Verdict: Side-by-side breakdown using the Bull Rankings model. FLG scored 71.0, ZION scored 74.0 — ZION leads.
Compare another set
FLG
Flagstar Bank, National Association
Banks - Regional · Financial strength
39.9Fin
$11.32 · $4.7B
fundamentals as of
Strength gap
36.2
ZION leads
ZION
Zions Bancorporation, National Association
Banks - Regional · Financial strength
76.1Fin
$62.49 · $9.1B
fundamentals as of
At a glance · who leads each dimension, on the model's own rules
Fastest growthZION+8.1%
Side by side · every name on one set of axes
Fundamentals, head-to-head
FLG
ZION
-20.2%F
Rev
+8.1%B
—
P/E
8.0xA-
0.6%C
ROE
16.4%B+
0.62A
P/B
1.20B+
0.3%C
Yield
3.1%B
Winner per row is the stronger grade; where grades tie, the better figure breaks it. A true tie or a missing value shows no highlight.
The companies
FLGFlagstar Bank, National Association
Banks - Regional · $11.32 · beta 1.05
Why now
Banks - Regional · market cap $4.7b. Down 27% from 52-week high of $15.44 — deep drawdown territory. Revenue -20% — in contraction; any catalyst that reverses this triggers re-rating. PEG 0.78 — paying under fair value for the growth rate. 17 sell-side analysts rate this a Buy with a mean 1-yr target of $15.59 (implying +38% upside).
Moat
Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Revenue contracting -20% — the operational turn is not yet visible in the top line. Net margin 2.4% is thin — operating leverage cuts both ways; input-cost inflation or pricing pressure hits the bottom line first. ROE 1% is below the long-run sustainable threshold of ~10% — capital efficiency would need to improve for the equity base to compound at the market rate.
ZIONZions Bancorporation, National Association
Banks - Regional · $62.49 · beta 0.83
Why now
Banks - Regional · market cap $9.1b. 15% off the 52-week high of $73.34. 22 sell-side analysts rate this a Hold with a mean 1-yr target of $73.14 (implying +17% upside).
Moat
Net margin 32% is exceptional — pricing-power territory rare outside premium software, branded staples, and specialty pharma. ROE 16% is above 15% — the equity base is compounding at a rate the market struggles to discount accurately. Financial moat — scale of deposit base / underwriting franchise plus regulatory capital advantages. The largest players compound book value through cycles that erase smaller competitors.
Risk
Regulatory capital risk — stricter capital requirements (CCAR, Basel) can force a dividend cut or a capital raise; the largest banks are most exposed because they're held to the tightest standards.
Verdict — model-derived comparison
Generating verdict… typically 5–10 seconds
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
Common questions
Is ZION or FLG the better stock?
ZION scores higher: ZION 74.0, FLG 71.0 out of 100 on the Bull Rankings quality-growth score, which blends business quality, growth and valuation into one number. A higher score means a stronger business at a more reasonable price — it is not a price target or a recommendation.
How are ZION and FLG scored?
Each carries the same 0–100 quality-growth score used everywhere on the site, built from three pillars — quality (profitability and returns on capital), growth (revenue and earnings), and value (what you pay for them) — combined as a geometric mean, so a weak pillar cannot be papered over by a strong one.
How current is this comparison?
The whole universe is re-scored every trading day after the US market close, so the scores and fundamentals here reflect the latest published edition.