Research / Stocks / ZION ZION Nasdaq CIK 0000109380
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ · National Commercial Banks
COVERAGE / DEEP
Latest filing 4 · Aug 11, 2026
Research state Latest filing analysis is current
Last SEC check Sep 13, 2026
Data basis Official SEC · no quote feed Component status Filing Evidence Research Current Official SEC filing history is available
Structured Financials Research Current Validated structured financial research is available
Filing Analysis Research Current No filing analysis job is currently running
Fundamental State Research Current Fundamental State depends on validated comparable financial metrics
RESEARCH SNAPSHOT ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s latest supported as-filed period reports revenue of $141.0M . Every value below links to its SEC accession and metric lineage.
Deterministic / evidence backed Key research observations No material rule-based research observation currently meets GrossPattern's Insight value threshold. Current state, direction, and filing evidence remain available below.
Current configuration / point in time Fundamental state A multidimensional view of the latest comparable filing—not a composite score or recommendation.
Sequential deposit growth 50th Own-history percentile · N=20
Method Sequential · gp.financial.deposits
Raw value -0.39% · CORE
Net-income growth 95th Own-history percentile · N=19
Method Yoy · gp.fundamentals.net_income
Raw value 85.66% · CORE
Interest-income growth 16th Own-history percentile · N=19
Method Yoy · gp.financial.interest_income
Raw value -3.04% · CORE
Cash and equivalents 90th Own-history percentile · N=20
Method Level · gp.fundamentals.cash
Raw value $793.0M · CORE
Sequential loan growth 84th Own-history percentile · N=19
Method Sequential · gp.financial.loans
Raw value 1.94% · CORE
Inspect state history and evidence → 5 dimension transitions in this filing Deterministic multi-period research Company direction Business direction, financial quality, capital allocation, and governance evidence remain separate—never collapsed into a recommendation score.
As filed Jun 30, 2026 Bank
Capital Allocation 3 evidence-backed dimensions Deposit Growth Stable Liquidity Stable Loan Growth Increasing [email protected] · 20 historical states · 63% confidenceCompany Direction 5 evidence-backed dimensions Deposit Growth Stable Earnings Growth Improving Interest Income Growth Stable Liquidity Stable Loan Growth Increasing [email protected] · 20 historical states · 63% confidenceFinancial Quality 2 evidence-backed dimensions Earnings Growth Improving Liquidity Stable [email protected] · 20 historical states · 63% confidenceGovernance Evidence 3 evidence-backed dimensions Filing Amendments None Detected Auditor Changes None Detected Insider Activity Observed [email protected] · 20 historical states · 50% confidenceInterpretation boundary Direction describes measurable company fundamentals. Governance reports observable evidence only; it does not grade management character or predict stock returns.
INSIDER STATE / 90D Recent disclosed activity
Open-market purchases 0
Sales 0
Distinct buyers 0
Repeat buyer NO Conservative Form 4 classification · not a sentiment label Flagship analysis / V3 What changed? The most important deterministic changes, ranked by magnitude, issuer history, persistence, and accounting profile.
Current 10-Q 0000109380-26-000111 5 governed changes · top 5 shown
01
MEDIUM IMPORTANCE Net Income 83TH HISTORICAL PCTL · N=135
Net income increased 85.7% Net income changed +85.7% from the comparable as-filed period. The change ranks at the 83th percentile of 135 prior comparable changes.
Why this ranks medium
Magnitude 25
Metric Family 24
Denominator Penalty 0
Historical Unusualness 11
Persistence Or Reversal 5
Significance Percent Of Revenue null
Financial Statement Significance 0
Lowest Level false
Sample Count 135
Highest Level false
Largest Decline false
Largest Increase false
Reversal After Periods 0
Consecutive Direction Periods 5 [email protected] · [email protected] $244.0M → $453.0M Comparable → current
02
LOW IMPORTANCE Interest Income 13TH HISTORICAL PCTL · N=135
Interest income decreased 3.0% Interest income changed -3.0% from the comparable as-filed period. The change ranks at the 13th percentile of 135 prior comparable changes.
Why this ranks low As-filed financials Financial trajectory Each point keeps the date investors could first observe it and its accession.
As filed Current normalized · later
Capex / revenue 23.40% +25.4% ↑ Capital expenditure $33.0M +32.0% ↑ Cash & equivalents $793.0M +20.0% ↑ Debt $946.0M +73.9% ↑ Deposits $76.6B -0.4% ↓ Free-cash-flow proxy $389.0M -2.3% ↓ Interest expense $468.0M -69.0% ↓ Interest income $1.0B +2.3% ↑
ACTIVE TRACE Revenue ZION · as filed with the SEC · reported-date aware
Capex / revenue Q2 / 2026-06-30 23.40% +25.4% sequential point Trace ↗ Evidence inspector
Loading lineage… × Capital expenditure Q2 / 2026-06-30 $33.0M +32.0% sequential point Trace ↗ Evidence inspector
Loading lineage… × Cash & equivalents Q2 / 2026-06-30 $793.0M +20.0% sequential point Trace ↗ Evidence inspector
Loading lineage… × Debt FY / 2024-12-31 $946.0M +73.9% sequential point Trace ↗ Evidence inspector
Loading lineage… × Deposits Q2 / 2026-06-30 $76.6B -0.4% sequential point Trace ↗ Evidence inspector
Loading lineage… × Free-cash-flow proxy Q2 / 2026-06-30 $389.0M -2.3% sequential point Trace ↗ Evidence inspector
Loading lineage… × Interest expense Q1 / 2024-03-31 $468.0M -69.0% sequential point Trace ↗ Evidence inspector
Loading lineage… × Interest income Q2 / 2026-06-30 $1.0B +2.3% sequential point Trace ↗ Evidence inspector
Loading lineage… × Loans Q2 / 2026-06-30 $61.8B +1.9% sequential point Trace ↗ Evidence inspector
Loading lineage… × Net income Q2 / 2026-06-30 $453.0M +94.4% sequential point Trace ↗ Evidence inspector
Loading lineage… × Operating cash flow Q2 / 2026-06-30 $422.0M -0.2% sequential point Trace ↗ Evidence inspector
Loading lineage… × Revenue Q2 / 2026-06-30 $141.0M +5.2% sequential point Trace ↗ Evidence inspector
Loading lineage… × Primary evidence Filing timeline Direct SEC links, filing dates, report periods, and amendment flags.
4 Aug 11, 2026 Period Aug 11, 2026 0000109380-26-000112SEC ↗ 10-Q Aug 6, 2026 Period Jun 30, 2026 0000109380-26-000111SEC ↗ 4 Aug 5, 2026 Period Aug 3, 2026 0000109380-26-000109SEC ↗ 4 Aug 5, 2026 Period Aug 4, 2026 0000109380-26-000108SEC ↗ 4 Aug 4, 2026 Period Jul 31, 2026 0000109380-26-000107SEC ↗ 13F-HR Jul 31, 2026 Period Jun 30, 2026 0000109380-26-000106SEC ↗ 4 Jul 29, 2026 Period Jul 28, 2026 0000109380-26-000105SEC ↗ Form 4 Insider activity Transaction semantics distinguish purchases, sales, awards, exercises, withholding, and derivatives.
“Insider purchase” rule Code P · non-derivative · acquired · direct ownership · positive price and shares · not amended
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