ZION
NEUTRAL
$62.63
Live
Zions Bancorporation, National Association · NASDAQ
Target $67.9
(+8.4%)
$43.64
52W Range
$66.18
At a glance
Key valuation, profitability, growth, and risk metrics.
Updated Apr 24, 2026
Market cap
$9.21B
P/E
9.73
ROE
14.1%
Profit margin
28.4%
Debt/Equity
N/A
Dividend yield
2.87%
AI Analysis
AI-powered fundamental assessment
Confidence
80%
ZION presents a stark contrast between deep valuation discounts and deteriorating fundamental health, highlighted by a weak Piotroski F-Score of 2/9. While the stock trades significantly below its Graham Number ($83.55) and Intrinsic Value ($189.98), the low health score and bearish insider sentiment suggest underlying operational risks. Strong year-over-year earnings growth of 38.10% provides a bullish catalyst, but this is offset by a high PEG ratio of 4.29 and a very bearish technical trend. The overall outlook is neutral as the valuation margin of safety battles fundamental fragility.
Key Strengths
Significant undervaluation relative to Graham Number ($83.55) and Intrinsic Value ($189.98)
Strong YoY earnings growth of 38.10%
Low P/E ratio (9.73) compared to broader financial sector averages
Sustainable dividend payout ratio of 27.64%
Consistent track record of beating quarterly earnings estimates (3/4 last 4 quarters)
Key Risks
Critical fundamental weakness indicated by a Piotroski F-Score of 2/9
Bearish insider activity with multiple officer sales and zero buys
Very weak technical trend (10/100) suggesting strong downward momentum
High PEG ratio (4.29) suggesting growth may be overpriced or unsustainable
Regional bank sector volatility and sensitivity to interest rate environments
AI Fair Value Estimate
Based on comprehensive analysis
$78.5
+25.3% above current price
Performance Snowflake
Multi-dimensional analysis across 5 key categories
Overall
62
Strong
88
62
75
22
65
AI Verdict
Undervalued but Fundamentally Fragile
Key drivers: Deep value gap, Poor Piotroski health score, Strong earnings growth, Bearish insider/technical signals
Confidence
85%
Value
88/100
Ref P/E, PEG, Graham Number
Positives
- Price $62.63 is well below Graham Number $83.55
- Low P/E of 9.73
Watchpoints
- High PEG ratio of 4.29
Future
62/100
Ref Growth rates
Positives
- 38.10% YoY Earnings Growth
- 10.20% Revenue Growth
Watchpoints
- Recent Q/Q EPS growth decline of -6.1%
Past
75/100
Ref Historical trends
Positives
- Strong 1Y change of +46.0%
- Consistent earnings surprises
Watchpoints
- Historical volatility in quarterly EPS
Health
22/100
Ref Altman Z-Score, Piotroski F-Score
Positives
- Positive ROE of 14.12%
Watchpoints
- Piotroski F-Score of 2/9 indicates weak financial health
Dividend
65/100
Ref Yield, Payout
Positives
- Low payout ratio (27.64%) ensures sustainability
Watchpoints
- Modest yield of 2.87%
Stock Price & Analyst Targets
Real-time price movements and analyst price targets
Current Price
$62.63
Analyst Target
$67.9
Upside/Downside
+8.4%
Multi-Horizon Performance vs Peers
Price momentum across 5Y → 1W horizons for ZION and closest competitors.
Updated 2026-04-23
| Company | 5Y | 3Y | 1Y | 6M | 1M | 1W |
|---|---|---|---|---|---|---|
|
ZION
Zions Bancorporation, National Association
Primary
|
+36.1% | +149.2% | +46.0% | +23.1% | +11.4% | +1.8% |
|
FRHC
Freedom Holdings Corp.
Peer
|
+190.3% | +116.4% | +16.4% | -11.5% | +13.8% | -0.3% |
|
ONB
Old National Bancorp
Peer
|
+48.8% | +92.4% | +27.0% | +16.4% | +10.3% | +1.4% |
|
AMG
Affiliated Managers Group, Inc.
Peer
|
+181.7% | +94.2% | +71.8% | +48.2% | +9.8% | -1.9% |
|
UMBF
UMB Financial Corporation
Peer
|
+47.3% | +122.5% | +38.1% | +10.8% | +10.7% | +2.0% |
ZIO
Zions Bancorporation, National Association
Primary
5Y
+36.1%
3Y
+149.2%
1Y
+46.0%
6M
+23.1%
1M
+11.4%
1W
+1.8%
FRH
Freedom Holdings Corp.
Peer
5Y
+190.3%
3Y
+116.4%
1Y
+16.4%
6M
-11.5%
1M
+13.8%
1W
-0.3%
ONB
Old National Bancorp
Peer
5Y
+48.8%
3Y
+92.4%
1Y
+27.0%
6M
+16.4%
1M
+10.3%
1W
+1.4%
AMG
Affiliated Managers Group, Inc.
Peer
5Y
+181.7%
3Y
+94.2%
1Y
+71.8%
6M
+48.2%
1M
+9.8%
1W
-1.9%
UMB
UMB Financial Corporation
Peer
5Y
+47.3%
3Y
+122.5%
1Y
+38.1%
6M
+10.8%
1M
+10.7%
1W
+2.0%
Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.
Historical Performance Trends
Long-term financial metrics and growth patterns
Revenue & Net Income
Profit & Operating Margins
Return on Equity (ROE)
Quarterly Revenue Growth
Historical data shows last 12 quarters (3 years)
Valuation Metrics
Key valuation ratios and pricing indicators
P/E Ratio
9.73
Forward P/E
9.4
PEG Ratio
4.29
P/B Ratio
1.3
P/S Ratio
2.72
EV/Revenue
2.39
EV/EBITDA
N/A
Market Cap
$9.21B
Profitability
Profit margins and return metrics
Profit Margin
28.36%
Operating Margin
36.1%
Gross Margin
N/A
ROE
14.12%
ROA
1.09%
Growth
Revenue and earnings growth rates
Revenue Growth
+10.2%
Earnings Growth
+38.1%
Q/Q Revenue Growth
+8.66%
Q/Q Earnings Growth
+37.1%
Financial Health
Balance sheet strength and liquidity metrics
Debt/Equity
N/A
Current Ratio
N/A
Quick Ratio
N/A
Cash/Share
$23.89
Quarterly Earnings History
EPS performance vs analyst estimates
2026-07-20
$N/A
2026-04-20
$1.54
+8.0% surprise
2026-01-20
$1.64
+4.5% surprise
2025-10-20
$1.48
+6.1% surprise
Financial Services Sector Comparison
Comparing ZION against 612 companies in the Financial Services sector
(113 bullish, 251 neutral, 248 bearish)
P/E Ratio
9.73
This Stock
vs
40.43
Sector Avg
-75.9%
(Discount)
Return on Equity (ROE)
14.12%
This Stock
vs
-1.21%
Sector Avg
-1264.5%
(Below Avg)
Profit Margin
28.36%
This Stock
vs
49.39%
Sector Avg
-42.6%
(Weaker)
Revenue Growth
10.2%
This Stock
vs
38.97%
Sector Avg
-73.8%
(Slower)
Similar Companies
Peer comparison within the same industry
| Company | AI Rating | Market Cap | P/E | ROE | Profit Margin | Price | |
|---|---|---|---|---|---|---|---|
|
ZION
Zions Bancorporation,...
|
NEUTRAL | $9.21B | 9.73 | 14.1% | 28.4% | $62.63 | |
|
FRHC
Freedom Holdings Corp.
|
BEARISH | $9.25B | 7557.5 | 0.2% | 0.2% | $151.15 | Compare |
|
ONB
Old National Bancorp
|
BULLISH | $9.26B | 13.58 | 9.0% | 29.1% | $23.77 | Compare |
|
AMG
Affiliated Managers Group, Inc.
|
BULLISH | $9.09B | 19.73 | 16.2% | 26.0% | $319.82 | Compare |
|
UMBF
UMB Financial Corporation
|
BULLISH | $9.37B | 13.37 | 12.6% | 28.1% | $123.04 | Compare |
ZION
Zions...
NEUTRAL
Mkt Cap
$9.2B
P/E
9.7
ROE
14.1%
Price
$62.63
Recent Insider Trading
Insider buy and sell transactions from the last 6 months
| Date | Insider | Position | Transaction | Shares | Value |
|---|---|---|---|---|---|
| 2026-02-24 | SIMMONS HARRIS H | Chief Executive Officer | Purchase | 4,500 | $265,635 |
| 2026-02-20 | ARBUCKLE JASON D | Officer | Gift | 214 | - |
| 2026-02-20 | ARBUCKLE JASON D | Officer | Sale | 190 | $11,736 |
| 2026-02-18 | SMITH JENNIFER ANNE | Officer | Sale | 2,089 | $130,521 |
| 2026-02-18 | SMITH JENNIFER ANNE | Officer | Option Exercise | 2,089 | $110,508 |
| 2026-02-12 | MCLEAN SCOTT J | President | Stock Award | 15,973 | $961,415 |
| 2026-02-12 | STEPHENS STEVEN DAN | Officer | Stock Award | 6,440 | $387,624 |
| 2026-02-12 | LAW SCOTT A. | Officer | Stock Award | 3,921 | $236,005 |
| 2026-02-12 | ELLINGSEN ERIC | Officer | Stock Award | 6,503 | $391,416 |
| 2026-02-12 | STEWARD DEREK | Officer | Stock Award | 4,278 | $257,493 |
| 2026-02-12 | KYRIAKAKIS CHRISTOPHER | Officer | Stock Award | 10,917 | $657,094 |
| 2026-02-12 | MILLER RENA A | General Counsel | Stock Award | 3,837 | $230,949 |
| 2026-02-12 | ARBUCKLE JASON D | Officer | Stock Award | 2,242 | $134,946 |
| 2026-02-12 | SMITH JENNIFER ANNE | Officer | Stock Award | 5,805 | $349,403 |
| 2026-02-12 | RICHARDS ROBERT RYAN | Officer | Stock Award | 8,213 | $494,340 |
SIMMONS HARRIS H
Chief Executive Officer
2026-02-24
4,500 shares
·
$265,635
ARBUCKLE JASON D
Officer
2026-02-20
214 shares
ARBUCKLE JASON D
Officer
2026-02-20
190 shares
·
$11,736
SMITH JENNIFER ANNE
Officer
2026-02-18
2,089 shares
·
$130,521
SMITH JENNIFER ANNE
Officer
2026-02-18
2,089 shares
·
$110,508
MCLEAN SCOTT J
President
2026-02-12
15,973 shares
·
$961,415
STEPHENS STEVEN DAN
Officer
2026-02-12
6,440 shares
·
$387,624
LAW SCOTT A.
Officer
2026-02-12
3,921 shares
·
$236,005
ELLINGSEN ERIC
Officer
2026-02-12
6,503 shares
·
$391,416
STEWARD DEREK
Officer
2026-02-12
4,278 shares
·
$257,493
KYRIAKAKIS CHRISTOPHER
Officer
2026-02-12
10,917 shares
·
$657,094
MILLER RENA A
General Counsel
2026-02-12
3,837 shares
·
$230,949
ARBUCKLE JASON D
Officer
2026-02-12
2,242 shares
·
$134,946
SMITH JENNIFER ANNE
Officer
2026-02-12
5,805 shares
·
$349,403
RICHARDS ROBERT RYAN
Officer
2026-02-12
8,213 shares
·
$494,340
Insider transactions can signal confidence or concerns about company prospects
SEC Filings
Recent regulatory filings from the SEC EDGAR database
8-K
DEF 14A
10-K
Zions Bancorporation filed its 10-K on February 24, 2026, including sections on business operations, risk factors, and management's discussion and analysis. Due to the absence of specific excerpt text, detailed financial highlights and specific risk exposures cannot be determined from the provided information.
8-K
10-Q
8-K
10-Q
Data sourced from SEC EDGAR. AI summaries generated automatically.
Wall Street Analysts
Professional analyst ratings and price targets
Consensus
BUY
20 analysts
Citigroup
2026-04-22
Neutral
Neutral
Barclays
2026-04-22
Underweight
Underweight
DA Davidson
2026-04-22
Buy
Buy
JP Morgan
2026-04-21
Neutral
Neutral
TD Cowen
2026-04-21
Hold
Hold
RBC Capital
2026-04-21
Sector Perform
Sector Perform
Truist Securities
2026-04-21
Hold
Hold
Baird
2026-04-21
Outperform
Outperform
Evercore ISI Group
2026-04-06
In-Line
In-Line
Piper Sandler
2026-04-02
Neutral
Neutral
Past News Coverage
Recent headlines mentioning ZION from our newsroom.
Newest → oldest
No matching news yet.