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Upturn AI SWOT - About
ZION 
Zions Bancorporation (ZION)
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Upturn Advisory Summary
06/30/2025: ZION (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
23 Analysts rated it
These Stocks/ETFs, based on Upturn Advisory, have historically outperformed the market, making them a top-tier choice for investors.
Year Target Price $53.38
Year Target Price $53.38
| 3 | Strong Buy |
| 2 | Buy |
| 15 | Hold |
| 0 | Under performing |
| 3 | Sell |
Analysis of Past Performance
Type Stock | Historic Profit -10.98% | Avg. Invested days 23 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.60B USD | Price to earnings Ratio 10.05 | 1Y Target Price 53.38 |
Price to earnings Ratio 10.05 | 1Y Target Price 53.38 | ||
Volume (30-day avg) 23 | Beta 0.86 | 52 Weeks Range 38.98 - 62.19 | Updated Date 06/30/2025 |
52 Weeks Range 38.98 - 62.19 | Updated Date 06/30/2025 | ||
Dividends yield (FY) 3.34% | Basic EPS (TTM) 5.12 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.79% | Operating Margin (TTM) 33.59% |
Management Effectiveness
Return on Assets (TTM) 0.92% | Return on Equity (TTM) 13.18% |
Valuation
Trailing PE 10.05 | Forward PE 10.25 | Enterprise Value 8411469824 | Price to Sales(TTM) 2.45 |
Enterprise Value 8411469824 | Price to Sales(TTM) 2.45 | ||
Enterprise Value to Revenue 2.71 | Enterprise Value to EBITDA - | Shares Outstanding 147571008 | Shares Floating 144412796 |
Shares Outstanding 147571008 | Shares Floating 144412796 | ||
Percent Insiders 1.8 | Percent Institutions 79.27 |
Analyst Ratings
Rating 5 | Target Price 53.38 | Buy 2 | Strong Buy 3 |
Buy 2 | Strong Buy 3 | ||
Hold 15 | Sell 2 | Strong Sell 1 | |
Strong Sell 1 |
Upturn AI SWOT
Zions Bancorporation
Company Overview
History and Background
Zions Bancorporation was founded in 1873 as Zions Savings Bank and Trust Company in Salt Lake City, Utah. It has grown through acquisitions and organic expansion to become a major regional bank holding company.
Core Business Areas
- Commercial Banking: Provides a range of commercial lending, deposit, and treasury management services to businesses of various sizes.
- Retail Banking: Offers consumer banking products and services, including checking and savings accounts, mortgages, and personal loans.
- Wealth Management: Provides investment management, trust, and financial planning services to high-net-worth individuals and families.
Leadership and Structure
Harris H. Simmons serves as the Chairman and CEO. The company operates with a decentralized structure, with individual bank brands operating independently under the Zions Bancorporation umbrella.
Top Products and Market Share
Key Offerings
- Commercial Loans: Offerings include term loans, lines of credit, and commercial real estate financing. Market share data is difficult to obtain due to the fragmented nature of the regional banking market. Competitors include other regional banks like KeyCorp and Regions Financial, as well as national players like JPMorgan Chase and Bank of America.
- Deposit Accounts: Checking, savings, and money market accounts for individuals and businesses. Market share data is similarly fragmented. Competitors include both traditional banks and online financial institutions.
- Treasury Management Services: Cash management, payment processing, and other financial solutions for businesses. Market share data is also difficult to obtain. Competitors include major national banks such as Wells Fargo and US Bancorp.
Market Dynamics
Industry Overview
The banking industry is currently facing increased competition, rising interest rates, and evolving regulatory landscape. Technological advancements and fintech disruption are also reshaping the industry.
Positioning
Zions Bancorporation is a strong regional bank with a focus on relationship banking and providing personalized service. Its decentralized structure allows it to cater to the specific needs of its local markets.
Total Addressable Market (TAM)
The total addressable market for banking services is substantial, encompassing all individuals and businesses that require financial services. Zions Bancorporation is positioned to capture a portion of this TAM through its regional focus and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence
- Decentralized operating model
- Experienced management team
- Solid credit quality
Weaknesses
- Geographic concentration
- Limited international presence
- Reliance on net interest income
- Smaller scale compared to national banks
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Growth in wealth management business
- Potential acquisitions of smaller banks
Threats
- Rising interest rates
- Increased competition from fintech companies
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- KEY
- RF
- HBAN
- CMA
Competitive Landscape
Zions Bancorporation competes with other regional and national banks, as well as non-bank financial institutions. Its strengths lie in its strong regional presence, decentralized structure, and focus on customer service. Its weaknesses include its smaller scale and geographic concentration.
Major Acquisitions
No recent major acquisitions
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: No recent major acquisitions
Growth Trajectory and Initiatives
Historical Growth: Historical growth data depends on financial information which is not possible to dynamically update. Please look up the latest historical earnings release and 10k filings with the SEC.
Future Projections: Future projections depend on analyst estimates which are not possible to dynamically update. Please look up the latest analyst estimates with the SEC.
Recent Initiatives: Recent Initiatives depend on financial information which is not possible to dynamically update. Please look up the latest historical earnings release and 10k filings with the SEC.
Summary
Zions Bancorporation is a solid regional bank with a strong presence in the Western United States. Its decentralized structure allows it to cater to the specific needs of its local markets. The company faces challenges from rising interest rates and increased competition, but its experienced management team and solid credit quality position it for continued success. Investors should monitor the company's ability to manage its net interest margin and adapt to the evolving regulatory landscape. Zions must look out for increased market share of the biggest players in the industry.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Analyst Reports
Disclaimers:
The data provided is for informational purposes only and should not be considered financial advice. Market share estimates are approximate and may vary depending on the source. Financial data should be independently verified.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Zions Bancorporation
Exchange NASDAQ | Headquaters Salt Lake City, UT, United States | ||
IPO Launch date 1990-03-26 | Chairman & CEO Mr. Harris Henry Simmons | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 9392 | |
Full time employees 9392 | |||
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.
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