Zions Bancorporation N.A. (ZION) Stock Analysis
P/E 9.66×· 5Y range 3.58–13.09×· 66th percentile of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsHold28 analystsStrengths
- ✓Revenue CAGR 13.6% — durable top-line growth
Risks
- ⚠Altman Z 0.2 — distress-zone balance sheet
What's happening with ZION
Price History
5-Year Weekly Candlestick Chart
Profile
growth and financial health lag behind.
How is each axis scored?
- Valuation65/100 · Moderate
- P/E vs own history (66th pct)5/25
- FCF yield (13.0%)25/25
- P/S (1.9x)25/25
- EV/EBIT (n/a)10/25
- Growth32/100 · Weak
- Revenue CAGR (13.6%)20/25
- Net income CAGR (-5.5%)0/25
- EPS CAGR 5Y (-3.5%)0/25
- Fwd implied growth (8.1%)12/25
- Profitability57/100 · Moderate
- ROIC (n/a)0/25
- ROE (13.2%)12/25
- Net margin (19.5%)20/25
- Operating margin (36.5%)25/25
- Financial Health48/100 · Weak
- Altman Z (0.20)3/25
- Current ratio (n/a)0/25
- Interest coverage (no interest expense)25/25
- Net cash / debt (D/A 2%)20/25
- Quality65/100 · Moderate
- Piotroski F (5/9)15/25
- Beneish M (-2.68)25/25
- FCF conversion (125%)25/25
- Margin stability (n/a)0/25
About Zions Bancorporation N.A.
Zions Bancorp is a US regional bank with around $90 billion in total assets as of June 30, 2026. Show more
Headquartered in Salt Lake City, Utah, Zions' branch network is in the Western and Southwestern United States and includes seven affiliate banks in these markets. The bank has a heavy focus on small and midsize commercial banking.
Headquarters: SALT LAKE CITY, UT · Employees: 9,195 · Website ↗
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
Valuation
65BP/E (TTM)9.7xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.6x–13.1x · 66th pct
P/FCF5.6xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield13.0%A
Grade A: ValueTTM FCF / Market Cap — vs own 5Y history: 2.3%–34.6% · 69th pct
P/S (TTM)1.87xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.0x–4.0x · 64th pct
EV/EBITDA—
Enterprise value / EBITDA (Finnhub) — capital-structure neutral
EV/Sales—
Enterprise Value / TTM Revenue (Finnhub) — capital-structure neutral sales multiple
Forward P/E8.9xA
Grade A: CheapPrice / next-year EPS estimate — shows whether the TTM multiple is rich or just front-loading growth
P/B Ratio1.26xA
Grade A: FairPrice to Book Value. Neg. equity = heavy buybacks
PEG Ratio1.25B
Grade B: FairFinnhub PEG — their P/E basis ÷ expected EPS growth. Suppressed when their P/E diverges >2× from our TTM P/E (different basis)
Dividend Yield2.89%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio29.7%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
57CROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE13.2%C
Grade C: AverageReturn on Equity. Neg. equity = heavy buybacks
ROA1.3%D
Grade D: WeakReturn on Assets (Finnhub) — Net Income / Total Assets; how efficiently assets produce profit
Net Margin19.5%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin24.3%A
Grade A: HighFCF / Revenue
True FCF Margin23.6%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
32DRevenue CAGR13.6%C
Grade C: OkCompound annual revenue growth (up to 5Y depending on data availability)
Net Income CAGR-5.5%D
Grade D: LowCompound annual net income growth (up to 5Y depending on data availability)
EPS CAGR (5Y)-3.5%D
Grade D: LowCompound annual EPS growth over up to 5Y of per-share earnings (own statements). Null when either endpoint EPS ≤ 0
Implied EPS Growth8.1%B
Grade B: LowImplied 1Y EPS growth from forward P/E vs our TTM EPS. Sparse — only where forward estimates exist
Dilution (5Y)-10.3%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income3.7%A
Grade A: LowStock-based comp/Net income. >30% = dilution risk
SBC / Revenue0.7%A
Grade A: LowTTM stock-based comp / TTM Revenue
Financial Health
48D+Altman Z-Score0.20D
Grade D: DistressBankruptcy risk. >3 Safe, <1.8 Distress
Current Ratio—
Current Assets/Liabilities
Quick Ratio—
(Current Assets − Inventory) / Current Liabilities (Finnhub) — stricter liquidity test, excludes inventory
Interest Coverage—
EBIT/Interest. >10 Strong
Debt Repayment1.6yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.27xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt—
Cash covers how much of total debt. >1 = could repay all debt from cash
Quality
65BPiotroski F-Score5/9C
Grade C: AverageFinancial strength 0–9. >7 Strong
Beneish M-Score-2.68A
Grade A: SafeEarnings manipulation risk. < -2.22 Safe
FCF Conversion124.5%A
Grade A: StrongFCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue2.4%A
Grade A: Asset-lightTTM CapEx / TTM Revenue — high % = capital-hungry business
Asset Turnover—
Revenue / Total Assets (Finnhub) — how efficiently the asset base generates sales
More metrics — Per Share, Balance Sheet, MarketHide additional metrics
Per Share
EPS (TTM)$6.54
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$4.42
Cash & short-term investments per share (Finnhub)
Book Value / Share$48.63
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$1.96B
Total debt obligations (short + long term)
Cash & Equiv.—
Cash and short-term investments
Net Debt—
Total Debt minus Cash. Negative = Net Cash position
Total Equity$7.30B
Shareholders' equity (book value)
Asset / Liability1.09xC
Grade C: AdequateTotal Assets / Total Liabilities
Market
Market Cap$9.22B
Current Market Capitalization
Beta0.86B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
Takeaway
Takes ~1.6 years to repay net debt from free cash flow. · Current P/E of 9.8x sits at the 69th percentile of its historical range.
How grades work: each metric is graded A–D against fixed thresholds (tap a row for the meaning). Card grades map the pillar score to A+–E — a card grade is that pillar's own score, not an average of the rows shown.
Financials as of Mar 2026 · Ratio snapshot Sep 28, 2026
Key Insights: Zions Bancorporation N.A. (ZION)
Piotroski F-Score of 5/9 indicates mixed fundamentals for Zions Bancorporation N.A.. Altman Z-Score of 0.20 is below the 1.81 distress threshold — an elevated financial-risk flag. Beneish M-Score of -2.68 suggests a low likelihood of earnings manipulation.
- Zions Bancorporation N.A. converts about 24% of revenue into free cash flow — strong cash generation.
- Takes ~1.6 years to repay net debt from free cash flow.
- The stock currently yields 2.9% in dividends.
Insider Transactions
Recent SEC Form 4 filings · 8 records
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
SIMMONS HARRIS H Filed | SIMMONS HARRIS H | BuyGift | +30.2K | |
SIMMONS HARRIS H Filed | SIMMONS HARRIS H | SellGift | -30242 | |
MCLEAN SCOTT J Filed | MCLEAN SCOTT J | SellOption exercise | -14465 | |
MCLEAN SCOTT J Filed | MCLEAN SCOTT J | SellOption exercise | -1891 | |
MCLEAN SCOTT J Filed | MCLEAN SCOTT J | SellOption exercise | -18820 |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
MCLEAN SCOTT J Filed | MCLEAN SCOTT J | SellOption exercise | -2055 | |
MCLEAN SCOTT J Filed | MCLEAN SCOTT J | SellOpen market sale | -14465 | |
MCLEAN SCOTT J Filed | MCLEAN SCOTT J | BuyOption exercise | +14.5K |
See how ZION ranks on the Capex Tracker — top 50 capital spenders compared.
No significant market moves for ZION in the last 30 days.
See ZION move history →Frequently Asked Questions about ZION
What is the current Zions Bancorporation N.A. (ZION) stock price?
ZION is trading at $63.19 in after-hours trading, up 0.00% on the session. PreMarketPrice tracks ZION pre-market, intraday and after-hours prices.
Is ZION stock a buy right now?
PreMarketPrice's quantitative model rates Zions Bancorporation N.A.'s financial health at 48/100. This is a data-driven snapshot of fundamentals, not investment advice.
Is ZION stock overvalued?
Zions Bancorporation N.A. trades at a trailing P/E of 9.7 and our valuation score rates it 65/100 (higher = cheaper vs. its own history). See the Valuation History and Key Metrics sections for forward P/E, EV/EBITDA and PEG context.
When does Zions Bancorporation N.A. report earnings?
No confirmed earnings date is currently scheduled for ZION. The Earnings section lists recent reports and updates as dates are announced.
What sector does Zions Bancorporation N.A. operate in?
Zions Bancorporation N.A. operates in the Financial Services sector, within the National Commercial Banks industry. The Related Stocks section lists sector peers for comparison.
What does Zions Bancorporation N.A. do?
Zions Bancorp is a US regional bank with around $90 billion in total assets as of June 30, 2026.
About Zions Bancorporation N.A. (ZION) Stock
Zions Bancorporation N.A. (ZION) is a US-listed stock operating in the Financial Services sector, specifically the National Commercial Banks industry. As of the latest update, Zions Bancorporation N.A. is trading at $63.19, up 0.00% on the day with a market capitalization of $9.2 billion. The financial health score for ZION is 48/100, which indicates moderate financial strength based on profitability, leverage, liquidity, and growth metrics. This page provides real-time pre-market pricing, earnings calendar, financial health analysis, and valuation metrics for ZION stock.
ZION Stock Analysis & Key Metrics
On PreMarketPrice, you can track Zions Bancorporation N.A. (ZION) across multiple dimensions:
- Pre-market price & movement: Real-time ZION stock price with percentage change, updated continuously during pre-market and regular trading hours.
- Valuation & P/E history: Historical P/E, P/S, and P/B ratios for ZION with trend analysis and normalized valuation multiples.
- Financial statements: Revenue, net income, assets, liabilities, and equity for Zions Bancorporation N.A. across multiple reporting periods.
- Financial health score: A composite score of 48/100 based on Altman Z-Score, Piotroski F-Score, profitability, and leverage metrics for ZION.
- Sector peers: Compare ZION against 10 other financial services stocks on key financial metrics.
Is ZION a Good Stock to Buy?
This page provides data-driven analysis to help you evaluate Zions Bancorporation N.A. (ZION) as an investment. The financial health score of 48/100 suggests moderate financial fundamentals. Valuation metrics show whether the stock is trading above or below its historical average.However, this is not financial advice — always do your own research before investing.
Data on this page is sourced from real-time market feeds, Polygon.io, and Finnhub.Zions Bancorporation N.A. (ZION) trades on NYSE. Pre-market trading occurs 4:00 AM – 9:30 AM ET. Regular market hours are 9:30 AM – 4:00 PM ET.