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Upturn AI SWOT - About
ZION 
Zions Bancorporation (ZION)
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Upturn Advisory Summary
10/13/2025: ZION (1-star) is a SELL. SELL since 2 days. Simulated Profits (-7.87%). Updated daily EoD!
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
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $62.52
1 Year Target Price $62.52
| 3 | Strong Buy |
| 2 | Buy |
| 15 | Hold |
| 2 | Sell |
| 1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -19.21% | Avg. Invested days 26 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/13/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.95B USD | Price to earnings Ratio 9.82 | 1Y Target Price 62.52 |
Price to earnings Ratio 9.82 | 1Y Target Price 62.52 | ||
Volume (30-day avg) 23 | Beta 0.91 | 52 Weeks Range 38.65 - 61.67 | Updated Date 10/14/2025 |
52 Weeks Range 38.65 - 61.67 | Updated Date 10/14/2025 | ||
Dividends yield (FY) 3.25% | Basic EPS (TTM) 5.48 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date 2025-10-20 | When After Market | Estimate 1.47 | Actual - |
Profitability
Profit Margin 26.59% | Operating Margin (TTM) 39.57% |
Management Effectiveness
Return on Assets (TTM) 0.96% | Return on Equity (TTM) 13.38% |
Valuation
Trailing PE 9.82 | Forward PE 9.64 | Enterprise Value 11312065536 | Price to Sales(TTM) 2.5 |
Enterprise Value 11312065536 | Price to Sales(TTM) 2.5 | ||
Enterprise Value to Revenue 2.88 | Enterprise Value to EBITDA - | Shares Outstanding 147623797 | Shares Floating 144523697 |
Shares Outstanding 147623797 | Shares Floating 144523697 | ||
Percent Insiders 1.75 | Percent Institutions 79.37 |
Upturn AI SWOT
Zions Bancorporation
Company Overview
History and Background
Zions Bancorporation was founded in 1873 as Zion's Savings Bank and Trust Company in Salt Lake City, Utah. It has grown through acquisitions and organic expansion, becoming a major regional bank holding company in the Western United States.
Core Business Areas
- Commercial Banking: Provides a range of lending, treasury management, and other financial services to businesses of all sizes.
- Retail Banking: Offers deposit accounts, loans, and other banking services to individuals and households.
- Wealth Management: Provides investment management, trust services, and financial planning to high-net-worth individuals and families.
Leadership and Structure
Harris H. Simmons serves as Chairman and CEO. The organization is structured with various regional bank divisions operating under the Zions Bancorporation umbrella.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and acquisitions. Competitors include Wells Fargo, U.S. Bancorp, and Bank of America. Market share data specific to Zions for commercial loans is not publicly available.
- Deposit Accounts: Offers checking, savings, and money market accounts to individuals and businesses. Competitors include national and regional banks. Market share data specific to Zions for deposit accounts is not publicly available.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges including rising interest rates, increased competition from fintech companies, and regulatory changes.
Positioning
Zions Bancorporation is a large regional bank with a strong presence in the Western United States. Its competitive advantages include its established branch network, strong customer relationships, and focus on community banking.
Total Addressable Market (TAM)
The TAM for banking services in the Western US is estimated to be in the hundreds of billions of dollars. Zions Bancorporation is positioned to capture a portion of this market through its branch network and online banking services.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Western United States
- Diversified revenue streams
- Experienced management team
- Strong capital position
Weaknesses
- Limited international presence
- Exposure to regional economic fluctuations
- Dependence on interest rate environment
- IT infrastructure may not be as cutting edge as a new fintech
Opportunities
- Expansion into new markets
- Increased adoption of digital banking technologies
- Acquisition of smaller banks
- Growth in wealth management business
Threats
- Increased competition from fintech companies
- Rising interest rates
- Economic downturn
- Regulatory changes
Competitors and Market Share
Key Competitors
- WFC
- USB
- BAC
Competitive Landscape
Zions Bancorporation faces competition from national and regional banks, as well as fintech companies. Its advantages include its strong regional presence and focus on community banking.
Growth Trajectory and Initiatives
Historical Growth: Zions Bancorporation's growth has been driven by acquisitions and organic expansion in the Western United States.
Future Projections: Future growth projections depend on economic conditions and the company's ability to execute its strategic initiatives. Analyst estimates should be consulted for specific forecasts.
Recent Initiatives: Recent strategic initiatives may include investments in digital banking technologies, expansion into new markets, and acquisitions of smaller banks.
Summary
Zions Bancorporation is a solid regional bank with a strong presence in the Western United States. Its diversified revenue streams and experienced management team are key strengths. However, it faces challenges from increased competition and a changing interest rate environment. The company should focus on expanding its digital banking capabilities and managing its exposure to regional economic fluctuations.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Third-Party Financial Data Providers
Disclaimers:
This analysis is for informational purposes only and should not be considered investment advice. Financial data is subject to change.
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 9440 | |
Full time employees 9440 | |||
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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