Zions Bancorporation N.A. Common Stock (ZION)

FairStock Score: 66/100 — STEADY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I approach banks as Graham did: book value, earnings consistency and credit risk matter more than a glamorous story. Zions is a $9.1B market-cap regional lender operating across the Mountain West and Texas, with local franchises like Zions Bank, Amegy and California Bank & Trust. At the 2026-10-13 close of $62.23, FairStock calculates a P/E of 7.93 and P/B of 1.19, so the market is paying a modest premium to book for a bank with a FairStock-calculated ROE of 16.40%. The dividend yield is 3.09% and beta is 0.83. Filed results show progress: in fiscal year 2025, the year ended 2025-12-31, Zions reported net income of $899.0M and diluted EPS of $6.01, up from $784.0M and $4.95 in fiscal year 2024, the year ended 2024-12-31, on revenue of $529.0M versus $513.0M. In fiscal Q2 2026, the quarter ended 2026-06-30, the filing shows net income of $453.0M and diluted EPS of $3.05, with revenue of $141.0M. That revenue line looks odd beside the net income, so I would not lean on it for margin analysis. FairStock's Lynch classification is STALWART: steady profit growth of 10.8% a year and revenue growth of 5.6% over five years. FairStock's Piotroski F-Score is 6/9, and its PEG is 0.21. The moat is limited, because banking is competitive and regional banks lack wide pricing power. The cheapness is real if credit holds, but I cannot judge underwriting without CET1, net interest margin, nonperforming assets, loan-loss reserves or efficiency ratio. A value case here rests on mid-teens ROE, modest growth and a modest multiple to book, not on a fortress balance sheet I can verify.

In plain English: Zions is a regional bank that serves businesses and individuals in several western U.S. states. It earns solid profits, pays a decent dividend, and trades at a price that looks modest compared with its profits and net worth. The biggest uncertainty is credit and interest-rate risk, because key bank safety measures are not in the data provided.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Sources (SEC EDGAR): fiscal Q2 2026 10-Q (period ended 2026-06-30) · fiscal Q1 2026 10-Q (period ended 2026-03-31) · fiscal Q4 2025 10-K (period ended 2025-12-31) · fiscal Q3 2025 10-Q (period ended 2025-09-30) · FY2025 10-K (period ended 2025-12-31) · FY2024 10-K (period ended 2024-12-31) · FY2023 10-K (period ended 2023-12-31)

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer