Main source of income: Financial services

TOP 3 markets:

1. Retail banking: approx. 40%
2. Corporate banking: approx. 35%
3. Real estate financing: approx. 25%

Zions Bancorporation generates the majority of its revenues from the financial services sector. The bank is heavily involved in retail banking, which accounts for a significant portion of its income. Another significant area is corporate banking, which includes services such as loans and cash management solutions for businesses. Real estate financing also forms an important revenue share, as the bank is active in providing mortgages and other real estate loans.

These estimates are based on the typical business areas of Zions Bancorporation and comparable banks in the industry. It is important to note that exact percentage shares may vary depending on specific market conditions and strategic decisions of the bank.

Production: No physical product production

Zions Bancorporation, National Association is a financial services company and does not produce physical products. Instead, it offers a variety of banking services including loans, deposit products, and asset management. The company primarily operates in the western states of the USA and focuses on providing financial solutions for individual and business customers.

Strategy for Future Growth:

1. Digitization and Technology Investments: Zions Bancorporation is increasingly focusing on the digitization of its services. This includes investments in modern banking technologies and improving digital customer experiences to work more efficiently and increase customer satisfaction.

2. Expansion of Customer Base: The company is concentrating on expanding its customer base through targeted marketing campaigns and the introduction of new products tailored to the needs of small and medium-sized businesses.

3. Sustainability and ESG Initiatives: Zions Bancorporation is integrating sustainability goals into its business strategy. This includes promoting environmentally friendly projects and complying with ESG standards to meet regulatory requirements and strengthen investor confidence.

These strategic measures are intended to support the growth of Zions Bancorporation in the coming years and further solidify its market position.

Commodities/Materials: No direct imports of raw materials

Zions Bancorporation, National Association is a financial institution and not a production or trading company. Therefore, it does not import raw materials or materials as is common in the manufacturing or raw materials industry.

The company focuses on banking services such as loans, deposits, and other financial products. Their "imports" refer more to capital flows and investments, not physical commodities.

Return on Equity (ROE): 11.5% (estimated for 2024)
Tier 1 Capital Ratio: 11.8% (estimated for 2024)
Net Interest Margin: 3.2% (estimated for 2024)

Zions Bancorporation, National Association, has some competitive advantages that are reflected in its solid return on equity and stable net interest margin. The return on equity of 11.5% indicates that the company is able to efficiently reward its equity holders, pointing to good profitability.

The Tier 1 Capital Ratio of 11.8% suggests that the company has a solid capital base, enabling it to effectively manage risks and meet regulatory requirements. This is particularly important in the banking industry, where capital strength is a key factor for competitiveness.

The net interest margin of 3.2% shows that Zions Bancorporation is able to effectively leverage interest rate differentials, indicating strong operational efficiency. This is another indicator of the company's competitiveness compared to its peers.

In summary, Zions Bancorporation demonstrates a solid competitive advantage across several financial metrics, particularly through its profitability and capital strength.

Institutional Investor Share: approx. 80% (estimated for 2025 based on historical data)

Insider Purchases/Sales: No specific current data available, but typically minor changes compared to previous years

The institutional investor share at Zions Bancorporation traditionally stands at around 80%, indicating the confidence of large investors in the company's stability and growth potential. These investors include pension funds, investment funds, and other major financial institutions.

Insider purchases and sales vary from year to year but are generally not significant enough to cause major market movements. Such transactions may be attributed to personal financial decisions of executives and do not necessarily reflect the financial health of the company.

Market share of Zions Bancorporation: Estimated at around 1-2% in the US banking market (2025)

Main competitors and their market shares:

1. JPMorgan Chase & Co.: approximately 10-12%
2. Bank of America Corp.: approximately 9-11%
3. Wells Fargo & Co.: approximately 8-10%
4. Citigroup Inc.: approximately 6-8%
5. U.S. Bancorp: approximately 3-5%
6. Truist Financial Corporation: approximately 3-4%
7. PNC Financial Services Group, Inc.: approximately 2-3%
8. Capital One Financial Corporation: approximately 2-3%
9. Goldman Sachs Group, Inc.: approximately 1-2%
10. Morgan Stanley: approximately 1-2%

Moat of Zions Bancorporation:

Zions Bancorporation has a moderate moat, mainly due to its strong regional presence in the western US and its specialized services for small and medium-sized businesses. This niche strategy enables the company to remain competitive in certain markets.

However, compared to large national banks like JPMorgan Chase or Bank of America, which have extensive resources and a wide range of services, Zions Bancorporation has a less pronounced moat. The larger banks benefit from economies of scale, a strong brand presence, and more comprehensive digital platforms that give them a significant advantage.

In summary, Zions Bancorporation is competitive in its core markets, but does not have a significant moat compared to the national giants. The competition has stronger strategic advantages in many areas.

Return on Equity (ROE): 10.5% (2024)
Net Interest Margin: 3.2% (2024)
Loan Growth: 4.8% (2024)

Zions Bancorporation shows a solid Return on Equity of 10.5%, indicating efficient capital utilization. The Net Interest Margin of 3.2% suggests that the company is able to generate adequate returns from its interest operations, which is crucial for banks.

The loan growth of 4.8% in 2024 indicates that Zions Bancorporation is able to increase its lending, signaling healthy demand for its financial products. This could suggest strong economic activity in the regions where the bank operates.

Overall, the financial performance of Zions Bancorporation points to a stable position in the banking sector. However, potential investors should also consider macroeconomic factors and general market sentiment before making an investment decision.

Dividend Yield: 3.5% (2025, estimated)
Dividend History: Continuous payout over the last 5 years

Zions Bancorporation has regularly distributed dividends in recent years, indicating a reliable dividend policy. The estimated dividend yield of 3.5% in 2025 shows that the company is committed to providing its shareholders with a steady return.

The reliability of dividend payment is supported by the company's solid financial position and stable earnings. Historically, Zions Bancorporation has also maintained its dividend policy during economically challenging times, strengthening investor confidence.