STOCK TITAN

Deferred stock units granted to Zions (NASDAQ: ZION) director

(Moderate)
(Neutral)
Form Type
4

Rhea-AI Filing Summary

Ryan Daniel Joseph reported acquisition or exercise transactions in this Form 4 filing.

Zions Bancorporation director Daniel Joseph received a compensation grant of 1,921 deferred compensation units tied to common stock. The units were valued at $62.02 per underlying share on the grant date and are structured as phantom stock, settled in cash upon retirement or death. Following this award, he holds 1,921 such units directly.

Positive

  • None.

Negative

  • None.
Insider Ryan Daniel Joseph
Role Director
Type Security Shares Price Value
Grant/Award Deferred Comp 1,921 $62.02 $119K
Holdings After Transaction: Deferred Comp — 1,921 shares (Direct)
Footnotes (1)
  1. F1. The phantom stock units are settled in cash upon the earlier of death or retirement
Deferred comp units granted 1,921 units Grant of phantom stock units on 2026-06-02
Reference price per unit $62.02 per underlying share Value used to calculate deferred comp grant
Deferred comp units after grant 1,921 units Total deferred compensation units held directly after transaction
Underlying security shares 1,921 shares Underlying common stock equivalent for phantom units
Deferred Comp financial
"security_title: "Deferred Comp""
phantom stock units financial
"The phantom stock units are settled in cash upon the earlier of death or retirement"
Phantom stock units are company promises that pay a cash or stock-equivalent award tied to the firm’s share price or value growth, but they do not issue actual shares. Think of them as a bonus check that moves with the stock like a mirror rather than handing over an ownership slice. Investors care because these awards can affect a company’s future cash obligations, executive incentives and reported expenses without causing share dilution.
Form 4 regulatory
"INSIDER FILING DATA (Form 4)"
Form 4 is a official document that company insiders, such as executives or major shareholders, file with regulators whenever they buy or sell company shares. It provides transparency about how those with inside knowledge are trading, helping investors see if insiders are confident in the company's prospects or may be selling for personal reasons. This information can influence investor decisions by revealing insiders' perspectives on the company's value.
derivative financial
"transaction_type": "derivative""
A derivative is a financial contract whose value depends on the price or performance of another asset or measure — for example a stock, index, interest rate, commodity, or currency. Investors use derivatives like insurance or leveraged bets to hedge risk, speculate, or gain exposure without owning the underlying asset; they can protect portfolios but also amplify losses and introduce counterparty and market risk.

AI-generated analysis. How Rhea-AI works. Not financial advice.

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FAQ

What did ZION director Daniel Joseph report in this Form 4?

Daniel Joseph reported receiving 1,921 deferred compensation units linked to Zions Bancorporation common stock. These phantom stock units are a cash-settled compensation award, not an open-market stock purchase or sale, and increase his deferred holdings to 1,921 units.

How many ZION deferred compensation units were granted to Daniel Joseph?

He was granted 1,921 deferred compensation units tied to Zions Bancorporation common stock. Each unit tracks one share’s value, providing cash-settled exposure rather than actual share ownership, and brings his total deferred comp units reported in this filing to 1,921.

At what reference price were Daniel Joseph’s ZION deferred units recorded?

The 1,921 deferred compensation units were recorded at a reference value of $62.02 per underlying share. This price reflects the common stock value used for the grant calculation but does not represent an open-market transaction by the director.

Are Daniel Joseph’s ZION deferred compensation units settled in stock or cash?

The phantom stock units are settled in cash, not actual shares of Zions Bancorporation stock. According to the disclosure, settlement occurs upon the earlier of Daniel Joseph’s death or retirement, aligning the award with long-term service and retirement planning.

When will Daniel Joseph receive payment for his ZION phantom stock units?

Payment for the phantom stock units occurs in cash at the earlier of Daniel Joseph’s death or retirement. Until then, the units track the value of Zions Bancorporation common stock, functioning as a long-term, deferred compensation arrangement rather than immediate income.
SEC Form 4
FORM 4UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

STATEMENT OF CHANGES IN BENEFICIAL OWNERSHIP

Filed pursuant to Section 16(a) of the Securities Exchange Act of 1934
or Section 30(h) of the Investment Company Act of 1940
OMB APPROVAL
OMB Number:3235-0287
Estimated average burden
hours per response:0.5
Check this box if no longer subject to Section 16. Form 4 or Form 5 obligations may continue. See Instruction 1(b).
Check this box to indicate that a transaction was made pursuant to a contract, instruction or written plan for the purchase or sale of equity securities of the issuer that is intended to satisfy the affirmative defense conditions of Rule 10b5-1(c). See Instruction 10.
1. Name and Address of Reporting Person*
Ryan Daniel Joseph

(Last)(First)(Middle)
1 SOUTH MAIN STREET, 11TH FL

(Street)
SALT LAKE CITY UTAH 84133

(City)(State)(Zip)

UNITED STATES

(Country)
2. Issuer Name and Ticker or Trading Symbol
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ [ ZION ]
5. Relationship of Reporting Person(s) to Issuer
(Check all applicable)
XDirector10% Owner
Officer (give title below)Other (specify below)
2a. Foreign Trading Symbol
3. Date of Earliest Transaction (Month/Day/Year)
06/02/2026
6. Individual or Joint/Group Filing (Check Applicable Line)
XForm filed by One Reporting Person
Form filed by More than One Reporting Person
4. If Amendment, Date of Original Filed (Month/Day/Year)

Table I - Non-Derivative Securities Acquired, Disposed of, or Beneficially Owned
1. Title of Security (Instr. 3) 2. Transaction Date (Month/Day/Year)2A. Deemed Execution Date, if any (Month/Day/Year)3. Transaction Code (Instr. 8) 4. Securities Acquired (A) or Disposed Of (D) (Instr. 3, 4 and 5) 5. Amount of Securities Beneficially Owned Following Reported Transaction(s) (Instr. 3 and 4) 6. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 7. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeVAmount(A) or (D)Price
Table II - Derivative Securities Acquired, Disposed of, or Beneficially Owned
(e.g., puts, calls, warrants, options, convertible securities)
1. Title of Derivative Security (Instr. 3) 2. Conversion or Exercise Price of Derivative Security 3. Transaction Date (Month/Day/Year)3A. Deemed Execution Date, if any (Month/Day/Year)4. Transaction Code (Instr. 8) 5. Number of Derivative Securities Acquired (A) or Disposed of (D) (Instr. 3, 4 and 5) 6. Date Exercisable and Expiration Date (Month/Day/Year)7. Title and Amount of Securities Underlying Derivative Security (Instr. 3 and 4) 8. Price of Derivative Security (Instr. 5) 9. Number of derivative Securities Beneficially Owned Following Reported Transaction(s) (Instr. 4) 10. Ownership Form: Direct (D) or Indirect (I) (Instr. 4) 11. Nature of Indirect Beneficial Ownership (Instr. 4)
CodeV(A)(D)Date ExercisableExpiration DateTitleAmount or Number of Shares
Deferred Comp$006/02/2026A1,921 (1) (1)Common Stock1,921$62.021,921D
Explanation of Responses:
1. The phantom stock units are settled in cash upon the earlier of death or retirement
Remarks:
By Rena Miller as attorney in fact06/04/2026
** Signature of Reporting PersonDate
Reminder: Report on a separate line for each class of securities beneficially owned directly or indirectly.
* If the form is filed by more than one reporting person, see Instruction 4 (b)(v).
** Intentional misstatements or omissions of facts constitute Federal Criminal Violations See 18 U.S.C. 1001 and 15 U.S.C. 78ff(a).
Note: File three copies of this Form, one of which must be manually signed. If space is insufficient, see Instruction 6 for procedure.
Persons who respond to the collection of information contained in this form are not required to respond unless the form displays a currently valid OMB Number.
* Form 4: SEC 1474 (03-26)