Zions Bancorporation engages in the provision of banking and related services and offers commercial, retail banking and mortgage lending products & services. Its products involves personal banking services to individuals, including home mortgages, bankcard, other installment loans, home equity lines of credit, checking accounts, savings accounts, certificates of deposit of various types and maturities, trust services, safe deposit facilities, direct deposit, and Internet & mobile banking. The company was founded in April 1955 and is headquartered in Salt Lake City, UT.
Is ZIONL a good dividend investment in 2026?
ZIONL offers a 9.59% forward yield with a 50% payout ratio. Strand Safety Score: 75/100 (Safe). The 5-year dividend CAGR of 14.7% demonstrates strong, consistent growth that outpaces inflation.
ZIONL DRIP calculator — what's the difference?
With DRIP on a $10,000 investment over 10 years, your ZIONL portfolio grows to $6.06M vs $5.25M without reinvestment. This is the compound interest effect in action.
ZIONL dividend growth history & forecast
ZIONL has grown its dividend by 0% over the last year and 14.7% annually over 5 years. At this pace, an investor who holds for 10+ years will see their yield on cost grow substantially above the current 9.59%.
Debt/EBITDA 0.0× — low leverage, balance sheet is strong
Earnings Momentum+0.9B → +0.8B → +0.7B
30 / 30 pts
30/30
Net income grew for 2 consecutive years — strong earnings momentum
OVERALL ASSESSMENT
Dividend appears safe — fundamentals solid with moderate concerns.
STRAND SCORE
75
/100
Strand Safety Score™ is proprietary to DividendFlow. Inputs: FCF, Debt/EBITDA, Net Income from SEC filings via FMP. Not financial advice. N/A for ETFs, pre-revenue companies, and tickers without income statements.
🌍 ZIONL Yield by Country & Account Type
Real after-tax yield depends on where you live and how you hold ZIONL.
Gross yield
9.59%
Tax rate
15.00%
After-tax yield
8.15%
Real yield (−CPI)
5.35%
Account/Country
Tax Rate
After-tax Yield
Real Yield
$10K Annual Income
🇺🇸 Roth IRA / 401k
0%
9.59%
6.79%
$959 / yr
🇺🇸 US Taxable (15%) ✓
15%
8.15%
5.35%
$815 / yr
🇺🇸 US Taxable (20%)
20%
7.67%
4.87%
$767 / yr
🇬🇧 UK ISA
0%
9.59%
6.79%
$959 / yr
🇬🇧 UK Taxable
8.75%
8.75%
5.95%
$875 / yr
🇨🇦 TFSA
0%
9.59%
6.79%
$959 / yr
🇨🇦 CA Taxable
25%
7.19%
4.39%
$719 / yr
🇦🇺 Super (pension)
15%
8.15%
5.35%
$815 / yr
🇦🇺 AU Taxable
30%
6.71%
3.91%
$671 / yr
🇩🇪 DE Taxable
26.375%
7.06%
4.26%
$706 / yr
🇫🇷 FR Taxable
30%
6.71%
3.91%
$671 / yr
Real yield = after-tax yield minus US CPI of 2.8%. 12-month CPI (US BLS via FMP economic-indicators). Click any row to select. US withholding tax (30%, reducible by treaty) applies to non-US residents holding US stocks in taxable accounts.
🎯 ZIONL Income Goal & Break-Even
Dividend Break-Even
8yr
Years for dividends to fully repay your ZIONL investment of $25.00/share (🇺🇸 US Taxable (15%) · 15.00% tax)
$10K invested · 10 Years
Dividends earned (DRIP)
$20.8K
Lost to inflation (2.8% CPI)
−$2.5K
Real purchasing power gain
$18.3K
12-month CPI (US BLS via FMP economic-indicators).
How much do I need to invest in ZIONL for:
Shares needed
11,784
Capital required
$294,543
Monthly income
$2,000
Based on current dividend of $2.40/share/yr · 🇺🇸 US Taxable (15%) · static projection (no growth assumed).
📅 ZIONL Dividend Payment Schedule
ZIONL pays quarterly — 4 times per year. Next ex-div: TBD.
Jan
Feb
Mar
💰
Apr
May
Jun
💰
Jul
Aug
Sep
💰
Oct
Nov
Dec
💰
10 shares
$5.09 / payment
$20.37 / year after tax
100 shares
$50.92 / payment
$203.68 / year after tax
1,000 shares
$509.21 / payment
$2036.82 / year after tax
📊 ZIONL vs Financial Services Benchmarks
How ZIONL compares to typical Financial Services averages.
Benchmark: Financial Services
Dividend Yield▲+6.69% vs sectorBetter
ZIONL
9.59%
avg
2.90%
5Y Dividend CAGR▲+7.60% vs sectorBetter
ZIONL
14.70%
avg
7.10%
Payout Ratio▼+12.00% vs sectorBelow avg
ZIONL
50.00%
avg
38.00%
Benchmarks: S&P 500 sector averages (2024–2026). Sources: Morningstar, Bloomberg, NAREIT. 5Y CAGR for ZIONL sourced from FMP /financial-growth endpoint — real data, not estimates.
🏛️ ZIONL Insider Activity
▲ 1 Buys▼ 2 Sales
When executives buy their own stock, it's a signal they believe in the dividend's sustainability.
Insider
Title
Type
Date
Shares
Price
Total Value
SIMMONS HARRIS H
director, officer: Chairman & CEO
A-Award
2026-03-24
1,278.369
—
—
STEPHENS STEVEN DAN
officer, other: Executive Vice President
F-InKind
2026-03-06
95
$55.74
$5.3K
STEPHENS STEVEN DAN
officer, other: Executive Vice President
F-InKind
2026-02-26
84
$61.65
$5.2K
SIMMONS HARRIS H
director, officer: Chairman & CEO
Buy
2026-02-24
4,500
$59.03
$265.6K
Arbuckle Jason D.
officer: SVP - Controller
Sale
2026-02-20
190
$61.77
$11.7K
Arbuckle Jason D.
officer: SVP - Controller
G-Gift
2026-02-20
214
—
—
Smith Jennifer Anne
officer: Executive Vice President
M-Exempt
2026-02-18
1,890
$52.90
$100.0K
Smith Jennifer Anne
officer: Executive Vice President
M-Exempt
2026-02-18
199
$52.90
$10.5K
Smith Jennifer Anne
officer: Executive Vice President
Sale
2026-02-18
199
$62.48
$12.4K
Smith Jennifer Anne
officer: Executive Vice President
M-Exempt
2026-02-18
1,890
$52.90
$100.0K
Insider transactions sourced from SEC Form 4 filings via Financial Modeling Prep. See disclaimer.
🔬
Financial Health Scores
Altman Z-Score
0.45
🔴 Distress Zone — elevated dividend cut risk
Safe: >3.0 · Grey: 1.81–3.0 · Distress: <1.81
Piotroski F-Score
6/9
⚠️ Moderate fundamentals
Strong: 7–9 · Moderate: 4–6 · Weak: 0–3
Altman Z-Score predicts bankruptcy risk. Piotroski F-Score measures financial strength across 9 criteria. High scores → lower dividend cut risk. Data via FMP financial statements.
🟢
Net Insider Sentiment: Bullish1 buys · 2 sells · last 90 days
Net: +$241.5K
Insiders are net buyers — historically a positive signal for dividend sustainability. Last purchase: 2026-02-24
📊 About This Data
Dividend yields, payout ratios, and financial metrics are sourced from Financial Modeling Prep (FMP) and cross-referenced with SEC EDGAR filings. Data is cached and updated every 24 hours via our nightly refresh. DRIP projections are forward-looking estimates, not guarantees.
Educational purposes only. Not financial advice. DividendFlow is not a registered investment advisor. Projections generated by the ZIONL dividend calculator are estimates based on historical data and user inputs. Actual future returns, stock prices, and dividend payments will vary. Dividends can be cut or suspended at any time. All investments carry risk, including the loss of principal. Please consult a qualified financial professional before making any investment decisions. Full disclaimer →