Zions Bancorporation NA (ZION)

In October 2025, Zions Bancorporation disclosed a $50 million loan write-down, leading to a stock price decrease of approximately 13%. The Q3 2025 earnings report on October 20, 2025, showed an EPS of $1.48, surpassing analyst estimates. On January 20, 2026, the Q4 2025 earnings report showed net earnings of $262 million, or $1.76 per diluted common share, a 31% increase from the prior year. Despite the loan write-down, ZION's stock showed strength, trading near its 52-week high in early February 2026, with a stock price of $65.29 as of February 6, 2026.

While specific demand seasonality for Zions Bancorporation's own products and services is not explicitly detailed, the company's asset-based lending services support growth through seasonal and cyclical periods for its business clients. This indicates an indirect seasonality in Zions' business, aligning with the operational cycles of its diverse client industries.

Zions Bancorporation, N.A. (ZION), founded in 1873 and headquartered in Salt Lake City, Utah, operates as a national bank offering financial services. It provides commercial banking, retail banking, and wealth management services. Its commercial banking includes lending, treasury management, and SBA lending. Retail banking offers mortgages, consumer loans, and deposit accounts. Wealth management provides trust, investment advisory, and estate planning services. As of December 31, 2024, Zions Bancorporation reported approximately $89 billion in total assets and annual net revenue of $3.1 billion in 2024.

Zions Bancorporation operates across 11 western states under local management teams and distinct brands, including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. As of 2023, the company maintains 416 branches and serves over 1 million customers.

Zions Bancorporation has a strong brand reputation, particularly in small business and middle-market banking. The company was ranked third among U.S. Banks in the 2023 Excellence Awards from Coalition Greenwich, receiving 20 Excellence Awards and all six Best Brand Awards in the middle market and small business banking categories. In 2025, Zions Bancorporation was named to Forbes' 'Best-In-State Banks'.

Zions Bancorporation has significant institutional ownership, with 915 institutional owners holding 140,903,276 shares, including Vanguard Group Inc., BlackRock, Inc., and Dimensional Fund Advisors Lp. Insider ownership stands at 1.92% as of July 21, 2025, with Harris H. Simmons, the Chairman and CEO, among the owners.