Zions Bancorporation ZION
United StatesFinancial Services · Banks - RegionalUSD
73.27 USD (+18.3%)
22 analysts
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Zions Bancorporation is a U.S. regional bank offering commercial and consumer banking services, wealth management, and investment banking, primarily in the western United States.
Key points
from its scores- ✓Strong growth9.6
- ✓High-quality business9.4
- ✓Attractive valuation7.9
- !Balance sheet could be stronger5.8
AI analysis
bottom line, main risk, context and newsThe combination of low valuation, high quality, and strong growth makes it attractive, but regulatory risk and rate sensitivity warrant caution.
Zions shows solid financial health (ROE 16.40%, ROA 1.32%) and exceptional quality (operating margin 52.12%), with an attractive valuation (P/E 7.89, P/B adjusted 0.72) and notable growth (revenue +35.2%, earnings +87.1%), although the rising rate environment and regulatory oversight are factors to watch.
The main risk is exposure to a rising interest rate environment that, while expanding margins, could also raise funding costs and strain credit quality if the economy slows.
Context and risks
Zions operates in a U.S. regional banking sector under active regulatory oversight, with capital requirements and stress tests that may affect its capital distribution capacity. The country's moderate governance risk reflects a demanding regulatory environment, although no specific litigation or investigations materially affecting the company are identified.
Is Zions Bancorporation stock cheap or expensive?
at the analysis dateOn P/E and Price / book, it trades 39% below the Financial Services median on average.
| Multiple | Company | Sector | Difference |
|---|---|---|---|
| P/E | 7.9 | 13.7 | −42% |
| Price / book | 1.2 | 1.9 | −36% |
| Price / sales | 2.5 | 3.5 | −29% |
Sector: median of the 351 Financial Services companies analysed. In bold, the multiples used for the comparison.
Valuation score: 7.9 out of 10 (median for Financial Services: 5.2).
Average analyst target: 73.27 USD, +18.3% versus the price.
A discount may reflect more risk or slower growth than its sector: Financial health 5.8 (sector 5.5), Growth 9.6 (sector 6.9).
Classic formulas with standard assumptions (0.0% growth, 8-9% discount rate). Indicative only: they change a lot with the assumptions and are not a recommendation.
Work out its fair value yourself →How much would you have made investing every month? →
Comparing it with its sector does not say whether it is a good buy: this is not investment advice.
Score by category
0 to 10 · hover overtap each one to see what it measuresKey metrics
at the analysis date · compared with the Financial Services medianValuation
- P/E
- 7.9
- Forward P/E
- 9.1
- Price / book
- 1.2
- Price / sales
- 2.5
- PEG
- 3.41
- Market cap
- 9.0B USD
- Enterprise value
- 9.1B USD
Profitability
- ROE
- 16.4%
- ROA
- 1.3%
- ROIC (approx.)
- 17.0%
- Gross margin
- 0.0%
- Operating margin
- 52.1%
- Net margin
- 31.8%
Solvency
- Total debt
- 3.7B USD
- Net debt
- −36.0M USD
- Cash
- 3.7B USD
Growth
- Revenue growth
- +35.2%
- Earnings growth
- +87.1%
- EPS (TTM)
- 7.85 USD
- EPS (forward)
- 6.82 USD
Dividend
- Dividend yield
- 3.1%
- Payout
- 22.9%
Risk and market
- Beta
- 0.83
- Analyst consensus
- Hold (22)
- Target price
- 73.27 USD
- 52-week range
- 46.19 – 73.34
Recent news
All ZION news →Compare it with its sector
All 351 in Financial Services →Frequently asked questions about Zions Bancorporation
Is Zions Bancorporation stock cheap or expensive?
On P/E and Price / book, it trades 39% below the Financial Services median on average. Valuation score: 7.9 out of 10 (median for Financial Services: 5.2). Average analyst target: 73.27 USD, +18.3% versus the price. This is not investment advice.
What score does Zions Bancorporation get on MeridIAn Screener?
It scores 7.5 out of 10, rank 60 of 2,130 (better than 97% of the companies analysed). Its strongest category is Growth (9.6) and its weakest, Financial health (5.8). Analysis of 08/10/2026.
What is Zions Bancorporation's P/E ratio?
Its P/E is 7.9: the share price equals 7.9 times earnings per share over the last 12 months. The Financial Services median is 13.7. Based on the earnings analysts expect, the forward P/E is 9.1.
How much is Zions Bancorporation worth on the stock market?
Its market capitalisation is 9.0B USD.
Does Zions Bancorporation pay a dividend?
Yes: its dividend yield is 3.10% and it pays out 23% of its earnings.
How has Zions Bancorporation stock performed over the last year?
It has risen 21.9% over the last year, excluding dividends. Over the last 52 weeks it has traded between 46.19 and 73.34 USD. Past performance does not guarantee future results.
What do analysts think of Zions Bancorporation?
22 analysts cover it; their average recommendation is “Hold” and their average target is 73.27 USD (+18.3% versus the price). It is an estimate, not market data.