Zions Bancorporation, National Association ZION
- Employees
- 9,195
- Headquarters
- Salt Lake City, UT
- CEO
- Harris H. Simmons
- Next results
- around Jan 19, 2027
ZION among Financials peers
Six ratios from the latest 10-K. Each corner is the share of 241 peers the company is above, not a score.
What changed
53 new risk paragraphs and 1 accounting fact worth reading about. 10-K filed Feb 24, 2026 against Feb 25, 2025.
Each row opens the detail with the quote and the filing. A row is a change worth reading, not a verdict.
Accounting checks
8 checks on the latest 10-K. Checks, not verdicts.
1fact worth reading about the other 7 checks found nothing to note
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Going concern language“Indicators include actual or probable payment default; bankruptcy or the likelihood thereof; substantial doubt about the borrower’s ability to continue as a going concern; insufficient expected cash flows to service debt; or an inability to obtain financing at market terms.”
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Same auditor in both 10-Ks: Ernst & Young LLP
6 more checks with nothing to note
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No 8-K item 4.02 in the last 2 years
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No NT 10-K or NT 10-Q in the last 2 years
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The same matters as last year: ZIONS BANCORPORATION, NATIONAL ASSOCIATION AND SUBSIDIARIES; Allowance for loan and lease losses
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No sentence in the 10-K concludes that controls were not effective because of a material weakness
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No 8-K item 2.06 in the last 2 years
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No 8-K item 1.03 in the last 2 years
In their words
53 paragraphs in Risk Factors that were not in the 10-K filed Feb 25, 2025. Quoted as filed.
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Item 1A · new paragraph · not in the 10-K filed Feb 25, 2025 10-K, ITEM 1A
Our ability to generate revenue and expand our business is inherently linked to the prudent and strategic management of risk. These risks are comprehensively defined within our Risk Management Framework, which serves as the foundation for our enterprise-wide approach to risk oversight.
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Item 1A · new paragraph · not in the 10-K filed Feb 25, 2025 10-K, ITEM 1A
Although not comprehensive, the following sections outline the significant risk factors that could affect our business.
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Item 1A · new paragraph · not in the 10-K filed Feb 25, 2025 10-K, ITEM 1A
Adverse economic conditions could negatively affect our performance and overall financial condition.
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Item 1A · new paragraph · not in the 10-K filed Feb 25, 2025 10-K, ITEM 1A
Additionally, external factors such as tariffs, export controls, sanctions, restrictive immigration policies, elevated unemployment, civil unrest, and other political or trade-related developments affecting domestic and global markets may heighten economic uncertainty. Collectively, these conditions could lead to reduced loan demand,…
New risk paragraphs, against peers
Latest 10-K of each, Financials companies closest in revenue
Paragraphs in Risk Factors with nothing like them in the company's 10-K the year before. A count of text, not of risk.
Financial performance
Last 4 fiscal years · 10-K XBRL
| Metric | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|
| Revenue | $3.2B | $3.1B | $3.1B | $3.4B |
| Net income | $907.0M | $680.0M | $784.0M | $899.0M |
| Operating cash flow | $1.5B | $885.0M | $1.1B | $1.1B |
| Free cash flow | $1.3B | $772.0M | $1.1B | $952.0M |
Revenue, FY2016 to FY2025
Ten fiscal years, each from its own 10-K · XBRL · USD
$3.4B ▲ 8.1% in FY2025$899.0M ▲ 14.7% in FY2025$952.0M ▼ 9.4% in FY2025
Recent filings
4 filings in the last 30 days · SEC EDGAR
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Planned saleNov 9, 2026Arbuckle Jason D. (Officer) gave notice of a planned sale of 504 shares worth about $33K Form 144, approximate sale date Nov 9, 2026
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Planned saleNov 9, 2026Kyriakakis Christopher (Officer) gave notice of a planned sale of 2,703 shares worth about $181K Form 144, approximate sale date Nov 9, 2026
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10-QNov 5, 2026Quarterly report (10-Q) period ended Sep 30, 2026
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8-KOct 19, 2026Quarterly results 8-K item 2.02
About the company
Zions Bancorporation, National Association, Salt Lake City, UT · from the 10-K filed Feb 24, 2026
Zions Bancorporation, National Association (“Zions Bancorporation, N.A.,” “the Bank,” “we,” “our,” “us”) is a bank headquartered in Salt Lake City, Utah, with annual net revenue (net interest income and noninterest income) of $3.4 billion in 2025, and total assets of approximately $89 billion at December 31, 2025. We provide a wide range of banking products and related services, primarily in 11 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.
- Headquarters
- Salt Lake City, UT
- Country
- United States
- Reports in
- USD
- Listed on
- Nasdaq
- Fiscal year ends
- December 31
- Last results
- Oct 19, 2026
- Incorporated in
- UT
Employees, at the top of the page: "At December 31, 2025, we had more than one million customers, served through 407 branches and various online, mobile, and digital channels, and we had 9,195 full-time equivalent employees" (10-K). Address and exchange: SEC's company file.
Email alerts
Sources
The 10-K filed Feb 24, 2026 (open at SEC), compared with the 10-K filed Feb 25, 2025. Numbers from the XBRL of the 10-Ks; filings from SEC EDGAR.
Work with it: Excel workbook · CSV. Google Sheet that stays up to date: paste =IMPORTDATA("https://tickdelta.com/company/ZION/export.csv") into a cell.