Is ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2025
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| DJIM | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| MSCI | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| S&P | Excluded — Banks - Regional | ✗ NOT HALAL | |||
| FTSE | Excluded — Banks - Regional | ✗ NOT HALAL | |||
Financial Highlights
Profitability
| Gross Margin | 0.0% | |
| Operating Margin | 38.8% | |
| Net Margin | 27.1% | |
| Return on Equity (ROE) | 13.5% | |
| Return on Assets (ROA) | 1.0% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $1.1B |
| Free Cash Flow | $952M |
| Total Debt | $3.5B |
| Total Assets | $89.0B |
Price & Trading
| Last Close | $57.25 |
| 50-Day MA | $58.85 |
| 200-Day MA | $55.85 |
| Avg Volume | 1.8M |
| Beta | 0.8 |
|
52-Week Range
$39.32
| |
About ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION)
Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington segments. It offers commercial and small business banking services to small- and medium-sized businesses, such as commercial, industrial, and owner-occupied lending and leasing; municipal and public finance services; depository account and cash management services; commercial and small business cards; merchant processing services; corporate trust services; and correspondent banking and international lending services. The company also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, mergers and acquisitions advisory services, advisory and capital raising, commercial mortgage-backed security conduit lending, and power and project financing; and commercial real estate lending services consisting of term and construction/land development financing for commercial and residential purposes. In addition, it offers retail banking services comprising residential mortgages lending, home equity lines of credit, personal lines of credit, installment consumer loans, depository account services, consumer cards, and personal trust services; and wealth management services consisting of investment management, fiduciary and estate, and advanced business succession and estate planning services. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.
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Frequently Asked Questions
Is ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s debt ratio?
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s debt ratio is not available under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%.
What are ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/'s key financial metrics?
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ has a market capitalization of $8.2B, trailing P/E ratio of 9.2, and revenue of $3.4B. Return on equity stands at 13.5%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.