Stock AnalizZions Bancorporation, National Association ZION
Major Banks · data as of November 13, 2026
Zions Bancorporation, National Association (ZION) is a financial company listed in the US with a market value of about $9.6B. In the twelve months to September 30, 2026 it had revenue of $3.8B and net income of $1.2B, a net margin of 31.9%.
Its overall Stock Analiz score is 3.0 out of 5 (average). The strongest part is value (5/5); the weakest is future growth (1/5).
Key numbers: a P/E of 8.1, a price to free cash flow of 4.5, 5-year revenue growth of 4% a year. A discounted cash flow model with moderate assumptions puts its intrinsic value about 16% above the current price.
Score: 3.0 / 5
Checks passed
- P/E below 25
- P/E below the industry median
- P/FCF below 20
- Price below intrinsic value (DCF, moderate assumptions)
- PEG below 1.5
- Profit margin improving
- 5-year EPS growth above 10% a year
- Profitable 5 years in a row
Checks not passed
- Revenue growth above 10% last year
- 3-year revenue growth above 10% a year
- 3-year free cash flow growth above 10% a year
- Strong R&D investment or growth above 20%
- 5-year revenue growth above 8% a year
- 5-year average ROIC above 12%
- ROE above 15%
- Interest covered more than 5 times
Valuation
Growth and quality
Financials, last 10 years
| Fiscal year | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $3.8B | $3.4B | $3.1B | $3.1B | $3.2B | $2.9B | $2.8B | $2.8B | $2.8B | $2.6B | $2.4B |
| Net income | $1.2B | $899M | $784M | $680M | $907M | $1.1B | $539M | $816M | $884M | $550M | $411M |
| Free cash flow | $2.1B | $952M | $1.1B | $772M | $1.3B | $423M | $548M | $580M | $1.0B | $759M | $400M |
| EPS (diluted) | $8.15 | $6.01 | $4.95 | $4.35 | $5.79 | $6.79 | $3.02 | $4.16 | $4.08 | $2.60 | $1.99 |
| Net margin | 31.9% | 26.6% | 25.1% | 21.8% | 28.8% | 38.8% | 19.3% | 28.7% | 31.8% | 21.1% | 17.2% |
| ROIC | — | — | — | — | — | — | — | — | — | — | — |
From the company’s 10-K and 10-Q filings with the SEC. TTM = trailing twelve months.
What analysts expect
The average 12-month price target from 22 analysts is $72.64, 9% above the current price; targets range from $65.00 to $80.00; the consensus rating is “Hold”; expected EPS is $6.74 for the fiscal year ending December 31, 2026.
Frequently asked questions
What is Zions Bancorporation, National Association’s P/E ratio?
About 8.1, based on the last twelve months of diluted earnings per share (forward P/E about 9.9).
Is Zions Bancorporation, National Association stock undervalued?
Our DCF model with moderate assumptions puts its intrinsic value about 16% above the current market value. A model is a range, not a promise; try your own assumptions in the DCF calculator.
Does Zions Bancorporation, National Association pay a dividend?
Yes. The dividend yield is about 2.89%, and it has paid dividends for 10 years in our data.
Is Zions Bancorporation, National Association a good stock to buy?
We do not give buy or sell advice. Zions Bancorporation, National Association scores 3.0 out of 5 on our five checks (value, growth, track record, financial health and shareholder returns); the checks above show why.
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Generated from SEC filings, analyst consensus estimates and market prices, rebuilt every day. Educational information, not investment advice.