What is Zions Bancorporation, National Association's (ZION) StockRank?

MoatMap's StockRank for Zions Bancorporation, National Association (ZION) is 84/100, with a Strong Buy signal. This is a composite score combining Quality (65), Value (57), and Momentum (59) factor ranks across MoatMap's universe of 25,000+ stocks.

Does Zions Bancorporation, National Association have an economic moat?

Zions Bancorporation, National Association (ZION) has a Quality factor score of 65/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the financial characteristics of a moated business.

Is Zions Bancorporation, National Association a buy, hold, or sell?

MoatMap's current signal for Zions Bancorporation, National Association (ZION) is Strong Buy, based on a StockRank of 84/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.

What sector is Zions Bancorporation, National Association in?

Zions Bancorporation, National Association (ZION) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).

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ZION

Strong BuyFull HouseAPPROVE

Zions Bancorporation, National Association · Financial Services · United States · $9.9B · Avg Vol: $86M/d

StockRank

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P/E (TTM)

8.8x

ROE

16.4%

D/E

0.5x

Dividend %

2.6%

AI CONVICTION THESIS

Zions Bancorporation clears the calibrated bar. All three legs are above the floor (Q59 V51 M75) and a buyback retiring 1.36% of shares provides the required corroboration. Nothing adverse is on file: no insider selling, and the forward-EPS consensus was revised up 1.6%. Higher-for-longer rates support net interest margin for a deposit-funded regional lender, and momentum at M75 shows the market is confirming.

COMPANY DESCRIPTION

Zions Bancorporation, National Association is a regional bank holding company operating a network of community banks across 11 Western and Southwestern states. It offers a full range of banking services to small and medium-sized businesses and individuals. Zions benefits from strong local market presence and deep client relationships, focusing on personalized service and prudent risk management within its diverse regional economies.

FINANCIAL SUMMARY (USD)

Year	2022	2023	2024	2025	CAGR	TTM	2026E	2027E	Fwd CAGR
Revenue	3.2B	3.1B	3.1B	3.4B	2.4%	3.7B	3.6B	3.7B	3.9%
EPS	5.80	4.39	4.95	6.01	1.2%	7.85	7.73	6.82	6.5%
Shares	148.7M	148.2M	147.9M	147.7M	-0.7%	146.0M	—	—	—
Debt	7.8B	2.1B	3.5B	3.5B	-23.5%	3.7B	—	—	—
Equity	4.9B	5.7B	6.1B	7.2B	13.6%	—	—	—	—
Op CF	1.5B	885.0M	1.1B	1.1B	-10.0%	1.8B	—	—	—
Inv CF	1.4B	2.4B	-1.6B	738.0M	—	—	—	—	—
Fin CF	-2.8B	-3.2B	427.0M	-1.8B	—	—	—	—	—

Loading 1Y...

PRICE (1Y)-1.7%

SMA 50SMA 200

$68.29

RSI (14)

52.5

52W High

$72.85

From 52W High

0.9%

SCORE BREAKDOWN

Quality

ROIC (ROA)

1.3%*44.8

ROE

16.4%77.0

GP/Assets

4.1%N/A

Op. Margin

52.1%72.2

FCF/Assets

1.3%N/A

Piotroski

685.7

Int. Cover

—50.0

D/E Ratio

0.48xN/A

Current Ratio

bankN/A

Value

P/E (TTM)

8.8x74.3

EV/EBITDA

bankN/A

P/FCF

8.3xN/A

P/B

1.3x43.8

P/S

2.7x63.7

Div Yield

2.6%35.5

Momentum

52W High %

94%65.0

RS 6M

14%77.2

SMA 50/200

1.12x78.7

EPS Rev 4W

-0.1%18.0

EPS Rev 12W

+1.5%60.5

EPS Improve

-13%14.3

Q Growth

86%82.5

FUNDAMENTALS

Market Cap

$9.9B

P/E (Forward)

10.2x

Gross Margin

—

SECTOR PEERS

Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of ZION are excluded.

Ticker	Company	Mkt Cap	StockRank	Signal
ZION	Zions Bancorporation, National Association(you)	$9.9B	84	Strong Buy
BPOP	Popular, Inc.	$10.8B	78	Buy
PB	Prosperity Bancshares, Inc.	$8.7B	71	Buy
ASB	Associated Banc-Corp	$5.8B	78	Buy
UMBF	UMB Financial Corporation	$11.0B	68	Buy
VLY	Valley National Bancorp	$7.7B	71	Buy
FBP	First BanCorp.	$4.3B	82	Strong Buy
CFR	Cullen/Frost Bankers, Inc.	$10.0B	64	Hold
CBSH	Commerce Bancshares, Inc.	$8.3B	67	Buy
CATY	Cathay General Bancorp	$4.1B	77	Buy

Peer medians: ROE 9.5% · P/E 13.1x · Gross margin 100.0%

Zions Bancorporation, National Association (ZION): Stock Score Summary

Zions Bancorporation, National Association (ZION) has a MoatMap StockRank of 84/100 based on Quality (65/100), Value (57/100), and Momentum (59/100) factor scores. The current signal is STRONG BUY. Zions Bancorporation clears the calibrated bar. All three legs are above the floor (Q59 V51 M75) and a buyback retiring 1.36% of shares provides the required corroboration. Nothing adverse is on file: no insider selling, and the forward-EPS consensus was revised up 1.6%. Higher-for-longer rates support net interest margin for a deposit-funded regional lender, and momentum at M75 shows the market is confirming.

Key Financial Metrics

Price	$68.29
Market Cap	$9.9B
P/E (TTM)	8.84
P/E (Forward)	10.21
Price/Book	1.33
Return on Equity	16.4%
Debt/Equity	0.48x
Operating Margin	52.1%
Revenue Growth	35.2%
Dividend Yield	2.6%
Free Cash Flow	$1.2B

Zions Bancorporation, National Association operates in the Banks - Regional industry, part of the Financial Services sector (United States).

Frequently Asked Questions

What is Zions Bancorporation, National Association’s (ZION) StockRank?: MoatMap’s StockRank for Zions Bancorporation, National Association (ZION) is 84/100, with a Strong Buy signal. It is a composite of Quality (65), Value (57), and Momentum (59) factor ranks across MoatMap’s universe of 25,000+ stocks.
Does Zions Bancorporation, National Association have an economic moat?: Zions Bancorporation, National Association (ZION) has a Quality factor score of 65/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Zions Bancorporation, National Association a buy, hold, or sell?: MoatMap’s current signal for Zions Bancorporation, National Association (ZION) is Strong Buy, based on a StockRank of 84/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Zions Bancorporation, National Association in?: Zions Bancorporation, National Association (ZION) operates in the Financial Services sector, specifically the Banks - Regional industry (United States).