ZION Stock Risk & Deep Value Analysis
Zions Bancorporation NA
Financial Services • Banks - Regional
DVR Score
out of 10
What You Need to Know About ZION Stock
We analyzed Zions Bancorporation NA using our deep value framework. Sign in to see our full verdict and DVR Score.
We ran ZION through our deep value framework — analyzing financial health, distress signals, competitive moat, and risk factors. Our risk assessment: Moderate. Here's what we found.
ZION Risk Analysis & Red Flags
Risk Matrix
Overall
Moderate
Financial
Low
Market
Medium
Competitive
Medium
Execution
Medium
Regulatory
High
Upcoming Risk Events
- 📅
Unexpected downturn in regional economies impacting loan quality
- 📅
Significant fluctuations in interest rates affecting Net Interest Income
- 📅
Increased competitive pressure from larger banks or fintechs
- 📅
Regulatory changes increasing compliance costs or capital requirements
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What Does Zions Bancorporation NA (ZION) Do?
Market Cap
$8.25B
Sector
Financial Services
Industry
Banks - Regional
Employees
9,286
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, 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, 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.
Visit Zions Bancorporation NA WebsiteInvestment Thesis
Zions Bancorporation represents a value opportunity in the regional banking sector, trading below its fair value with solid earnings growth and a strategic acquisition to diversify and grow fee income. Shareholder-friendly capital allocation via buybacks and dividends, combined with a strong regional footprint, offers a stable investment with potential for modest capital appreciation and income, though not 10x growth potential.
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ZION Price Targets & Strategy
12-Month Target
$63.58
Bull Case
$75.00
Bear Case
$50.00
Valuation Basis
Based on analyst median price target and a modest multiple expansion from current 9.30x P/E.
Entry Strategy
Consider dollar-cost averaging between $52-$55, targeting dips towards recent support levels.
Exit Strategy
Take profit at $63.58 (median target) and partial profit at $75 (Morgan Stanley target). Stop loss at $48 to protect capital.
Portfolio Allocation
2-4% for moderate risk tolerance, given its regional bank stability and dividend yield.
Price Targets & Strategy
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Is ZION Financially Healthy?
Valuation
P/E Ratio
9.30
Forward P/E
9.07
Profitability
Gross Margin
100.00%
Net Margin
26.68%
EPS
$6.01
Balance Sheet
Current Ratio
0.86
Quick Ratio
0.85
Debt/Equity
0.67
Other
Beta (Volatility)
0.83
Dividend Yield
3.30%
Does ZION Have a Competitive Moat?
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🛡️ Narrow
Moat Trend
Stable to slightly Expanding
Moat Sources
3 Identified
Zions benefits from established customer relationships, regulatory barriers to entry, and a broad regional footprint which creates switching costs and efficient scale. Its brand and operational efficiency contribute to this narrow moat, which is somewhat durable in the regional banking sector.
Moat Erosion Risks
- •Disruption from agile fintech startups offering specialized services
- •Aggressive expansion by larger national banks into regional markets
- •Increased rate volatility impacting Net Interest Margin management
- •Cybersecurity threats and data breaches eroding customer trust
ZION Competitive Moat Analysis
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ZION Market Intelligence
Sentiment & Insider Activity
Social Sentiment
Neutral (no specific data provided, typical for regional banks)
Institutional Sentiment
Neutral to Positive. Consensus is 'Hold' but Morgan Stanley upgraded to 'Overweight' with a $75 target, and institutional ownership is high at 76.84%.
Insider Activity (Form 4)
CEO Harris H. Simmons purchased 4,500 shares. President Scott J. Mclean sold 28,980 shares on February 2, 2026. A VP sold 1,519 shares. Total insider sales were $3.50 million in the last 90 days, largely outweighing CEO purchase in value.
Options Flow
Normal options activity (no specific data provided)
Earnings Intelligence
Next Earnings
2026-04-20
Surprise Probability
Medium
Historical Earnings Pattern
Q4 2025 results led to a +4.2% stock price reaction, suggesting positive market response to solid earnings.
Key Metrics to Watch
Competitive Position
Top Competitor
No specific 'best-in-class' competitor identified in the provided research, but ZION underperformed the 'US Banks industry' benchmark.
Market Share Trend
Stable in its core regional markets with efforts to expand in specific niches (e.g., multifamily lending) to counteract general industry underperformance.
Valuation vs Peers
Trading at a P/E of 9.30, which is below its historical average for regional banks, suggesting a potential discount to fair value and peers.
Competitive Advantages
- •Established regional presence across 11 Western states
- •Diversified customer base and loan portfolio
- •Expanding capabilities in agency multifamily lending through acquisition
- •Strong brand recognition and client relationships (Coalition Greenwich awards)
Market Intelligence
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What Could Drive ZION Stock Higher?
Near-Term (0-6 months)
- •Q1 2026 Earnings Report (Expected April 20, 2026)
- •Basis Multifamily Finance acquisition closing and integration (announced March 23, 2026)
- •Continued share buybacks as authorized for Q1 2026
Medium-Term (6-18 months)
- •Successful integration and ramp-up of Basis Multifamily Finance operations
- •Organic loan growth and deposit accumulation in Western states
- •Potential improvements in Net Interest Margin from interest rate environment
Long-Term (18+ months)
- •Expansion of regional market share through strategic acquisitions
- •Continued diversification of revenue streams beyond traditional lending
- •Leveraging technology for operational efficiency and customer experience
Catalysts & Growth Drivers
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What's the Bull Case for ZION?
- ✓
Acceleration in Net Interest Income growth
- ✓
Successful integration and revenue contribution from Basis acquisition
- ✓
Improvement in overall market share trend vs. industry
- ✓
Changes in credit quality metrics or non-performing assets
Bull Case Analysis
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Competing with ZION
See how Zions Bancorporation NA compares to related companies
| Company | Market Cap | DVR Score | P/E | Revenue | Profit Margin | Rev Growth | |
|---|---|---|---|---|---|---|---|
Zions Bancorporation NA ZION | $8.3B | 0.5 | 9.3 | $3.4B | 26.7% | 0.0% | |
Bank of America Corp BAC | $352.6B | 0.1 | 12.9 | $113.1B | 16.2% | 12.3% | Compare → |
JPMorgan Chase & Co. JPM | — | 1.5 | — | — | — | — | Compare → |
Mastercard Inc MA | — | 0.8 | — | — | — | — | Compare → |
Visa Inc V | $585.4B | 1.4 | 28.8 | $10.9B | 50.2% | 14.6% | Compare → |
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FAQ
What is the DVR Score for Zions Bancorporation NA (ZION)?
As of March 24, 2026, Zions Bancorporation NA has a DVR Score of 0.5 out of 10, placing it in the "Distressed" category. This score is generated by our AI-powered deep value analysis framework that evaluates growth potential, financial health, competitive moat, and risk factors.
What is the market capitalization of Zions Bancorporation NA?
Zions Bancorporation NA's market capitalization is approximately $8.3B. The company operates in the Financial Services sector within the Banks - Regional industry.
What ticker symbol does Zions Bancorporation NA use?
ZION is the ticker symbol for Zions Bancorporation NA. The company trades on the NMS.
What is the risk level for ZION stock?
Our analysis rates Zions Bancorporation NA's overall risk as Moderate. This assessment considers execution risk, market risk, financial risk, competitive risk, and regulatory risk. For a full breakdown, see the risk analysis section above.
What is the P/E ratio of ZION?
Zions Bancorporation NA currently has a price-to-earnings (P/E) ratio of 9.3. This is below the market average, which could indicate the stock is undervalued or facing headwinds.
Does Zions Bancorporation NA pay a dividend?
Yes, Zions Bancorporation NA pays a dividend with a current yield of approximately 3.30%.
Is Zions Bancorporation NA's revenue growing?
Zions Bancorporation NA has reported revenue growth of 0.0%. Revenue has been declining, which warrants closer examination.
Is ZION stock profitable?
Zions Bancorporation NA has a profit margin of 26.7%. This indicates strong profitability.
How often is the ZION DVR analysis updated?
Our AI-powered analysis of Zions Bancorporation NA is refreshed regularly to incorporate the latest financial data, market conditions, and news. The most recent update was on March 24, 2026.
Important Disclaimer – Not Financial Advice
Deep Value Reports is an independent research platform for educational and informational purposes only. We are not financial advisors, investment advisors, or licensed professionals. The analysis, scores, and information provided on this page for ZION (Zions Bancorporation NA) should not be construed as personalized investment advice, a recommendation to buy or sell any security, or an offer to provide investment advisory services.
All investments involve risk, including the potential loss of principal. Past performance does not guarantee future results. Always conduct your own research, consider your financial situation, and consult with a qualified financial advisor before making any investment decisions.