ZIONZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
National Commercial Banks
- Revenue
- $529M
- 3.1% YoY
- Operating margin
- —
- EBITDA
- —
- Market cap
- —
- Employees
- —
- Net debt / EBITDA
- —
- $1.2B net debt
- AI in 10-K
- —
Red flags 0 of 9
- TSR below peersClear—3+ of last 5 years
- High CEO pay despite TSRClear—Median CEO pay ≥ $15M and TSR flag
- Active 13DClear0 filingsActive-intent 13D in 18 months
- Net insider sellingClear$0 netNet sales over $10M in 12 months
- Earnings not backed by cashClear119% of net incomeCash flow under 80% of net income
- Dilutive SBCClear7% of revenueOver 10% of revenue
- Payouts exceed cash flowClear29% of cash flowBuybacks + dividends over cash flow
- Goodwill-heavyClear1% of assetsOver 40% of assets
- Shareholder dissentClear—Any vote under 80% support
Financials
| Metric | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | YoY |
|---|---|---|---|---|---|---|
| Revenue | $449M | $495M | $503M | $513M | $529M | 3.1% |
| Net income | $1.1B | $907M | $680M | $784M | $899M | 15% |
| Operating cash flow | $629M | $1.5B | $885M | $1.1B | $1.1B | 6.5% |
| Capex | $206M | $190M | $113M | $97M | $121M | 25% |
| Stock-based comp | $28M | $30M | $33M | $33M | $35M | 6.1% |
| Buybacks | $800M | $202M | $51M | $36M | $41M | 14% |
| Dividends | $261M | $269M | $282M | $289M | $267M | 7.6% |
Deal filings
None.
13D filers
None on file.
Insider trading
- Open-market buys, 12 mo
- $0 · 0
- Open-market sells, 12 mo
- $131K · 2
- Net
- −$131K
Pay vs performance
No pay-versus-performance disclosure yet.