Is ZION a good stock to buy right now?

Based on our 6-factor quantitative model, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) receives a "Reduce" rating with a composite score of 41.6/100. It is ranked #2,366 out of 4,446 stocks. Key factor scores: Quality 40/100, Value 31/100, Momentum 50/100. The timing signal is "Neutral". This is quantitative analysis only — not investment advice.

What is the stock rating for ZION?

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) has a "Reduce" rating and 2-star score. The composite score of 41.6 ranks it #2,366 among 4,446 U.S. stocks. Ratings are updated weekly using academically-proven factor models.

What sector is ZION in?

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ operates in the Financials sector (Banking industry) with a market cap of $8.57 billion. It is classified as a mid-cap stock.

Does ZION pay a dividend?

Yes, ZION pays a dividend with a current yield of 3.10%. The Financials sector average yield is 2.48%. For every $1,000 invested, you would receive approximately $31.00 in annual dividend income.

What is ZION's P/E ratio?

ZION has a trailing P/E ratio of 10.22x. The Financials sector average is 14.9x. This below-average P/E may indicate the stock is undervalued.

How profitable is ZION?

ZION's quality factor score is 40/100. Gross margin: 0.0%. ROE: 12.4% vs sector average 8.5%. Margins are moderate to low, reflecting competitive market dynamics.

How is ZION valued compared to peers?

ZION's value factor score is 31/100 (higher = cheaper). Key multiples: P/E 10.2x, EV/EBITDA 6.6x. Trading at a premium relative to peers.

What is ZION's debt level?

ZION's debt-to-equity ratio is 1190%. Sector average: 121%. Elevated leverage increases credit risk.

ZION has a beta of 1.20, meaning it amplifies market moves. Stability score: 67/100.

Does ZION have high short interest?

ZION's short interest factor score is 20/100 (higher = less short selling). Elevated short interest may indicate bearish sentiment or short squeeze potential.

ZION Stock Analysis: Top Mid-Cap Reduce (Score 41.6/100) | Blank Capital Research

Data Series	1D	5D	1M	YTD	1Y	3Y	5Y	10Y
ZION	-1.17%	+5.02%	+10.16%	+4.29%	+43.75%	-	-	-
Industry Proxy XLF	-1.09%	+2.50%	+1.42%	-7.30%	+10.59%	-	-	-
U.S. Market SPY	-0.07%	+3.60%	+0.34%	-0.36%	+29.52%	-	-	-
Alpha vs Market	-1.10%	+1.42%	+9.82%	+4.65%	+14.22%	-	-	-
Alpha vs Sector	-0.07%	+2.52%	+8.74%	+11.59%	+33.16%	-	-	-

Metric	ZION	Benchmark
P/E Ratio	10.2x	-31%
EV/EBITDA	6.6x	+102%
Price / Book	1.3x

Stock Entity	Score▼	Quality	Value	Momentum	P/E Ratio	ROE	Gross Margin	Net Margin	Rev Growth	D/E Ratio	Market Cap	Compare
WTM WHITE MOUNTAINS INSURANCE GROUP LTD	63	80	79	54	8.9x	10.1%	96.3%	20.1%	1.6%	14.0x	$5.4B	VS
OPY OPPENHEIMER HOLDINGS INC	63	68	79	63	10.4x	9.9%	0.0%	6.5%	37.5%	273.0x	$959M	VS
ACT Enact Holdings, Inc.	62	81	76	52	8.7x	12.7%	88.5%	55.0%	4.2%	14.0x	$5.7B	VS
IGIC International General Insurance Holdings Ltd.	61	74	93	50	8.6x	82.6%	59.9%	25.1%	-	0.0x	$1.1B	VS
PKBK PARKE BANCORP, INC.	60	60	77	65	9.8x	10.5%	-	24.8%	20.9%	593.0x	$335M	VS
SSSS SURO CAPITAL CORP.	60	89	33	65	4.7x	30.9%	0.0%	-752.0%	-48.3%	34.0x	$290M	VS
CB Chubb Ltd	59	67	71	52	12.8x	12.5%	0.0%	16.6%	15.6%	20.0x	$128.0B	VS
RRBI RED RIVER BANCSHARES INC	59	59	69	68	15.0x	11.0%	0.0%	27.5%	13.3%	818.0x	$607M	VS
UFCS UNITED FIRE GROUP INC	59	64	78	58	9.8x	10.6%	100.0%	7.3%	17.5%	308.0x	$936M	VS
SPFI SOUTH PLAINS FINANCIAL, INC.	58	59	73	55	12.8x	11.0%	0.0%	21.7%	9.0%	807.0x	$690M	VS
ZION ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/	42	40	31	50	10.2x	12.4%	0.0%	103.0%	-84.8%	1,190.0x	$8.6B

Key Ratio	TTM	2025	2024	2023	2022	2021	2020	2019	2018	2017	2016
Gross Margin %	0.0%	-	-	-	-	-	0.8%	0.8%	0.8%	0.8%	0.8%
Operating Margin %	0.0%	-	-	-	-	-	0.2%	0.2%	0.2%	0.2%	0.2%
EBITDA Margin %	0.2%	-	-	-	-	-	0.3%	0.4%	0.5%	0.4%	0.3%
Net Margin %	1.0%	1.4%	1.2%	1.1%	1.5%	2.0%	0.2%	0.3%	0.3%	0.2%	0.2%
FCF Margin %	-74.4%	-	-	-	-	-	19.6%	20.5%	37.6%	29.1%	16.8%
ROE %	0.1%	0.0%	0.1%	0.1%	0.2%	0.2%	0.1%	0.1%	0.1%	0.1%	0.1%
ROA %	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%
ROIC %	2.0%	0.0%	0.0%	0.0%	0.0%	0.0%	5.2%	5.3%	5.7%	5.7%	5.5%

Key Ratio

TTM

2025

2024

2023

2022

2021

2020

2019

2018

2017

2016

Gross Margin %

0.0%

0.8%

Operating Margin %

0.0%

0.2%

EBITDA Margin %

0.2%

0.3%

0.4%

0.5%

0.4%

0.3%

Net Margin %

1.0%

1.4%

1.2%

1.1%

1.5%

2.0%

0.2%

0.3%

0.2%

FCF Margin %

-74.4%

19.6%

20.5%

37.6%

29.1%

16.8%

ROE %

0.1%

0.0%

0.1%

0.2%

0.1%

ROA %

0.0%

ROIC %

2.0%

0.0%

5.2%

5.3%

5.7%

5.5%

Line Item	TTM	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015
	$1.6B	$639M	$620M	$614M	$575M	$2.8B	$2.8B	$2.8B	$2.6B	$2.4B	$2.1B
	—	—	—	—	—	$2.2B	$2.3B	$2.2B	$2.1B	$1.9B	$1.7B
Gross Margin	0.0%	---	---	---	---	79.4%	80.2%	80.2%	79.1%	78.3%	82.0%
	—	$124M	$140M	$110M	-$14M	$86M	$188M	$193M	$179M	$123M	$151M
	$189M	—	—	—	—	$574M	$562M	$552M	$544M	$516M	$377M
EBIT	$189M	—	—	—	—	$574M	$562M	$552M	$544M	$516M	$377M
EBITDA	$315M	—	—	—	—	$758M	$1.2B	$1.3B	$1.1B	$828M	$537M
Operating Margin	0.0%	---	---	---	---	20.6%	19.8%	19.8%	20.9%	21.7%	18.0%
EBITDA Margin	19.8%	---	---	---	---	27.2%	43.9%	48.0%	42.7%	34.7%	25.7%
	—	$323M	$1.5B	$185M	$59M	$152M	$411M	$251M	$127M	$87M	$118M
	—	$639M	$620M	$614M	$575M	—	—	—	—	—	—
Income Tax Expense	—	$228M	$206M	$245M	$317M	$133M	$237M	$259M	$344M	$236M	$142M
	$850M	$784M	$680M	$907M	$1.1B	$539M	$816M	$884M	$592M	$469M	$309M
Net Margin	103.0%	122.7%	109.7%	147.7%	196.3%	19.3%	28.8%	31.8%	22.7%	19.7%	14.9%
	$1.48	$4.95	$4.35	$5.80	$6.80	$3.06	$4.41	$4.36	$2.71	$2.00	$1.20
Diluted EPS	$1.48	$4.95	$4.35	$5.79	$6.79	$3.06	$4.41	$4.36	$2.71	$2.00	$1.20
Weighted Avg Basic	—	147M	148M	150M	160M	—	—	—	—	—	—
Weighted Avg Diluted	—	147M	148M	150M	160M	—	—	—	—	—	—

Line Item

TTM

2024

2023

2022

2021

2020

2019

2018

2017

2016

2015

$1.6B

$639M

$620M

$614M

$575M

$2.8B

$2.6B

$2.4B

$2.1B

—

$2.2B

$2.3B

$2.2B

$2.1B

$1.9B

$1.7B

Gross Margin

0.0%

---

79.4%

80.2%

79.1%

78.3%

82.0%

—

$124M

$140M

$110M

-$14M

$86M

$188M

$193M

$179M

$123M

$151M

$189M

—

$574M

$562M

$552M

$544M

$516M

$377M

EBIT

$189M

—

$574M

$562M

$552M

$544M

$516M

$377M

EBITDA

$315M

—

$758M

$1.2B

$1.3B

$1.1B

$828M

$537M

Operating Margin

0.0%

---

20.6%

19.8%

20.9%

21.7%

18.0%

EBITDA Margin

19.8%

---

27.2%

43.9%

48.0%

42.7%

34.7%

25.7%

—

$323M

$1.5B

$185M

$59M

$152M

$411M

$251M

$127M

$87M

$118M

—

$639M

$620M

$614M

$575M

—

Income Tax Expense

—

$228M

$206M

$245M

$317M

$133M

$237M

$259M

$344M

$236M

$142M

$850M

$784M

$680M

$907M

$1.1B

$539M

$816M

$884M

$592M

$469M

$309M

Net Margin

103.0%

122.7%

109.7%

147.7%

196.3%

19.3%

28.8%

31.8%

22.7%

19.7%

14.9%

$1.48

$4.95

$4.35

$5.80

$6.80

$3.06

$4.41

$4.36

$2.71

$2.00

$1.20

Diluted EPS

$1.48

$4.95

$4.35

$5.79

$6.79

$3.06

$4.41

$4.36

$2.71

$2.00

$1.20

Weighted Avg Basic

—

147M

148M

150M

160M

—

Weighted Avg Diluted

—

147M

148M

150M

160M

—

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) Stock Analysis — April 2026 Rating, Price, and Forecast

Last updated: April 2026

Company Overview — What Does ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ Do?

Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah. ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) is classified as a mid-cap stock in the Financials sector, specifically within the Banking industry. The company is led by CEO Harris H. Simmons and employs approximately 9,990 people, headquartered in Salt Lake City, Utah. With a market capitalization of $8.6B, ZION is one of the notable companies in the Financials sector.

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) Stock Rating — Reduce (April 2026)

As of April 2026, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ receives a Reduce rating with a composite score of 41.6/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.ZION ranks #2,366 out of 4,446 stocks in our coverage universe. Within the Financials sector, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ ranks #641 of 891 stocks, placing it in the lower half of its Financials peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

ZION Stock Price and 52-Week Range

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) currently trades at $62.10. The stock gained $0.33 (0.5%) in the most recent trading session. The 52-week high for ZION is $66.17, which means the stock is currently trading -6.2% from its annual peak. The 52-week low is $39.32, putting the stock 57.9% above its annual trough. Recent trading volume was 1.2M shares, reflecting moderate market activity.

Is ZION Overvalued or Undervalued? — Valuation Analysis

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) carries a value factor score of 31/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The trailing price-to-earnings ratio is 10.22x, compared to the Financials sector average of 14.88x — a discount of 31%. The price-to-book ratio stands at 1.27x, versus the sector average of 1.22x. The price-to-sales ratio is 5.47x, compared to 0.90x for the average Financials stock. On an enterprise value basis, ZION trades at 6.57x EV/EBITDA, versus 3.26x for the sector.

At current multiples, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ trades at a premium to most Financials peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ Profitability — ROE, Margins, and Quality Score

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) earns a quality factor score of 40/100, signaling below-average profitability metrics relative to the broader market. The return on equity (ROE) is 12.4%, compared to the Financials sector average of 8.5%, which is within a healthy range. Return on assets (ROA) comes in at 1.0% versus the sector average of 1.2%.

On a margin basis, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reports gross margins of 0.0%. The operating margin is 0.0% (sector: 21.8%). Net profit margin stands at 103.0%, versus 17.7% for the average Financials stock. Revenue growth is running at -84.8% on a trailing basis, compared to 9.4% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

ZION Debt, Balance Sheet, and Financial Health

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ has a debt-to-equity ratio of 1190.0%, compared to the Financials sector average of 121.0%. This elevated leverage warrants close monitoring, as it increases the company's sensitivity to rising interest rates and economic downturns. The current ratio is 1.08x, suggesting adequate working capital coverage. Total debt on the balance sheet is $1.47B. Cash and equivalents stand at $771M.

ZION has a beta of 1.20, meaning it is more volatile than the broader market — a $10,000 investment in ZION would be expected to move 20.3% more than the S&P 500 on any given day. The stability factor score for ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ is 67/100, reflecting average volatility within the normal range for its sector.

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ Revenue and Earnings History — Quarterly Trend

In TTM 2026, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported revenue of $1.59B and earnings per share (EPS) of $1.48. Net income for the quarter was $850M. Gross margin was 0.0%. Operating income came in at $189M.

In Q3 2025, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported revenue of $163M and earnings per share (EPS) of $1.48. Net income for the quarter was $222M. Revenue grew -85.2% year-over-year compared to Q3 2024.

In Q2 2025, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported revenue of $164M and earnings per share (EPS) of $1.63. Net income for the quarter was $244M. Revenue grew -84.7% year-over-year compared to Q2 2024.

In Q1 2025, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ reported revenue of $158M and earnings per share (EPS) of $1.13. Net income for the quarter was $170M. Revenue grew -78.7% year-over-year compared to Q1 2024.

Over the past 8 quarters, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ has demonstrated a growth trajectory, with revenue expanding from $742M to $1.59B. Investors analyzing ZION stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

ZION Dividend Yield and Income Analysis

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) currently pays a dividend yield of 3.1%. At this yield, a $10,000 investment in ZION stock would generate approximately $$310.00 in annual dividend income. This compares to the Financials sector average dividend yield of 2.5%, meaning ZION offers above-average income for its sector. With a net margin of 103.0%, the dividend appears well-covered by earnings, suggesting sustainable payouts going forward.

ZION Momentum and Technical Analysis Profile

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) has a momentum factor score of 50/100, reflecting neutral trend characteristics. The stock is neither significantly outperforming nor underperforming the broader market on a momentum basis. The investment factor score is 40/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 20/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

ZION vs Competitors — Financials Sector Ranking and Peer Comparison

Within the Financials sector, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) ranks #641 out of 891 stocks based on the Blank Capital composite score. This places ZION in the lower half of all Financials stocks in our coverage universe. Key competitors and sector peers include WHITE MOUNTAINS INSURANCE GROUP LTD (WTM) with a score of 62.9/100, OPPENHEIMER HOLDINGS INC (OPY) with a score of 62.6/100, Enact Holdings, Inc. (ACT) with a score of 61.6/100, International General Insurance Holdings Ltd. (IGIC) with a score of 61.3/100, and PARKE BANCORP, INC. (PKBK) with a score of 60.4/100.

Comparing ZION against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full ZION vs S&P 500 (SPY) comparison to assess how ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ stacks up against the broader market across all factor dimensions.

ZION Next Earnings Date

No upcoming earnings date has been announced for ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy ZION? — Investment Thesis Summary

The quantitative profile for ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ suggests caution. The value score of 31/100 indicates premium valuation. Low volatility (stability score 67/100) reduces downside risk.

In summary, ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) earns a Reduce rating with a composite score of 41.6/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on ZION stock.

Related Resources for ZION Investors

Explore more research and tools: ZION vs S&P 500 comparison, top Financials stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare ZION head-to-head with peers: ZION vs WTM, ZION vs OPY, ZION vs ACT.

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ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) Stock Analysis — April 2026 Rating, Price, and Forecast

Company Overview — What Does ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ Do?

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ (ZION) Stock Rating — Reduce (April 2026)

ZION Stock Price and 52-Week Range

Is ZION Overvalued or Undervalued? — Valuation Analysis

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ Profitability — ROE, Margins, and Quality Score

ZION Debt, Balance Sheet, and Financial Health

ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/ Revenue and Earnings History — Quarterly Trend

ZION Dividend Yield and Income Analysis

ZION Momentum and Technical Analysis Profile

ZION vs Competitors — Financials Sector Ranking and Peer Comparison

ZION Next Earnings Date

Should You Buy ZION? — Investment Thesis Summary

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JURO Taxas dos DIs voltam a cair em sesso positiva para ativos brasileiros

JURO Taxas despencam aps cessar-fogo e apagam probabilidade de manuteno da Selic em 14,75%

JURO Taxas dos DIs sobem com averso ao risco antes de fim do prazo para acordo entre Ir e EUA

JURO Taxas curtas sobem em dia de ajustes e longas caem com guerra no Ir no foco

Here's Why Zions (ZION) is a Strong Value Stock