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Zions Bancorporation (ZION)



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Upturn Advisory Summary
08/14/2025: ZION (1-star) is currently NOT-A-BUY. Pass it for now.
1 Year Target Price $61.14
1 Year Target Price $61.14
3 | Strong Buy |
2 | Buy |
15 | Hold |
2 | Sell |
1 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -12.31% | Avg. Invested days 26 | Today’s Advisory PASS |
Upturn Star Rating ![]() ![]() | Upturn Advisory Performance ![]() | Stock Returns Performance ![]() |
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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 |
Upturn AI SWOT
Zions Bancorporation

Company Overview
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.
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 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
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
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
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.
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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