ZION

Zions Bancorporation, National Association

Fundamental data last updated:August 19, 2026

We may earn a commission from partner links. This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate.

company profile

SECTOR

Financial Services

industry

Banks - Regional

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. 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.

 


Analyze ZION on TradingView

VALUATION

P/E

9.53

Market Cap ($M USD)

$9.18B

Forward P/E

8.59

PEG

0.78

PRICE TO SALES

1.86

PRICE TO BOOK

1.26

EV / EBITDA

7.09

5-Year Average P/E

Free Cash Flow Yield

12.72%

DCF Value

$77.02

Graham Number

$85.52

Price to FCF

7.86

EV to FCF

7.81

Earnings Yield

10.49%

FCF Yield

12.72%

DIVIDEND

Yield

2.88%

Annual Payout

$1.80

Payout Ratio

27.96%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$6.55

Next Year EPS Growth Estimate

$7.26

Next Year Revenue Growth Estimate

$3.85B

Return on Equity (ROE)

13.77%

FREE CASH FLOW

Operating Margin

24.96%

Debt-to-Equity

0.61

Piotroski F-Score

7

Altman Z-Score

-0.47

Return on Invested Capital (ROIC)

11.53%

Current Ratio

0.28

Quick Ratio

0.28

Net Debt to EBITDA

-0.04

Interest Coverage

0.83

Gross Profit margin

68.87%

FCF PER SHARE

$7.95

REVENUE PER SHARE

$33.54

Analyze ZION on TradingView

Gainseekers Quantitative Analysis

Summary

Zions Bancorporation appears undervalued when juxtaposed with its DCF Value and Graham Number, suggesting a potential mispricing by the market. The Forward P/E of 8.60 and a robust Earnings Yield of 10.47% indicate an attractive entry point for value investors. However, the Altman Z-score of -0.47 raises red flags about financial distress, hinting at underlying vulnerabilities. Despite these concerns, the stock’s pricing below intrinsic value metrics may offer a compelling opportunity for those willing to navigate its risks. Recent pricing also indicated it was extended above its 50-Day SMA, suggesting some technical overextension.

AI Exposure / Tech Reliance

As a regional bank, Zions Bancorporation faces challenges in rapidly integrating AI and tech innovations compared to fintech disruptors. However, its established customer base and regional focus provide a buffer against immediate tech upheavals. The bank's ability to adapt will hinge on strategic tech partnerships and investments.

The Bull Case

For the discerning GARP investor, Zions offers a compelling narrative of efficiency and potential growth. With a solid ROIC of 11.53% and a Piotroski F-Score of 7, the company demonstrates strong operational health and capital allocation. The Free Cash Flow Yield of 12.70% underscores its ability to generate cash, while an operating margin of 24.96% highlights its pricing power. These metrics paint a picture of a bank that can effectively manage its resources and capitalize on market opportunities.

The Bear Case

Despite its strengths, Zions is not without significant risks. The Altman Z-score suggests financial instability, and a Current Ratio of 0.28 indicates liquidity concerns. Trading near its 52-week high, the stock might be technically overextended, posing a risk of correction. Additionally, the Price/Book ratio of 1.26, while not exorbitant, suggests limited margin for error if growth expectations falter.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Hold

Average Analyst Price Target

$68.55

Institutional Ownership %

1-Year Beta

0.82

Insider Buying % (6 Mo)

Distance to 52-Week High

6.04%

Distance to 52-Week Low

26.15%

EARNINGS SURPRISE %

9.09%

50-DAY SMA

$60.37

200-DAY SMA

$57.59

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.