Headquartered in Salt Lake City, Utah, Zions Bancorporation, National Association is a long-standing financial institution, founded in 1873. Operating primarily across the ...
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Est. EPS $1.66 · Revenue $890.54M · 14 analysts
Est. EPS $1.70 · Revenue $903.88M · 13 analysts
Est. EPS $8.00 · Revenue $3.55B · 15 analysts
Est. EPS $1.55 · Revenue $898.75M · 5 analysts
$1.80 per share
$1.80 per share
| Metric | Latest | YoYYoY means Year-over-Year. It compares the latest annual value with the previous annual value to show long-term trend strength. | QoQQoQ means Quarter-over-Quarter. It compares the latest quarter with the immediately previous quarter to show short-term momentum changes. |
|---|---|---|---|
| RevenueThe total money that came through the front door from selling things, before paying a single bill. Think of it as the grand total of every credit card swipe from customers. (YoY compares this year to last year's performance, while QoQ compares the current three months to the previous three). | $4.9B | -1.0% | +25.0% |
| Net IncomeThe absolute bottom line. If the company paid every single supplier, employee, banker, and tax collector, this is the actual money left in their pocket at the end of the day. | $899.0M | +14.7% | +94.4% |
| Gross MarginThe basic markup. If they sell a $100 pair of sneakers, this percentage tells you how much of that price tag is profit right after paying for the rubber and shoelaces, but before paying for things like store rent or TV commercials. | +67.1% | +9.5% | +6.0% |
| Operating MarginThe 'day job' efficiency score. Out of every dollar a customer spends, this shows how many cents the company keeps after making the product AND paying for all the everyday corporate overhead (like salaries, marketing, and keeping the lights on). | +23.8% | +17.3% | +58.6% |
| Net MarginThe final take-home percentage. When you strip away every conceivable cost, tax, and interest payment, this is the exact number of cents the company truly gets to keep from every dollar in sales. | +18.2% | +15.8% | +55.5% |
| Free Cash FlowThe holy grail of corporate cash. It's the spendable, physical money left over after the business pays for its daily operations AND buys the big, expensive upgrades (like new factories or servers) it needs to survive. This is the 'free' money they can use to pay dividends or buy back stock. | $981.0M | -6.7% | +79.7% |
| FCF MarginThe ultimate cash conversion rate. It shows how good the company is at turning regular sales directly into cold, hard, spendable cash. A high percentage means the business is an absolute cash-printing machine. | +19.8% | -5.7% | +43.7% |
| Debt / EquityThe financial risk gauge. It compares how much of the company's empire was built using borrowed money (loans) versus the owners' own money (shareholders). A high number means they are heavily leveraged and playing a riskier game; a low number means they are playing it safe. | 60.5% | -15.2% | +28.6% |
| Current RatioThe 12-month survival check. It simply compares the cash they have right now (plus things they can quickly turn into cash) against the immediate bills they absolutely must pay this year. A score above 1 means they have enough in the wallet to cover the upcoming bills without panicking. | 0.16x | -5.0% | -1.1% |
| Total AssetsThe absolute size of the company's empire. It bundles together absolutely everything of value they own—from the cash in the register and the inventory in the warehouse, to the software patents in the vault and the factories on the ground. | $89.0B | +0.2% | +1.2% |
| Metric | Annual (A vs E) | Annual Surprise | Quarter (A vs E) | Quarter Surprise |
|---|---|---|---|---|
| EPS Surprise | 6.01 vs 5.86 | +2.6% | 3.05 vs 1.66 | +84.0% |
| Revenue Surprise | $4.9B vs $3.4B | +47.2% | $1.5B vs $890.5M | +66.1% |
| Date | Executive | Title | Security | Side | Shares | Price |
|---|---|---|---|---|---|---|
| Aug 11, 2026 | SIMMONS HARRIS H | director, officer: Chairman & CEO | Common Stock | D | 30,242 | — |
| Aug 11, 2026 | SIMMONS HARRIS H | director, officer: Chairman & CEO | Common Stock | A | 30,242 | — |
| Aug 4, 2026 | MCLEAN SCOTT J | officer, other: President | Common Stock | A | 18,820 | $48.65 |
| Aug 4, 2026 | MCLEAN SCOTT J | officer, other: President | Common Stock | A | 14,465 | $52.90 |
| Aug 4, 2026 | MCLEAN SCOTT J | officer, other: President | Common Stock | A | 1,891 | $52.90 |
Operator: Greetings, and welcome to the Zions Bancorp Second Quarter Earnings Conference Call. Please note that this conference is being recorded. I'll now turn the call over to Dave Riches. Thank you, Dave. You may begin. Dave Riches: Thank you, Julian, and good evening, everyone. Welcome to our conference call to discuss Zions Bank Corporation's Second Quarter 2026 results. My name is Dave Riches, Interim Director of Investor Relations. Before we begin, I would like to remind you that during this call, we will be making forward-looking statements. Actual results may differ materially. We encourage you to review the forward-looking statements and non-GAAP disclosures in our press release and on Slide 2 of today's presentation, which apply equally to statements made during this call. A copy of the earnings release and the presentation are available at zionsbancorporation.com. For our agenda today, Chairman and Chief Executive Officer, Harris Simmons, will provide opening remarks. Following Harris's comments, Chief Financial Officer, Ryan Richards, will review our financial results and outlook. Also with us today are Scott McLean, President and Chief Operating Officer; and Derek Steward, Chief Credit Officer. After our prepared remarks, we will hold a question-and-answer session. This call is scheduled for 1 hour. I will now turn the time over to Harris Simmons. Harris Simmons: Thanks very much, Dave, and good evening, everyone. We are reasonably pleased with our financial results for the first quarter, which reflect meaningful year-over-year improvement and continued progress on a variety of strategic priorities. Net earnings available to common was $452 million or $3.05 per share, including a couple of exceptional items, the first being a $215 million pretax gain on the liquidation of Visa Class B-1 shares and the other being an unrealized pretax gain on an SBIC investment, which net of a success fee accrual totaled $37 million. Excluding such items, earnings per share totaled $1.74 compared to $1.58 in last year's first quarter. Our Capital Markets division continues to be an important driver of fee income growth. Since launching the business in 2020, we've invested steadily in talent, technology and product capabilities, expanding our presence across investment banking, sales and trading, and real estate capital markets. Last quarter, we announced an agreement with Basis Investment Group to acquire its Fannie Mae and Freddie Mac multifamily lending business line, related mortgage servicing rights and an experienced team supporting those businesses. We expect the transaction to close here in the third quarter. Upon closing, we believe the acquisition will enhance our ability to serve commercial real estate clients across the Western United States and beyond, while further strengthening our capital markets franchise. As this transaction has not closed yet, any revenue or other financial contribution from the business is not included in our …
| Name | Title | Compensation | Gender | Year Born | Status |
|---|---|---|---|---|---|
Harris Henry Simmons | Chairman & Chief Executive Officer | USD 3,526,026 | Male | 1954 | Active |
Scott A. | President, Chief Operating Officer & Director | USD 1,890,559 | Male | 1957 | Active |
Robert Ryan Richards | Executive Vice President & Chief Financial Officer | USD 1,209,288 | Male | 1977 | Active |
Christopher Kyriakakis | Executive Vice President & Chief Risk Officer | USD 1,061,237 | Male | 1972 | Active |
Dave Riches | Interim Director of Investor Relations | — | — | — | Active |
Kenneth Jay Collins | Executive VP and Chief Transformation & Operations Officer | — | Male | 1966 | Active |
Rena Miller | Executive Vice President, General Counsel & Corporate Secretary | — | Female | 1960 | Active |
Margaret Mayer | Executive VP & Chief Information Officer | — | Female | — | Active |
Christina Miles | Senior VP & Director of Sales | — | Female | — | Active |
Eric Lucero | Executive Vice President & Chief Marketing Officer | — | Male | — | Active |
SALT LAKE CITY, July 30, 2026 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) announced today that its board of directors has authorized share repurchases of up to $75 million of the company's common stock for the third quarter of 2026 as part of the company's previously authorized share repurchase target for 2026 of $300 million.
SALT LAKE CITY, July 28, 2026 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) announced today that it priced $500,000,000 of fixed-to-floating rate senior notes (CUSIP: 98971D AF7) due October 1, 2029, in a public transaction exempt from registration under Section 3(a)(2) of the Securities Act of 1933, as amended.
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On July 21, 2026, Zions Bancorp NA (ZION) shares fell 4.0% to a current price of $69.06. This drop comes amid a 52-week range of $46.19 to $73.34, reflecting si
Zions Bancorporation delivered strong Q2 results, beating earnings and revenue estimates on robust net interest income and a one-time asset sale gain. ZION's book value per share surged 18% year-over-year, driven by a $215 million pre-tax gain from the sale of Visa Class B-1 shares. Loan growth, driven by the commercial & industrial segment, and favorable deposit mix supported a 4% year-over-year net interest income increase.
