Zions Bancorporation, National Association
Quality Scores
AI Summary
Zions Bancorporation (ZION) presents a profile of a mature, regional financial institution navigating a volatile interest rate environment and shifting credit cycles. The business has demonstrated steady revenue growth from $549M in 2020 to $662M in 2025, supported by a significant asset base peaking near $93B in 2021 before stabilizing around $89B. While operational cash flows remained robust, net income has experienced significant volatility, particularly the sharp contraction in 2023. Management has focused on maintaining a local-market oriented lending model across the Western U.S.…
Top Opportunities
- Consistent positive Cash Flow from Operations
- Diversified regional banking footprint
- Strong institutional ownership base above 80%
Top Risks
- Significant Net Worth erosion in 2022 due to Accumulated Other Comprehensive Loss
- Stagnant revenue growth with very low 5-year CAGR
- Sharp decline in Net Profitability in 2023
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