ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
ZIONNasdaqFinancials · National Commercial Banks · UT · SEC filings ↗ · Compare ⊕
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SEC XBRL · annual| FY25 | FY24 | FY23 | FY22 | FY21 | FY20 | |
|---|---|---|---|---|---|---|
| Revenue | $529.0M | $513.0M | $503.0M | $495.0M | $449.0M | $402.0M |
| Operating income | — | — | — | — | — | — |
| Net income | $170.0M | $153.0M | $680.0M | $907.0M | $1.13B | $539.0M |
| Total assets | $88.99B | $88.78B | $87.20B | $89.55B | $93.20B | $81.48B |
| Total liabilities | $81.81B | $82.65B | $81.51B | $84.65B | $85.74B | $73.59B |
| Equity | $7.18B | $6.12B | $5.69B | $4.89B | $7.46B | $7.89B |
| EPS (diluted) | $1.13 | $0.96 | $4.35 | $5.79 | $6.79 | $3.02 |
| Shares out. | 147.9M | 148.2M | 148.6M | 151.6M | 164.2M | 164.9M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2025- Operating margin
- —
- Net margin
- 32.1%
- Return on equity
- 2.4%
- Return on assets
- 0.2%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 91.9%
- Debt / equity
- 11.39×
- Book value / share
- $48.55
- Revenue growth (YoY)
- 3.1%
- Net income growth (YoY)
- 11.1%
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2025- Accruals / assets
- −1.0%clean
- Piotroski F-Score
- 7/7strong
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.
Signs
● 1 warning● 3 good- High leverage (liabilities > 70% of assets)
- Revenue is growing year-over-year
- Positive operating cash flow
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
5%+ owners
SEC Schedule 13D / 13G · last 3 yrs- State Street CorpPassive (13G)May 13, 2025
Holders who disclosed a 5%+ stake. 13D signals intent to influence or control; 13G is a passive holding. Latest filing per holder — open it for the exact stake.
Short interest
FINRA · bi-monthly| Settlement | Shares short | Days to cover | Δ vs prior |
|---|---|---|---|
| May 15, 2026 | 4.8M | 3.4 | +14.0% |
| Apr 30, 2026 | 4.2M | 2.7 | -6.6% |
| Apr 15, 2026 | 4.5M | 3.1 | -9.4% |
| Mar 31, 2026 | 5.0M | 2.7 | -1.2% |
| Mar 13, 2026 | 5.1M | 3.2 | +7.5% |
Shares sold short as reported to FINRA. Days-to-cover = short shares ÷ average daily volume — higher means more potential squeeze pressure.
Material events
SEC Form 8-K · most recent- Other material eventMay 4, 2026
- Shareholder voteMay 4, 2026
- Results of operationsApr 20, 2026
- Results of operationsJan 20, 2026
- Director / officer changeDec 22, 2025
- Results of operationsOct 20, 2025
- Other material eventOct 15, 2025
- Results of operationsJul 21, 2025
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.