Is Zions Bancorporation’s (ZION) Steady Dividend a Signal of Strength or Caution for Investors?

• Zions Bancorporation, N.A. recently announced that its board declared a regular quarterly dividend of US$0.45 per common share payable on November 20, 2025, to shareholders of record as of November 13, 2025.
• This follows the release of the bank’s third quarter 2025 Form 10-Q, in which management highlighted robust financial results and effective risk management strategies to support stability amid changing economic conditions.
• We'll examine how the bank’s continued focus on credit quality and interest rate risk management is shaping its long-term investment narrative.

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Zions Bancorporation National Association Investment Narrative Recap

To invest in Zions Bancorporation, National Association, you need to believe in the bank’s ability to sustain disciplined credit risk management and stable earnings, despite its exposure to regional economic cycles. The latest dividend affirmation signals ongoing financial strength, but does not materially change the near-term catalyst, maintaining credit quality amid higher net charge-offs, which remains the most significant focus for the business right now.

The third quarter earnings report is particularly relevant, as it showcased both continued profit growth and a notable increase in net charge-offs to US$56 million, reflecting pressure points tied to loan exposures. This development directly affects Zions’ narrative around asset quality and serves as a reminder that loan performance remains a critical watch area for investors, especially as economic headwinds evolve. Yet, keep in mind that if pressure on commercial loan portfolios escalates, particularly in real estate, investors should be aware of...

Read the full narrative on Zions Bancorporation National Association (it's free!)

Zions Bancorporation National Association's narrative projects $3.5 billion in revenue and $818.0 million in earnings by 2028. This requires 3.7% yearly revenue growth and a $12.0 million earnings increase from $806.0 million today.

Uncover how Zions Bancorporation National Association's forecasts yield a $62.30 fair value, a 19% upside to its current price.

Exploring Other Perspectives

Simply Wall St Community members provided two fair value estimates for Zions Bancorporation, N.A., ranging from US$62.30 to US$116.88 per share. While opinions differ widely, the increase in net charge-offs highlights how quickly risks can emerge and shape future expectations.

Explore 2 other fair value estimates on Zions Bancorporation National Association - why the stock might be worth over 2x more than the current price!

Build Your Own Zions Bancorporation National Association Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Zions Bancorporation National Association research is our analysis highlighting 4 key rewards that could impact your investment decision.
• Our free Zions Bancorporation National Association research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Zions Bancorporation National Association's overall financial health at a glance.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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