ZION Stock Analysis
NMS · Financial Services · Banks - Regional
$63.83
+1.01 (+1.61%)
ZION Interactive Price Chart & Trading Signals
ZION Stock Snapshot — Valuation, Risk & Technical Signals
ZION Key Fundamentals, Analyst Targets & Company Profile
Key Financial Ratios
Market Cap
$9.32B
P/E Ratio
8.13
Forward P/E
9.33
PEG Ratio
3.45
P/B Ratio
1.22
EPS
$7.85
Dividend Yield
3.01%
52W Range
$46.19 – $73.34
Beta
0.77
Volume
1.2M
ROE
16.4%
Profit Margin
31.8%
Revenue Growth
35.2%
Gross Margin
—
EV/EBITDA
—
Analyst Target
$74.77
The trailing price-to-earnings ratio stands at 8.1x. Forward P/E of 9.3x indicates stable forward expectations. Price-to-book is 1.22x. Market capitalization is $9.32B. Revenue is growing at 35.2% on a trailing basis. Earnings are expanding at 87.1%. Profit margins are 31.8%. Return on equity is 16.4%. Beta of 0.77 indicates defensive profile.
Analyst Consensus
Recommendation
Hold
Low Target
$68.00
Mean Target
$74.77
High Target
$84.00
Based on 22 analysts
About 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.
ZION Deep Dive Analysis
Bottom Line
Verdict
OvervaluedBest for
Growth-oriented investorsWatch out for
Premium valuationNon-zero inputs
4/5Counts non-zero values for price, P/E, beta, macro risk, and revenue growth; zero may mean unavailable or be a genuine zero.
Zions Bancorporation, National Association (ZION) trades above our multi-model fair value estimate of $54.03 by approximately 15.4%. Trailing P/E: 8.1x. Profitability signals include profit margin of 31.8% and return on equity of 16.4%. Recent growth metrics show revenue growth of 35.2% and earnings growth of 87.1%. Risk profile: defensive beta of 0.77. Consensus: hold.
Valuation, Growth & Risk
Valuation
Overvalued
P/E 8.1x
Price is above what fundamentals suggest.
Growth
Expanding
Rev 35.2%
Revenue is outpacing the market.
Risk
Low
Beta 0.77
Movement is likely to track the broader market.
Valuation Snapshot
Zions Bancorporation, National Association (ZION) trades above our multi-model fair value estimate of $54.03 by approximately 15.4%. The trailing price-to-earnings ratio stands at 8.1x. Forward P/E of 9.3x implies earnings expansion expected. Price-to-sales is 2.5x. Price-to-book is 1.2x. Market capitalization is $9.32B.
Why it matters: Paying a premium works only if the company keeps growing faster than expected.
Growth & Profitability
Revenue is growing at 35.2% on a trailing basis. Earnings are expanding at 87.1%. Profit margins are 31.8%. Return on equity is 16.4%. Return on assets is 1.3%.
Why it matters: Growing revenue with healthy margins usually means the business is gaining market share or pricing power.
Risk Profile
Beta of 0.77 indicates defensive profile. Net debt position is $-36000256.00.
Why it matters: Lower risk means steadier returns, but often with less upside in bull markets.
Analyst Context
Analyst consensus target of $74.77 implies 17.1% upside. Target range spans $68.00 to $84.00. 22 analysts cover the stock. Consensus recommendation: hold.
Why it matters: Analyst targets reflect what professionals expect over 12 months. A wide gap between price and target can mean the market disagrees with the consensus.
Investor Fit
Premium valuation is supported by above-average growth, potentially fitting growth-oriented strategies. Free cash flow yield of 10.2% is attractive for cash-flow-focused investors.
Takeaway: Match the stock's risk-reward profile with your own goals and time horizon. No single metric tells the whole story.
Data Methodology & Sources
Market Data (Facts)
- Price, volume, and market cap: Yahoo Finance (may be delayed)
- P/E, EPS, revenue, and debt: Yahoo Finance fundamentals
- Analyst estimates: Yahoo Finance (coverage and update times vary)
- Insider transactions: Yahoo Finance (reporting may be delayed)
QuantSoar Model (Derived)
- Fair value: available outputs from seven models; outliers are filtered using MAD (k=3.5), then combined with fixed model weights.
- Margin of Safety = (Fair Value − Displayed Price) / Displayed Price × 100
- Composite Score: 40% Value + 30% Momentum + 30% Risk
- Verdict Gauge: Base 50 + Valuation (up to ±25) + Whale sentiment (up to ±10) + Insider buying (+5) + Macro risk (up to ±10) + Technical signal (up to ±10). Analyst consensus is separate.
Model outputs are estimates based on available data and are not investment advice. Cross-check with primary sources before making investment decisions.
ZION Overvalued
Zions Bancorporation, National Association (ZION) trades above our multi-model fair value estimate of $54.03 by approximately 15.4%.
Frequently Asked Questions
ValuationIs ZION stock overvalued right now?
ValuationWhat is ZION fair value based on current fundamentals?
RiskHow risky is ZION compared with other stocks?
GrowthIs ZION still growing?
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DividendDoes ZION pay a dividend?
CatalystWhat could change the investment case for ZION?
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About the Author
Phasakorn Traklang (Peach) — Founder
Phasakorn Traklang (Peach) is the founder of QuantSoar, bringing expertise in SEO, web development, and technical analytics to build an AI-powered investment platform accessible to retail investors worldwide.
Connect on LinkedInInvestment Disclaimer: Tax treatment can depend on tax residence, account type, and tax year. This information is general and is not personal tax or investment advice. SEC
Data: Yahoo Finance / SEC EDGAR / Alpha Vantage / Finnhub. AI outputs verified against source data.