ZION$59.51
$59.0
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AI ZION Summary
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Powered by LiveAIOverall Analysis
BuyZions Bancorporation exhibits a stable fundamental profile with a reasonable valuation and consistent dividend. While recent performance has been mixed, the company's solid operational foundation and regional focus present a compelling investment case for income-oriented investors, though broader market technicals suggest a cautious approach.
Thematic
Zions Bancorporation operates within the regional banking sector, which is influenced by broader economic trends and interest rate policies. Its focus on specific geographic regions offers localized growth opportunities but also exposes it to regional economic downturns. The increasing adoption of digital banking services is a positive trend, but the company faces competition from larger national banks and fintech firms.
Fundamental
Zions Bancorporation demonstrates strong profitability with a solid net profit margin and a healthy debt-to-equity ratio. The company has a consistent dividend yield, indicating financial stability and a commitment to returning value to shareholders. Its revenue and net income have shown resilience.
Technical
The stock is trading below its key moving averages, indicating a bearish short-to-medium term trend. While it shows some oversold conditions on shorter timeframes, the overall technical picture suggests a need for caution and confirmation of a trend reversal.
| Factor | Score |
|---|---|
| Digital Transformation in Banking | 70 |
| Interest Rate Sensitivity | 60 |
| Regional Economic Exposure | 75 |
| Regulatory Environment for Banks | 65 |
| Economic Growth in Operating Regions | 65 |
| Factor | Score |
|---|---|
| Valuation | 80 |
| Profitability | 90 |
| Growth | 60 |
| Balance Sheet Health | 85 |
| Cash Flow | 85 |
| Dividends | 85 |
| Factor | Score |
|---|---|
| Trend Analysis | 30 |
| Trend Analysis | 35 |
| Momentum | 50 |
| Support & Resistance | 60 |
| Volume Confirmation | 70 |
| Short-term Performance | 40 |
AI Investing Checklist
Powered by LiveAIBullish Points (7)
Attractive Valuation Metrics
The trailing P/E ratio of 10.07 is significantly lower than the industry average, suggesting potential undervaluation. The Price/Sales (PS) ratio of 3.4 is also competitive.
Positive Earnings Surprises
The company has demonstrated a consistent trend of beating earnings per share (EPS) estimates in recent quarters, with a notable 17.7% surprise in Q3 2024 and 17.19% in Q4 2024.
Bearish Points (8)
Consistent Downtrend Signals
Most short-term and long-term moving averages (e.g., 1m, 5m, 1d EMAs and SMAs) are indicating 'Sell' signals, suggesting a prevailing bearish trend.
High Quarterly P/E Ratio
The quarterly P/E ratio (e.g., 42.9 in Q1 2025) appears high, potentially indicating that the stock is overvalued on a short-term earnings basis.
Calendar
May 2025
15
Ex-Dividend Date
May 2025
22
Next Dividend Date
October 2025
21
Next Earnings Date
H: $1.52
A: $1.44
L: $1.36
H: 860.00M
A: 840.63M
L: 831.00M
Profile
Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington segments. It offers commercial and small business banking services to small- and medium-sized businesses, such as commercial, industrial, and owner-occupied lending and leasing; municipal and public finance services; depository account and cash management services; commercial and small business cards; merchant processing services; corporate trust services; and correspondent banking and international lending services. The company also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, advisory and capital raising, commercial mortgage-backed security conduit lending, and power and project financing; and commercial real estate lending services consisting of term and construction/land development financing for commercial and residential purposes. In addition, it offers retail banking services comprising residential mortgages, home equity lines of credit, personal lines of credit, installment consumer loans, depository account services, consumer cards, and personal trust services; and wealth management services consisting of investment management, fiduciary and estate, and advanced business succession and estate planning services. 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.
Seasonals
Price Target
60.86 USD
The 39 analysts offering 1 year price forecasts for ZION have a max estimate of 69.00 and a min estimate of 52.00.
Debt Level and Coverage
Financial Position Analysis
Ownership
Capital Structure
Valuation - Summary
Valuation - Ratios
Revenue to Profit Conversion
Balance Sheet
Income Statement
Cash Flow
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