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ZION logo ZION
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ZION logo

Zions Bancorporation (ZION)

Upturn stock ratingUpturn stock rating
$53.77
Last Close (24-hour delay)
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PASS
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Upturn Stock infoUpturn Stock info Stock price based on last close
*as per simulation
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Upturn Advisory Summary

08/14/2025: ZION (1-star) is currently NOT-A-BUY. Pass it for now.

Upturn Star Rating

rating

Not Recommended Performance

These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.

Number of Analysts

rating

23 Analysts rated it

Well-followed company, solid analyst reports, reliable data for confident investing.

1 Year Target Price $61.14

1 Year Target Price $61.14

Analysts Price Target For last 52 week
$61.14 Target price
52w Low $38.65
Current$53.77
52w High $61.67

Analysis of Past Performance

Type Stock
Historic Profit -12.31%
Avg. Invested days 26
Today’s Advisory PASS
Upturn Star Rating Upturn stock ratingUpturn stock rating
Upturn Advisory Performance Upturn Advisory Performance 3.0
Stock Returns Performance Upturn Returns Performance 1.0
Upturn Profits based on simulationUpturn Profits based on simulation Profits based on simulation
Upturn Profits based on simulationUpturn Profits based on simulation Last Close 08/14/2025

Key Highlights

Company Size Mid-Cap Stock
Market Capitalization 7.94B USD
Price to earnings Ratio 9.81
1Y Target Price 61.14
Price to earnings Ratio 9.81
1Y Target Price 61.14
Volume (30-day avg) 23
Beta 0.91
52 Weeks Range 38.65 - 61.67
Updated Date 08/15/2025
52 Weeks Range 38.65 - 61.67
Updated Date 08/15/2025
Dividends yield (FY) 3.18%
Basic EPS (TTM) 5.48

Analyzing Revenue: Products, Geography and Growth

Revenue by Products

Product revenue - Year on Year

Earnings Date

Report Date 2025-07-21
When After Market
Estimate 1.31
Actual 1.63

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 9.81
Forward PE 10.33
Enterprise Value 11301731328
Price to Sales(TTM) 2.5
Enterprise Value 11301731328
Price to Sales(TTM) 2.5
Enterprise Value to Revenue 2.76
Enterprise Value to EBITDA -
Shares Outstanding 147624000
Shares Floating 144500077
Shares Outstanding 147624000
Shares Floating 144500077
Percent Insiders 1.79
Percent Institutions 78.98

ai summary icon Upturn AI SWOT

Zions Bancorporation

stock logo

Company Overview

overview logo History and Background

Zions Bancorporation, founded in 1873 as Zion's Savings Bank and Trust Company, has grown through acquisitions to become a major regional bank holding company.

business area logo Core Business Areas

  • Commercial Banking: Offers lending, deposit, and treasury management services to businesses.
  • Retail Banking: Provides checking, savings, mortgage, and other consumer banking products.
  • Wealth Management: Offers investment management, trust, and brokerage services to high-net-worth individuals.

leadership logo Leadership and Structure

Harris H. Simmons serves as Chairman and CEO. The company is structured with various executive leadership roles overseeing different banking divisions and corporate functions.

Top Products and Market Share

overview logo Key Offerings

  • Commercial Loans: Provides various commercial loans to businesses for operational and capital needs. Market share is regional, competing with national and other regional banks. Competitors: Wells Fargo, US Bancorp, KeyCorp.
  • Mortgage Lending: Offers residential mortgage loans. The housing market is competitive. Competitors: Rocket Mortgage, Bank of America, JPMorgan Chase.
  • Treasury Management Services: Provides cash management and other treasury services to business clients, helps to manage cash flows and mitigates risks. Competitors: Bank of New York Mellon, PNC Financial Services

Market Dynamics

industry overview logo Industry Overview

The banking industry is currently characterized by rising interest rates, increased regulatory scrutiny, and growing competition from fintech companies.

Positioning

Zions Bancorporation is a leading regional bank holding company in the Western United States, known for its strong community ties and customer service.

Total Addressable Market (TAM)

The TAM for banking services in the Western US is estimated at $500 billion. Zions is positioned to capture a percentage of this market through its regional focus and customer relationships.

Upturn SWOT Analysis

Strengths

  • Strong regional presence in attractive markets
  • Diversified business model
  • Experienced management team
  • Strong capital position

Weaknesses

  • Limited national brand recognition
  • Sensitivity to interest rate fluctuations
  • Higher cost structure compared to larger banks

Opportunities

  • Expansion into new markets
  • Increased digital banking adoption
  • Strategic acquisitions
  • Growing demand for wealth management services

Threats

  • Increased competition from fintech companies
  • Economic downturn
  • Regulatory changes
  • Cybersecurity risks

Competitors and Market Share

competitor logo Key Competitors

  • WFC
  • USB
  • KEY

Competitive Landscape

Zions competes with larger national banks and other regional banks, focusing on customer service and local market expertise.

Major Acquisitions

No recent major acquisition was found

  • Year: 2024
  • Acquisition Price (USD millions): 0
  • Strategic Rationale: Focus is on organic growth and technology improvement.

Growth Trajectory and Initiatives

Historical Growth: Historical growth has been driven by acquisitions and organic expansion.

Future Projections: Future growth is projected to be moderate, driven by organic expansion and potential acquisitions.

Recent Initiatives: Recent initiatives include investments in digital banking and expansion of wealth management services.

Summary

Zions Bancorporation is a solid regional bank with a diversified business model. Its strong presence in the Western US and customer service focus are key strengths. Threats include fintech competition and economic downturns.

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 investment advice.

Upturn AI SummarizationUpturn AI Summarization AI Summarization is directionally correct and might not be accurate.

Upturn AI SummarizationUpturn AI Summarization Summarized information shown could be a few years old and not current.

Upturn AI SummarizationUpturn AI Summarization Fundamental Rating based on AI could be based on old data.

Upturn AI SummarizationUpturn AI Summarization 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.