ZIONPNasdaqNational Commercial BanksUS GAAP · USD

Zions Bancorporation N.A

Zions Bancorporation, National Association is a U.S. bank headquartered in Salt Lake City, Utah, operating through seven locally managed affiliate banks and an enterprise-level support segment. It provides commercial, small business, consumer, wealth management, and capital markets banking services across the Western United States.

Kysy yhtiöstä
Liikevaihto662milj. USD
+3,6 %v/v
Nettotulos899milj. USD
+14,7 %v/v
Vapaa kassavirta952milj. USD
−9,4 %v/v

Tilikausi 2025 · muutos edellisvuodesta

Kehitys 2020–2025

0200400600800milj. USD2020: 549 milj. USD20202021: 575 milj. USD20212022: 614 milj. USD20222023: 616 milj. USD20232024: 639 milj. USD20242025: 662 milj. USD2025662
LiikevaihtoLiikevoitto (EBIT)
Kysy Clarifolta: Zions Bancorporation N.A

Liiketoiminta

Osuus liikevaihdosta
Commercial and Small Business Banking35 %

Lending, deposits, cash management, cards, leasing, and related services for business clients.

Commercial Real Estate Lending20 %

Term and construction financing secured by multifamily, industrial, retail, office, and housing assets.

Capital Markets and Investment Banking15 %

Loan syndication, underwriting, advisory, risk management, and specialty finance solutions.

Retail Banking20 %

Consumer deposits, mortgages, home equity, personal loans, and credit cards.

Wealth Management10 %

Investment management, fiduciary services, and estate and succession planning.

Tuotteet

Raportoitu · osuus liikevaihdosta
35,0%26,3%14,0%11,0%10,2%FY2025100 %
  • Products and Services Commercial Account Fees35,0 %
  • Products and Services Card Fees26,3 %
  • Products and Services Retail and Business Banking Fees14,0 %
  • Products and Services Other Customer Related Fees11,0 %
  • Products and Services Wealth Management Fees10,2 %
  • Products and Services Capital Markets Fees3,6 %

Lähde: 10-K FY2025, yhtiön tuotelinjoittain raportoima liikevaihto (SEC XBRL). Osuudet on laskettu näytetyistä riveistä ja ne summautuvat 100 %:iin.

Asiakkaat

Zions serves more than one million customers, with a core focus on commercial and small business clients across its Western U.S. footprint. It also serves consumers, real estate borrowers, municipalities, and wealth clients through branch, digital, and advisory channels. The bank’s affiliate structure supports local decision-making, which is important for relationship banking and customized credit and treasury solutions.

Commercial and small business customers

Buy lending, deposits, treasury, cards, and payment services to support operating needs and growth.

Commercial real estate borrowers

Buy term and construction financing for multifamily, industrial, retail, office, and housing projects.

Retail banking customers

Buy deposit accounts, mortgages, home equity, personal loans, and consumer cards.

Wealth management clients

Buy investment management, fiduciary, estate planning, and succession services.

Municipal and public finance clients

Use banking and capital markets services for funding and transaction execution.

Strategia

Zions’ strategy centers on balanced growth across commercial banking, small business banking, capital markets, wealth management, and consumer banking. The bank uses its affiliate model, local brands, and centralized risk and technology support to deepen relationships while maintaining disciplined oversight. Technology, data, marketing, and operational excellence are positioned as enablers of local execution and customer retention.

Commercial banking growthKeskipitkä aikaväli

Commercial relationships drive lending, deposits, and cross-sell opportunities.

Small business expansionKeskipitkä aikaväli

Small business clients can deepen deposit and fee relationships across local markets.

Capital markets capability buildingKeskipitkä aikaväli

Advisory and underwriting services diversify revenue beyond spread lending.

Wealth and consumer relationship growthKeskipitkä aikaväli

These businesses broaden the customer base and support stable funding relationships.

Maantiede

Zions is headquartered in Salt Lake City, Utah and operates primarily in 11 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. Its commercial lending portfolio is concentrated in Texas, California, Utah/Idaho, and Arizona, with smaller exposures across the rest of the footprint. This regional model ties performance to Western U.S. economic conditions, local real estate markets, and borrower concentrations.

Riskit

As a commercial bank, Zions is exposed to credit quality, interest rate, liquidity, and regulatory risks, with concentration in commercial and commercial real estate lending. Its technology and cybersecurity exposure matters because customer service, payments, and digital banking depend on stable systems and third-party providers. Capital and dividend flexibility can also be constrained by stress testing, bank regulations, and supervisory requirements.

Järjestetty vakavuuden mukaan
MatalaKohtalainenKorkeaMatalaKohtalainenKorkeaVaikutus →Todennäköisyys →Credit risk1Commercial real estate concentration2Technology and cybersecurity risk3Interest rate and market risk4Regulatory and capital risk5
Vaikutus on riskin vakavuus ja todennäköisyys sen toteutumisen todennäköisyys lähivuosina, molemmat arvioitu yhtiön raporttien perusteella. Numerot vastaavat listaa.
  1. Credit riskVaikutus: KorkeaTodennäköisyys: Korkea

    Loan performance depends on borrower cash flows, collateral values, and underwriting discipline.

    Kohdistuu: Commercial and CRE portfolios

  2. Commercial real estate concentrationVaikutus: KorkeaTodennäköisyys: Korkea

    CRE lending is sensitive to property values, refinancing conditions, and occupancy trends.

    KohdistuuMultifamilyIndustrialRetailOfficeDevelopment loans
  3. Technology and cybersecurity riskVaikutus: KorkeaTodennäköisyys: Kohtalainen

    Digital banking, payments, and treasury services rely on secure, reliable systems.

    KohdistuuOnline bankingMobile bankingRemote depositTreasury services
  4. Interest rate and market riskVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Bank earnings and valuation are affected by changes in rates and market spreads.

    Kohdistuu: Net interest income and capital markets activities

  5. Regulatory and capital riskVaikutus: KeskitasoTodennäköisyys: Kohtalainen

    Bank capital, stress testing, and supervisory rules can restrict distributions and growth.

    KohdistuuDividendsRepurchasesCapital planning
Kysy Clarifolta: Zions Bancorporation N.A

Kirjanpito

Harkinnanvaraiset erät
Allowance for credit losses

Bank reserves rely on econometric models, scenario weights, and management overlays.

Vaikutus: Can materially change provision expense and earnings

Fair value and derivatives

Capital markets fees and derivative income depend on valuation inputs and market moves.

Vaikutus: Can create quarter-to-quarter volatility in noninterest income

Goodwill impairment

A decline in reporting unit fair value could trigger impairment charges.

Vaikutus: Could reduce earnings and book value

Deferred tax assets

Realizability depends on future taxable income and regulatory expectations.

Vaikutus: Can affect net assets and effective tax rate

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Päivitetty: 24.9.2026