ZION (Zions Bancorp NA) LT-Debt-to-Total-Asset: 0.02 (As of Mar. 2026)


ZION Zions Bancorp NA ZION
66 GF Score
Price $69.15
GF Value $53.86
Valuation Modestly Overvalued
! 6 Warning Signs
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What is Zions Bancorp NA LT-Debt-to-Total-Asset?

Zions Bancorp NA ZION -0.27% 66 LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus rates ZION with a GF Score™ of 66/100 and a GF Value™ of $53.86 (Modestly Overvalued). The stock has 6 warning signs investors should review.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. Zions Bancorp NA's long-term debt to total assests ratio for the quarter that ended in Mar. 2026 was 0.02.

Zions Bancorp NA's long-term debt to total assets ratio increased from Mar. 2025 (0.01) to Mar. 2026 (0.02). It may suggest that Zions Bancorp NA is progressively becoming more dependent on debt to grow their business.

Zions Bancorp NA  (NAS:ZION) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

Zions Bancorp NA LT-Debt-to-Total-Asset Related Terms

Zions Bancorp NA LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for Zions Bancorp NA's LT-Debt-to-Total-Asset can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Zions Bancorp NA LT-Debt-to-Total-Asset Chart

Zions Bancorp NA Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.01 0.01 0.01 0.01 0.02

Zions Bancorp NA Quarterly Data
Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25 Mar26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.01 0.01 0.02 0.02 0.02
ZION
66GF Score
Zions Bancorp NA ZION
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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Zions Bancorp NA LT-Debt-to-Total-Asset Calculation

Zions Bancorp NA's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Dec. 2025 is calculated as

LT Debt to Total Assets (A: Dec. 2025 )=Long-Term Debt & Capital Lease Obligation (A: Dec. 2025 )/Total Assets (A: Dec. 2025 )
=1472/88990
=0.02

Zions Bancorp NA's Long-Term Debt to Total Asset Ratio for the quarter that ended in Mar. 2026 is calculated as

LT Debt to Total Assets (Q: Mar. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Mar. 2026 )/Total Assets (Q: Mar. 2026 )
=1963/87957
=0.02

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 0.02 mean?
Zions Bancorp NA (ZION) has a LT-Debt-to-Total-Asset of 0.02 as of Mar. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Zions Bancorp NA and its competitors.
Is Zions Bancorp NA's LT-Debt-to-Total-Asset too high?
Zions Bancorp NA's current LT-Debt-to-Total-Asset is 0.02. Overall, Zions Bancorp NA has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zions Bancorp NA's LT-Debt-to-Total-Asset compare to SSB and ONB?
Zions Bancorp NA's LT-Debt-to-Total-Asset of 0.02 can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good LT-Debt-to-Total-Asset for a Banks company?
A good LT-Debt-to-Total-Asset depends on the Banks industry context. However, LT-Debt-to-Total-Asset should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on Zions Bancorp NA and its competitors. Zions Bancorp NA's current LT-Debt-to-Total-Asset is 0.02. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zions Bancorp NA stock overvalued right now?
Based on GuruFocus' analysis, Zions Bancorp NA (ZION) is currently considered Modestly Overvalued. The stock's GF Value™ is $53.86, compared to a current price of $69.15 — trading 28.4% above its estimated fair value. The current LT-Debt-to-Total-Asset is 0.02. Zions Bancorp NA's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For Zions Bancorp NA (ZION), the current LT-Debt-to-Total-Asset is 0.02 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Zions Bancorp NA (ZION) Overvalued in 2026?

Based on GuruFocus' analysis, Zions Bancorp NA stock appears to be overvalued. The current stock price of $69.15 is trading 28.4% above its estimated GF Value™ of $53.86. GuruFocus considers Zions Bancorp NA to be Modestly Overvalued.

Key valuation signals for ZION:

  • LT-Debt-to-Total-Asset: 0.02
  • GF Value™: $53.86 vs. price of $69.15 (28.4% above fair value)
  • GF Score™: 66/100 with 6 warning signs

No single metric tells the full story. See the ZION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Zions Bancorp NA Business Description

Address One South Main Street, Salt Lake City, UT, USA, 84133-1109
Zions Bancorp is a US regional bank with around $90 billion in total assets as of March 31, 2026. Headquartered in Salt Lake City, Utah, Zions' branch network is in the Western and Southwestern United States and includes seven affiliate banks in these markets. The bank has a heavy focus on small and midsize commercial banking.
66GF Score

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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$69.15
Price
$53.86
GF Value