Stock Analysis
Zions Bancorporation N.A.ZION
P/E 7.90×· 5Y range 3.58–13.09×· bottom 23% of history
Sector: Financial Services · Industry: National Commercial Banks
AnalystsHold28 analystsP/E 7.9× sits at the 23rd percentile of its 5.048596851471594-year history.
Cash covers 52% of debt · Q2 2026.
PMP Verdict
Mixed fundamentals, cheap valuation
Strengths
- Profitability70
- Quality65
Risks
- Growth20
- Financial Health48
Mixed business trading cheap — priced for skepticism.
Bull Case
- ✓ROE 15.2% — efficient capital deployment
- ✓Revenue CAGR 13.6% — durable top-line growth
- ✓P/E 7.9× at bottom 23% of 5-year history
What's happening with ZION
Profile
Strong valuation; growth and financial health lag behind.
How is each axis scored?
- Valuation80/100 · Strong
- P/E vs own history (23th pct)20/25
- FCF yield (18.2%)25/25
- P/S (1.8x)25/25
- EV/EBIT (n/a)10/25
- Growth20/100 · Weak
- Revenue CAGR (13.6%)20/25
- Net income CAGR (-5.5%)0/25
- EPS CAGR 5Y (-3.5%)0/25
- Fwd implied growth (-11.6%)0/25
- Profitability70/100 · Moderate
- ROIC (n/a)0/25
- ROE (15.2%)20/25
- Net margin (22.7%)25/25
- Operating margin (33.6%)25/25
- Financial Health48/100 · Weak
- Altman Z (0.15)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 (143%)25/25
- Margin stability (n/a)0/25
- Moat50/100 · Moderate
- ROIC >12% years (n/a)0/25
- Median gross margin (n/a)0/25
- FCF-positive years (10/10 yrs)25/25
- Worst-year net margin (worst 14.7%)25/25
Risk Flags
- ⚠Altman Z 0.2 — distress-zone balance sheet
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 ↗
Price History
Weekly Candlestick Chart — up to 5Y
Key Metrics
Financial snapshot · Tap any metric for its definition and grade
TTM Snapshot
trailing twelve months · YoYValuation
80AP/E (TTM)7.9xA
Grade A: CheapPrice / TTM EPS (own statements) — vs own 5Y history: 3.6x–13.1x · 23rd pct
P/FCF5.2xA
Grade A: CheapPrice / Free Cash Flow per share (Finnhub). Inverse of FCF yield — negative when FCF is negative
FCF Yield18.2%A
Grade A: ValueTTM (OCF − CapEx) / Market Cap — vs own 5Y history: 2.3%–34.6% · 78th pct
P/S (TTM)1.79xA
Grade A: CheapPrice / TTM Revenue (own statements) — vs own 5Y history: 1.0x–4.0x · 59th 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 Ratio1.20xA
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 Yield3.10%A
Grade A: PaysTTM dividend yield (Finnhub) — annual dividends / price. None = no dividend; very high yield can signal distress
Payout Ratio23.2%A
Grade A: SafeDividends / Net Income (Finnhub) — share of earnings paid out; >90% or negative = unsustainable
Profitability
70B+ROIC—
NOPAT (EBIT less ~21% tax) / invested capital (equity + debt − cash). Flagship quality metric — durable >15% signals a moat
ROE15.2%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 Margin22.7%A
Grade A: HighNet Income / Revenue
Operating Margin—
TTM EBIT / TTM Revenue
Gross Margin—
Gross Profit / Revenue
FCF Margin32.5%A
Grade A: HighFCF / Revenue
True FCF Margin31.8%A
Grade A: HighTTM (OCF − CapEx − SBC) / TTM Revenue — SBC treated as a real cost
Growth
20ERevenue 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 Growth-11.6%D
Grade D: Decl.Analyst forward EPS (normalized basis) vs our GAAP TTM EPS — different bases, so extreme values usually mark cyclically depressed TTM earnings, not real growth
Dilution (5Y)-10.7%A
Grade A: BuybacksShare count change over 5Y
SBC / Net Income3.1%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-Score0.15D
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 Repayment1.1yA
Grade A: FastYears to repay net debt via FCF
Net Debt/EBIT—
Leverage. <2x Low, >4x High
Debt/Equity0.48xA
Grade A: LowDebt / Equity: <1 Conservative, >2 Risky. Not meaningful with non-positive equity; shown as unavailable rather than low debt.
Cash / Debt0.52xC
Grade C: PartialCash 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 Conversion143.5%A
Grade A: StrongFCF / Net Income
Margin Stability—
EBIT margin std deviation. Lower = stable
Capex / Revenue2.3%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
Insider Transactions
SEC Form 4 · 8 recordsP/S codes are the directional signal; grants, option exercises and tax withholding carry none. Form 4 doesn't flag 10b5-1 plans — scheduled sales may appear within open-market sells.
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
Lee Vivian S Filed | Lee Vivian S | Grant / award | +399 | |
Huang Claire A Filed | Huang Claire A | Grant / award | +439 | |
QUINN STEPHEN D Filed | QUINN STEPHEN D | Grant / award | +774 | |
Skonnard Aaron Filed | Skonnard Aaron | Grant / award | +538 | |
SIMMONS HARRIS H Filed | SIMMONS HARRIS H | Gift | +30.2K |
Show 3 more filingsShow fewer filings
| Trade date | Insider | Transaction | Shares | Filed |
|---|---|---|---|---|
SIMMONS HARRIS H Filed | SIMMONS HARRIS H | Gift | -30242 | |
MCLEAN SCOTT J Filed | MCLEAN SCOTT J | Option exercise | -14465 | |
MCLEAN SCOTT J Filed | MCLEAN SCOTT J | Option exercise | -1891 |
Option exercise (M) rows report a derivative leg, not an open-market sale — a paired negative entry is the option position being consumed.
More metrics — Moat, Per Share, Balance Sheet, MarketHide additional metrics
Moat
50CROIC >12% Years—
Share of completed fiscal years with ROIC > 12% — measures multi-year capital-return durability
Gross Margin (Med.)—
Median annual gross margin across available fiscal years — pricing-power durability
FCF-Positive Years10/10 yrsA
Grade A: DurableShare of completed fiscal years with positive free cash flow
Net Margin Floor14.7%A
Grade A: DurableWeakest annual net margin across completed fiscal years — recession/downcycle resilience
Per Share
EPS (TTM)$8.02
Own TTM net income / shares — same earnings basis as P/E
Cash / Share$4.73
Cash & short-term investments per share (Finnhub)
Book Value / Share$52.65
Shareholders' equity per share (Finnhub). Negative = accumulated losses / heavy buybacks
Balance Sheet
Total Debt$3.70B
Total debt obligations (short + long term)
Cash & Equiv.$1.92B
Cash and short-term investments
Net Debt$1.78B
Total Debt minus Cash. Negative = Net Cash position
Total Equity$7.68B
Shareholders' equity (book value)
Asset / Liability—
Total Assets / Total Liabilities
Market
Market Cap$9.25B
Current Market Capitalization
Beta0.87B
Grade B: MarketPrice sensitivity vs the market (Finnhub) — 1.0 moves with market, >1.2 amplifies swings
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 Jun 2026 · Ratio snapshot Oct 17, 2026
Key Insights: Zions Bancorporation N.A. (ZION)
ZION is up 0.57% at the last close. Piotroski F-Score of 5/9 indicates mixed fundamentals for Zions Bancorporation N.A.. Altman Z-Score of 0.15 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 33% of revenue into free cash flow — strong cash generation.
- Takes ~1.1 years to repay net debt from free cash flow.
- At a valuation score of 80/100, ZION trades near the cheapest end of its own historical range (P/E 7.9).
- The stock currently yields 3.1% in dividends.
See how ZION ranks on the Capex Tracker — top 50 capital spenders compared.
Recent Market Moves
See all ZION moves →| Date | Session | Price | Move | Z-Score |
|---|---|---|---|---|
| Oct 15 | Regular | 63.02 | +2.01% | 2.49 |
| Oct 15 | After-hours | 63.01 | +1.99% | 2.48 |
Frequently Asked Questions about ZION
What is the current Zions Bancorporation N.A. (ZION) stock price?
ZION is trading at $63.37 at the last market close, up 0.57% 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 7.9 and our valuation score rates it 80/100 (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 $63.37, up 0.57% on the day with a market capitalization of $9.3 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 6 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.