Zions [ZION] vs U.S. Bancorp [USB] Detailed Stock Comparison

Zions Bancorporation, National Association

NASDAQ
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U.S. Bancorp

NYSE
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TLDR: Quick Comparison Summary

Based on 19 vital metrics comparison: Zions Bancorporation, National Association wins in 11 metrics, U.S. Bancorp wins in 8 metrics, with 0 ties. Zions Bancorporation, National Association appears stronger overall.

View Metrics Details

Vital Metrics Comparison

Metric Zions Bancorporation, National Association U.S. Bancorp Better
P/E Ratio (TTM) 9.66 11.92 Zions Bancorporation, National Association
Price-to-Book Ratio 1.29 1.51 Zions Bancorporation, National Association
Debt-to-Equity Ratio 0.33 1.21 Zions Bancorporation, National Association
PEG Ratio 0.25 0.82 Zions Bancorporation, National Association
Profit Margin (TTM) 28.36% 29.29% U.S. Bancorp
Operating Margin (TTM) 36.10% 37.84% U.S. Bancorp
EBITDA Margin (TTM) 36.10% 37.84% U.S. Bancorp
Return on Equity 14.12% 12.35% Zions Bancorporation, National Association
Return on Assets (TTM) 1.09% 1.14% U.S. Bancorp
Free Cash Flow (TTM) $952.00M $7.97B U.S. Bancorp
Dividend Yield 3.46% 3.82% U.S. Bancorp
1-Year Return 31.86% 25.83% Zions Bancorporation, National Association
Price-to-Sales Ratio (TTM) 2.70 3.32 Zions Bancorporation, National Association
Enterprise Value $8.02B $126.46B U.S. Bancorp
EV/Revenue Ratio 2.36 4.75 Zions Bancorporation, National Association
Revenue per Share (TTM) $23 $17 Zions Bancorporation, National Association
Earnings per Share (Diluted) $6.44 $4.77 Zions Bancorporation, National Association
Beta (Stock Volatility) 0.80 1.03 Zions Bancorporation, National Association
Short % of Float 3.98% 0.00% U.S. Bancorp

Zions Bancorporation, National Association vs U.S. Bancorp Stock Performance Analysis

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ZION
USB

Performance Comparison

Short-term Returns

Stock1D1W1M3M6MYTD
Zions Bancorporation, National Association3.77%1.30%1.51%8.30%13.13%6.41%
U.S. Bancorp4.37%1.85%0.40%2.06%7.96%2.84%

Long-term Returns

Stock1Y3Y5Y10Y15Y20Y
Zions Bancorporation, National Association31.86%114.83%7.43%120.36%172.83%-24.69%
U.S. Bancorp25.83%72.81%-9.74%29.45%123.42%73.14%

Performance & Financial Health Analysis: Zions Bancorporation, National Association vs U.S. Bancorp

MetricZIONUSB
Market Information
Market Cap i$9.21B$88.06B
Market Cap CategoryMid capLarge cap
10 Day Avg. Volume i1,453,2989,829,002
90 Day Avg. Volume i1,623,91610,401,007
Last Close$63.05$55.46
52 Week Range$46.19 - $66.18$42.55 - $61.19
% from 52W High-4.73%-9.36%
All-Time High$88.56 (Feb 19, 2007)$63.57 (Jan 10, 2022)
% from All-Time High-28.81%-12.76%
Growth Metrics
Quarterly Revenue Growth0.10%0.05%
Quarterly Earnings Growth0.37%0.14%
Financial Health
Profit Margin (TTM) i0.28%0.29%
Operating Margin (TTM) i0.36%0.38%
Return on Equity (TTM) i0.14%0.12%
Debt to Equity (MRQ) i0.331.21
Cash & Liquidity
Book Value per Share (MRQ)$48.18$37.54
Cash per Share (MRQ)$23.89$31.14
Operating Cash Flow (TTM) i$974.00M$6.04B
Levered Free Cash Flow (TTM) i$884.00M$7.19B
Dividends
Last 12-Month Dividend Yield i3.46%3.82%
Last 12-Month Dividend i$2.21$2.04

Valuation & Enterprise Metrics Analysis: Zions Bancorporation, National Association vs U.S. Bancorp

MetricZION (Apr 24, 2026)USB (Apr 24, 2026)
Price Ratios
P/E Ratio (TTM) i9.6611.92
Forward P/E i9.3410.09
PEG Ratio i0.250.82
Price to Sales (TTM) i2.703.32
Price to Book (MRQ) i1.291.51
Market Capitalization
Market Capitalization i$9.21B$88.06B
Enterprise Value i$8.02B$126.46B
Enterprise Value Metrics
Enterprise to Revenue i2.364.75
Enterprise to EBITDA iN/AN/A
Risk & Other Metrics
Beta i0.801.03
Book Value per Share (MRQ) i$48.18$37.54

Financial Statements Comparison: Zions Bancorporation, National Association vs U.S. Bancorp

Financial Metrics

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Revenue

Operating Margin

Profit Margin

Long Term Debt

Income Flow Analysis

Financial Statements Comparison

Income Statement

MetricZION (2025)USB (2025)
Revenue/Sales i3.39B28.54B
Cost of Goods Sold iN/AN/A
COGS % of Revenue i0.0%0.0%
Gross Profit iN/AN/A
Gross Margin i0.0%0.0%
Research & Development iN/AN/A
Operating Income (EBIT) iN/AN/A
Operating Margin i0.0%0.0%
EBITDA iN/AN/A
EBITDA Margin i0.0%0.0%
Pre-Tax Income i1.18B9.52B
Pre-Tax Income % of Revenue i34.7%33.3%
Income Tax i276.00M1.92B
Income Tax % of Revenue i8.2%6.7%
Net Income (Profit) i899.00M7.60B
Profit Margin i26.6%26.6%

Balance Sheet & Liquidity Metrics

MetricZION (2025)USB (2025)
Cash & Equivalents i2.89B46.89B
Total Current Assets iN/AN/A
Total Current Assets % of Revenue i0.0%0.0%
Total Current Liabilities iN/AN/A
Total Current Liabilities % of Revenue i0.0%0.0%
Long-Term Debt i1.47B60.76B
Long-Term Debt % of Revenue i43.5%212.9%
Total Shareholders Equity i7.18B65.65B
Retained Earnings i7.33B80.91B
Retained Earnings % of Revenue i216.5%283.5%
Property, Plant & Equipment iN/A1.51B

Cash Flow Statement Comparison

MetricZION (2025)USB (2025)
Operating Cash Flow i974.00M6.04B
Operating Cash Flow % of Revenue i28.8%21.2%
Capital Expenditures i-121.00MN/A
Free Cash Flow i952.00M7.97B
FCF Margin i28.1%27.9%
Debt Repayment i0-9.05B
Common Stock Repurchase i-41.00M-489.00M

Short Interest & Institutional Ownership Analysis

MetricZIONUSB
Shares Short i4.99M27,002
Short Ratio i3.040.00
Short % of Float i3.98%0.00%
Shares Outstanding i147.08M1.56B
Float Shares i144.28M1.55B
% Held by Insiders i1.50%0.14%
% Held by Institutions i80.52%83.55%
% Held by Public i17.98%16.31%

Dividend Analysis & Yield Comparison: Zions Bancorporation, National Association vs U.S. Bancorp

MetricZIONUSB
Last 12-Month Dividend i$2.21$2.04
Last 12-Month Dividend Yield i3.46%3.82%
3-Year Avg Annual Dividend i$1.84$1.98
3-Year Avg Dividend Yield i0.95%1.19%
3-Year Total Dividends i$5.51$5.95
Ex-Dividend DateFeb 12, 2026Dec 31, 2025