Bull Rankings model

Zions Bancorporation, National Association (ZION) stock analysis

Banks - Regional. Scored on the same transparent model behind the daily rankings.

★
ZION
Zions Bancorporation, National Association · Banks - Regional
76.1Financial strength
$62.49Oct 9 close$9.1B
1Y Target$73.14Analyst consensus · 22 analysts
5Y Target$92.33Compound horizon
10Y Target$118.41Long-dated conviction
Rev+8.1%
B
Revenue +8.1% — at or above S&P median
P/E8.0x
A-
P/E 8.0 — cheaper than most Financial Services peers (≈25th pctile)
ROE16.4%
B+
ROE 16.4% — above long-run market (~13%)
P/B1.20
B+
P/B 1.20 — reasonable for a quality bank
Yield3.1%
B
Yield 3.1% — modest income

Targets: 1-year is analyst consensus where covered, 5- and 10-year are model estimates; the DCF is a cross-check, not a target. Methodology

Financial strength · 76.1 / 100
Profitability79.2
Value (P/B)77.1
Income69.1

A peer-relative read for financials on profitability (ROE), valuation, and covered income — the quality-growth (FCF/ROIC) screen doesn't apply to balance-sheet businesses. Not comparable to the 0–100 quality-growth score shown on other stocks.

Entry · Margin of safety
52-week rangeMid-range
15% off the 12-month high

Model-generatedFrom reported fundamentals, checked against the figures above · Editorial standards

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.
Horizon
1-3 yr $73.14 (22-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $92.33 at ~8% CAGR — dividend compounding plus earnings growth. 10 yr $118.41 if the moat survives secular pressure.

Not enough history yet — the model records ZION's score after each daily run, and the chart appears once a few days have accumulated.

ZION at a glance

FINANCIAL STRENGTH · BANKPROFITABILITY79VALUE77COVERED INCOME6976.1/100 on our peer scale — not the quality-growth score.
ONE-YEAR MOVE VS ITS BETAFLATThis stock+20%Trailing one-year price change. Price history is not an inputto the Bull Rankings score.
PRICE IN ITS 52-WEEK RANGE$62.5LOW $46.2HIGH $73.3Trading at the 60th percentile of its 52-week range ($46.2–$73.3).

Same audited fundamentals as the score, unless a card says otherwise.

Analyst estimate revisions

30-day change+0.3%
90-day change-0.2%
Forward EPS estimate$6.82

Over the last 90 days, what analysts expect ZION to earn is essentially unchanged. The estimate is derived from price and forward P/E captured at the same instant, so a moving share price does not move this number — only a changed forecast does.

Estimates move both ways and are not part of the Bull Rankings score. Biggest movers →

Shares to buy
32
Position size
$2,000
4.0% of portfolio
Stop price
$46.87
25% below $62.49
$ at risk if stopped
$499.92
budget $500.00 · 1% of portfolio

Math only: excludes commissions, slippage and gap risk. Inputs stay in your browser.

Zions Bancorporation, National Association (ZION): score, valuation & FAQ

Zions Bancorporation, National Association (ZION) is a Banks - Regional company. As a bank, insurer or REIT it runs on a different financial model from the rest of the market, so Bull Rankings grades it on a sector-appropriate card — price-to-book, dividend yield, payout ratio and cash-flow coverage — rather than the 0–100 quality-growth score used elsewhere. The read below is a transparent screen, not a buy recommendation.

Its strongest graded signals are P/E (A-), ROE (B+) and P/B (B+).

Is ZION a good stock to buy?

Bull Rankings grades ZION on a sector-appropriate card — price-to-book, dividend yield, payout and cash-flow coverage — rather than a single quality-growth score. That is driven by P/E (A-), ROE (B+) and P/B (B+). A score is a quantitative screen of Zions Bancorporation, National Association's fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.

How does Bull Rankings grade ZION?

As a bank, insurer or REIT, ZION isn't given a quality-growth score — signals like free cash flow, debt-to-equity and P/E don't translate cleanly to a balance-sheet business. Instead it's graded on a sector-appropriate card: price-to-book, dividend yield, payout ratio and operating-cash-flow coverage, where it rates strongest on P/E (A-), ROE (B+) and P/B (B+).

Is ZION overvalued or undervalued?

We don't publish a discounted-cash-flow value for ZION, and not because the business is unprofitable. For a lender, insurer or property trust, "free cash flow" measures balance-sheet growth rather than owner earnings — loan originations and repayments run through operating cash flow — so discounting it would produce a confident-looking number with nothing behind it. ZION is judged on book value, return on equity and income cover instead, which is what the financial-strength card shows.

What are the main risks of investing in ZION?

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.

New to these metrics? See the guides and the methodology.

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