockAcquired 2 055grant · 2026-05-01
    • Gupta SurenDirector · Deferred Comp → Common StockAcquired 2 055grant · 2026-05-01
    • Lee Vivian SDirector · Deferred Comp → Common StockAcquired 2 055grant · 2026-05-01
    • CRITTENDEN GARY LDirector · Deferred Comp → Common StockAcquired 2 055grant · 2026-05-01
    • Law Scott A.Executive Vice President · Stock Option (right to buy) → Common StockDisposed 1 974 @ $43,07exercise · 2026-04-28
    • Smith Jennifer AnneExecutive Vice President · Stock Option (right to buy) → Common StockDisposed 3 711 @ $73,22disposition · 2026-04-02
    • Lee Vivian SDirector · Deferred Comp → Common StockAcquired 518grant · 2026-03-30
    • Huang Claire ADirector · Deferred Comp → Common StockAcquired 549grant · 2026-03-30
    • Skonnard AaronDirector · Deferred Comp → Common StockAcquired 540grant · 2026-03-30
    • QUINN STEPHEN DDirector · Deferred Comp → Common StockAcquired 873grant · 2026-03-30
    • SIMMONS HARRIS HDirector, Chairman & CEO · Deferred Comp → Common StockAcquired 1 278grant · 2026-03-24

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    • Reference data
    How metrics are computed
    • Cash Conversion Ratio
      operating_cash_flow / net_income
    • Debt To Equity
      (short_term_debt + long_term_debt) / total_equity
    • Return On Equity
      net_income / total_equity
    • Capex To Revenue
      capital_expenditure / revenue
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    • Return On Assets
      net_income / total_assets
    Source documents
    • ZIONS BANCORPORATION, NATIONAL ASSOCIATION Market data — financials · 2026-08-02
    • reconciler_enqueue (reconciler) on ZION.O · 2026-08-02

    Ownership & reference

    Top holders

    • Dimensional Fund Advisors, L.P.Investment Managers · as of 2026-03-310,09 %$431M
    • First Trust Advisors L.P.Investment Managers · as of 2026-03-310,08 %$111M
    • AQR Capital Management, LLCInvestment Managers · as of 2026-03-310,06 %$128M
    • Arrowstreet Capital, Limited PartnershipInvestment Managers · as of 2026-03-310,05 %$85M
    • American Century Investment Management, Inc.Investment Managers · as of 2026-03-310,02 %$40M
    • Vanguard Capital Management, LLCInvestment Managers · as of 2025-12-310,02 %$1 077M
    • Wellington Management Company, LLPInvestment Managers · as of 2026-03-310,02 %$81M
    • EATON VANCE MANAGEMENTInstitutional Investor · as of 2022-09-300,01 %$0M
    • Goldman Sachs Asset Management, L.P.Investment Managers · as of 2026-03-310,01 %$112M
    • Bank of New York Mellon CorpInstitutional Investor · as of 2026-03-310,01 %$76M
    • Invesco QQQ TrustFunds · as of 2026-03-310,01 %$86M
    • BlackRock Institutional Trust Company, N.A.Investment Managers · as of 2024-06-300,01 %$578M
    • Victory Capital Management Inc.Investment Managers · as of 2026-03-310,01 %$20M
    • State Street Investment Management (US)Investment Managers · as of 2026-03-310,01 %$339M
    • Geode Capital Management, L.L.C.Investment Managers · as of 2026-03-310,01 %$175M
    • Morgan Stanley Smith Barney LLCInvestment Managers · as of 2026-03-310,01 %$176M
    • Northern Trust Investments, Inc.Investment Managers · as of 2026-03-310,01 %$80M
    • Charles Schwab Investment Management, Inc.Investment Managers · as of 2026-03-310,01 %$67M
    • Principal Global Investors (Equity)Investment Managers · as of 2026-03-310,01 %$19M
    • AllianceBernstein L.P.Investment Managers · as of 2026-03-310,01 %$17M
    • Nuveen LLCInvestment Managers · as of 2024-12-310,00 %$17M
    • AMERIPRISE FINANCIAL INCInstitutional Investor · as of 2026-03-310,00 %$20M
    • UBS Financial Services, Inc.Investment Managers · as of 2026-03-310,00 %$20M
    • FMR LLCInstitutional Investor · as of 2026-03-310,00 %$54M
    • Franklin Advisers, Inc.Investment Managers · as of 2026-03-310,00 %$11M
    • Raymond James & Associates, Inc.Brokerage Firms · as of 2026-03-310,00 %$7M
    • JANUS HENDERSON GROUP PLCInstitutional Investor · as of 2026-03-310,00 %$4M
    • Wells Fargo AdvisorsBrokerage Firms · as of 2026-03-310,00 %$7M
    • JONES FINANCIAL COMPANIES LLLPInstitutional Investor · as of 2026-03-310,00 %$2M
    • LPL Financial LLCInvestment Managers · as of 2026-03-310,00 %$4M
    • PNC Investments LLCInvestment Managers · as of 2026-03-310,00 %$2M
    • T. Rowe Price Associates, Inc.Investment Managers · as of 2026-03-310,00 %$0M

    Leadership

    • Harris Henry SimmonsChairman of the Board, Chief Executive Officer

    Insider activity

    Net selling0 buys · 4 sellsnet -$360K11 insiders · last 365d
    • Steward DerekExecutive Vice President · Common StockSold 894 @ $69,65$62K · 2026-07-28
    • MCLEAN SCOTT JPresident, & COO · Common StockSold 6 650 · 2026-07-28
    • Steward DerekExecutive Vice President · Common StockOther 894 @ $45,65$41K · 2026-07-28
    • Callister NathanExecutive Vice President · Common StockOther 922 @ $62,02$57K · 2026-06-02
    • Smith Jennifer AnneExecutive Vice President · Common StockSold 4 209 @ $62,50$263K · 2026-05-08
    • Richards Robert RyanController · Common StockOther 2 004 @ $52,90$106K · 2026-05-06
    • Smith Jennifer AnneExecutive Vice President · Common StockSold 550 @ $62,96$35K · 2026-05-04
    • Yastine Barbara A.Director · Common StockOther 2 055 @ $63,26$130K · 2026-05-01
    • Contreras-Sweet MariaDirector · Common StockOther 2 055 @ $63,26$130K · 2026-05-01
    • Murphy Edward FDirector · Common StockOther 2 055 @ $63,26$130K · 2026-05-01
    • Law Scott A.Executive Vice President · Common StockOther 1 343 @ $63,37$85K · 2026-04-28
    • Law Scott A.Executive Vice President · Common StockOther 1 974 @ $43,07$85K · 2026-04-28
    • Smith Jennifer AnneExecutive Vice President · Common StockOther 15 671 · 2026-04-02
    • Miller Rena A.Executive VP & General Counsel · Common StockOther 155 @ $58,26$9K · 2026-04-01
    • Richards Robert RyanController · Common StockOther 315 @ $58,26$18K · 2026-04-01
    • STEPHENS STEVEN DANExecutive Vice President, Division CEO · Common StockOther 95 @ $55,74$5K · 2026-03-06

    Short positioning

    7.0Mshares short+7.4% vs prior
    4.37days to cover
    74.9%short of daily vol
    265fails-to-deliver
    as of 2026-07-15 · short-interest report (free)

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    ZION.OCanonical
    NASDAQ · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskUnknown

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2026-10-28EVENTUpcomingQ3 2026 earnings (expected) estimated date
    2026-07-28INSIDERSteward Derek sold 894 sh — Executive Vice President ~$62k
    2026-07-28INSIDERMCLEAN SCOTT J sold 6.7k sh — President, & COO
    2026-07-28INSIDERSteward Derek transacted 894 sh — Executive Vice President ~$41k
    2026-07-28INSIDERSteward Derek disposed of 894 sh Stock Option (right to buy) — Executive Vice President
    2026-07-20 00:00 UTCTRANSCRIPTEarnings call — Q3 2026
    2026-07-20EVENTQ2 2026 earnings (expected) estimated date
    2026-06-30INSIDERQUINN STEPHEN D acquired 699 sh Deferred Comp — Director
    2026-06-30INSIDERSkonnard Aaron acquired 432 sh Deferred Comp — Director
    2026-06-30INSIDERLee Vivian S acquired 414 sh Deferred Comp — Director
    2026-06-30INSIDERHuang Claire A acquired 439 sh Deferred Comp — Director
    2026-06-02 00:00 UTCINSIDER2 insider transactions — 2026-06 1 derivative
    2026-06-02 00:00 UTCINSIDER2 insider transactions — 2026-06 1 derivative
    2026-06-02FILING8-K filing →
    2026-06-02INSIDERCallister Nathan transacted 922 sh — Executive Vice President ~$57k
    2026-06-02INSIDERRyan Daniel Joseph acquired 1.9k sh Deferred Comp — Director
    2026-05-08 00:00 UTCINSIDER13 insider transactions — 2026-05 · net buy $198k 7 derivative
    2026-05-08 00:00 UTCINSIDER13 insider transactions — 2026-05 · net buy $198k 7 derivative
    2026-05-08INSIDERSmith Jennifer Anne sold 4.2k sh — Executive Vice President ~$263k
    2026-05-07FILING10-Q filing →
    2026-05-06INSIDERRichards Robert Ryan transacted 2.0k sh — Controller ~$106k
    2026-05-06INSIDERRichards Robert Ryan disposed of 2.0k sh Stock Option (right to buy) — Controller
    2026-05-04FILING8-K filing →
    2026-05-04FILING8-K filing →
    2026-05-04INSIDERSmith Jennifer Anne sold 550 sh — Executive Vice President ~$35k
    2026-05-01INSIDERYastine Barbara A. transacted 2.1k sh — Director ~$130k
    2026-05-01INSIDERContreras-Sweet Maria transacted 2.1k sh — Director ~$130k
    2026-05-01INSIDERMurphy Edward F transacted 2.1k sh — Director ~$130k
    2026-05-01INSIDERCRITTENDEN GARY L acquired 2.1k sh Deferred Comp — Director
    2026-05-01INSIDERHuang Claire A acquired 2.1k sh Deferred Comp — Director
    2026-05-01INSIDERQUINN STEPHEN D acquired 2.1k sh Deferred Comp — Director
    2026-05-01INSIDERGupta Suren acquired 2.1k sh Deferred Comp — Director
    2026-05-01INSIDERSkonnard Aaron acquired 2.1k sh Deferred Comp — Director
    2026-05-01INSIDERLee Vivian S acquired 2.1k sh Deferred Comp — Director
    2026-04-28 00:00 UTCINSIDER7 insider transactions — 2026-04 · $198k gross 2 derivative
    2026-04-28 00:00 UTCINSIDER7 insider transactions — 2026-04 · $198k gross 2 derivative
    2026-04-28INSIDERLaw Scott A. transacted 1.3k sh — Executive Vice President ~$85k
    2026-04-28INSIDERLaw Scott A. transacted 2.0k sh — Executive Vice President ~$85k
    2026-04-28INSIDERLaw Scott A. disposed of 2.0k sh Stock Option (right to buy) — Executive Vice President
    2026-04-20FILING8-K filing →
    Showing the 40 most recent of 59 entries.
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data · Reference data Premium coverage