Why does ZION lag the market?
Up 20% over five years while the S&P 500 rose 72%; up 30% in the past year.
- Investors now pay $11 for each $1 of yearly profit,
The other side and the timeline, for Pro members.
Zions Bancorporation N.A. (ZION) stock
$66.32
Quality Score
8
In its industry
#83of 168
Checks firing
3of 14
From 52-week high
-9.6%
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Key facts on ZION
| The chart | Above every average |
| Latest filing | 10-Q, Nov 5 |
What moves banks
Rate gap, 10-year minus 2-year+0.25 pt
What's next
Thu Nov 12: Ex-dividend, $0.48 a shareAt the open. Pays Nov 19.
ZION catalysts
Coming up
After its last 4 reports it closed +0.2% on average, higher 2 of 4 times.
Why ZION scores 8
Averagefor quality, not price, 3 of 14 chart checks firingWhat the Quality Score means
- +3Chart checks 3 of 14 firing right now, one point each
- +3Long-term trend above a rising 200-day average, near its 52-week high
- Profit adds
What every line is worth, and the reason behind it, on ZION and every other stock.Get in free →
How ZION ranks in Banks
ZION is #83 of 168 by Quality Score.
| Rank | Stock | Quality Score |
|---|---|---|
| 1 | ||
| 2 | ||
| 3 | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| Open for its score | ||
| 83 |
Sales over four quarters against a year before: ZION +9.9%, WAL +146%, KEY +25%, CFG +11%.
When does ZION report earnings, and what happens after?
Expected to report Thu Jan 21, after the close (in 72 days).
What an earnings report is: every 3 months, a company tells everyone how much it sold and earned. We read the figures, the outlook, and how the stock moved after.
What ZION reported on Oct 19, 2026
The quarter
A profit of $1.78 a share, from $1.48.
“The increase was primarily driven by lower funding costs and changes in the balance sheet mix, including growth in average loans and leases, money market investments, and deposits, partially offset by a decline in investment securities.”
Where the sales came from
| Line | Q3 2026 | Q2 2026 | Q3 2025 |
|---|---|---|---|
| Products and Services, Commercial Account Fees | $49M | $49M | $47M |
Each quarter's sales and their share of its total. Figures as filed (SEC filing, Nov 5)
The outlook
No outlook figures read from this release.
In the company's words
“Short- and medium-term interest rates began to rise in the last month of the quarter, and we expect that our moderately asset-sensitive balance sheet should produce stronger net interest income in a higher rate environment, while we're seeing continued improvement in noninterest income that we expect will continue into next year.”
From its results filing (SEC filing · Oct 19)
The numbers
- $9.5B
- today
- $723M
- up 9.9% on the year
Sales grew 3.8% a year over 5 years, fiscal 2020 to 2025.
Pays $1.92 a share a year.
Close after the report, last 3
-1.6%-4.0%+2.3%
Apr 20Jul 20Oct 19
| Reported | Gap | Reaction | 5 days |
|---|---|---|---|
| Oct 19, 2026 | +0.1% | +2.3% | +4.4% |
| Jul 20, 2026 | -5.4% | -4.0% | -4.7% |
| Apr 20, 2026 | -0.6% | -1.6% | -0.7% |
ZION sales and profit by year
Sales grew every year from 2018 to 2025, to $662M. It made a profit in each of the eight years.
ZION has 3 of 14 chart checks firing
The other 10 checks on ZION, and all 14 on every stock.Get in free →
ZION RSI today: 56.1, above its 50-day and 200-day averages
RSI 56.1, MACD above signal, above both averages. Not scored.
The deep dive on ZION
- What it does and how it makes money
- Where it standsFiled figures, Dec 31, 2025
- Who holds and trades it
- Against its closest peers
Is ZION's dividend covered? What its financials say
Its dividends come to 13% of its free cash flow.
| Dividend | $1.92 a share a year |
| Paid out | About $278M a year |
| Free cash flow | $2.1B |
| Record | Raised each of the last 2 years |
ZION insider trades
4 insiders sold $6.5M across 8 filings in the last 6 months. No open-market buys on record. The newest:
SellChristopher Kyriakakis$181K
ZION trades by Congress and the executive branch
One trade disclosed in the last six months. The newest:
SellMichael McCaul$1K to $15K
ZION's officers and directors
Officers and directors with a Form 4 in the last 12 months.
Which ETFs hold ZION?
In ETFs: ZION is under 0.1% of DGRO, under 0.1% of VIG, and under 0.1% of VYM, the most of the 24 funds Breakaway covers, by their holdings as filed for Jul 31, 2026.
About Zions Bancorporation N.A.
Zions Bancorp is a US regional bank with around $90 billion in total assets as of June 30, 2026. Headquartered in Salt Lake City, Utah, Zions' branch network is in the Western and Southwestern United States and includes seven affiliate banks in these markets. The bank has a heavy focus on small and midsize commercial banking.
What Zions Bancorporation N.A. says it competes with
“We operate in a highly competitive environment.”
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Pro members see every line of every stock's score.
- What would move ZION's score: 5 things
- 2 more filings explained, a plain line each
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BreakawayJul 8Michael McCaul sold ZION
Straight AnswersStraight Answers
What does ZION's Quality Score say?
ZION scores 8 today, which Breakaway calls Average. It is #83 of 168 in Banks by Quality Score, with 3 of 14 chart checks firing. Up 20% over five years while the S&P 500 rose 72%; up 30% in the past year. Breakaway does not say whether to buy any stock: the score does not know your situation, and it is not a recommendation to buy or sell anything. Please do your own research.
What is ZION's Quality Score?
ZION scores 8 today, which Breakaway calls Average (6 to 10). That is #83 of 168 in Banks by Quality Score. The score adds up the chart checks, the trend, the company's filed sales, its profits, the news, insider trades, and Congress trades. The section above lists the lines behind ZION's 8.
Are insiders buying ZION?
4 insiders sold $6.5M across 8 filings in the last 6 months. No open-market buys on record. The newest is Christopher Kyriakakis, EVP - Chief Risk Officer, who sold $181K on Nov 9. Every filing, with the scored weight, for Pro members.
Are the prices delayed?
Only on the public pages, which run at least 15 minutes behind. Pro members, and anyone on a guest pass, see real-time prices: the scanner refreshes every 15 seconds, and your watchlist every few seconds, pre-market and after hours included.