Stock·NASDAQ·Financial Services
Zions Bancorporation, National Association (ZION)
- Market cap
- $9.45B
- P/E
- 8.18
- Dividend yield
- 2.83%
- Street target
- $72.00median of 23 analysts
- 52-week range
- $48.50 $73.34
ZION stock forecast today
Where ZION stands today, and what CleaRank Financial AI makes of it.
ZION at a glance
Zions Bancorporation, National Association (ZION): Buy, 69/100 on CleaRank's AI score.
- Trend Mixed: the price is above its 200-day but below its 50-day moving average ($63.98 and $65.13).
- Earnings ZION beat estimates in 7 of its last 8 quarters, yet fell in the first session after 3 of those beats.
- Insiders Insiders sold $10.2M and bought $266K over the last 18 months.
- Valuation P/E of 8.2 against 16.5 for the Financial Services sector: a discount to peers (-50%).
Figures as of November 6, 2026.
CleaRank Financial AI
ZION earns a CleaRank rating of Buy and a model score of 69/100.
The largest contributor to that score is valuation, since the P/E of 8.18 is 50.4% below the sector median (a discount to peers) and the P/S of 2.52 is 33.7% below the sector median. The trend is mixed, with the stock 0.56% below its 50-day average of $65.13 but 1.22% above its 200-day average of $63.98. Across the past year, the price climbed 26.36%.
Only on CleaRank
Figures we compute ourselves from ZION's own price, earnings and insider-filing history. Tap one to see it in context.
ZION stock price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
3/4Price below its 50-day average ›
The price of $64.76 is 0.6% below the 50-day simple moving average of $65.13.Price above its 200-day average ›
The price is 1.2% above the 200-day simple moving average of $63.98.50-day average above the 200-day ›
The 50-day average ($65.13) is 1.8% above the 200-day average ($63.98), the arrangement of a rising longer-term trend.In the upper half of its 52-week range ›
The price sits at 65% of its 52-week range, between $48.50 and $73.34.
ZION share price
Pick a period: each tab shows how far ZION has moved over it, to the last close.
Today's trading
Where ZION sits inside today's range and its 52-week range.
ZION fundamentals and valuation
Valuation against the sector, and the revenue and earnings behind it.
Valuation and quality checks
5/5P/E below the sector median ›
The trailing P/E of 8.18 is 50.4% below the Financial Services median of 16.5.P/S below the sector median ›
The price-to-sales ratio of 2.52 is 33.7% below the sector median of 3.8.Profitable over the last 12 months ›
Net income over the last 12 months was $1.2B on revenue of $3.8B, a net margin of 31.8%.Beat estimates in most recent reports ›
ZION beat the EPS estimate in 7 of its last 8 reports.Pays a dividend ›
The trailing dividend yield is 2.83%, or $1.83 a share a year.
Key statistics
The headline figures for ZION.
As of November 6, 2026, ZION trades at $64.76, with a market value of $9.45B, a P/E ratio of 8.18 and a dividend yield of 2.83%.
What the numbers say
CleaRank Financial AI's reading of ZION's valuation, growth and risks.
Zions Bancorporation, National Association (ZION) has a trailing P/E of 8.18, which is 50.4% below the Financial Services median of 16.5. The peer comparison on this page places that multiple among the discounts to peers. To put the size in context, ZION has a market capitalisation of $9.5B and trailing earnings of $7.94 per share.
ZION reports a net margin of 31.8% and an operating margin of 39.26%. It reports a return on equity of 16.66%, above the sector median of 13.8%. Rounding out the fundamentals, ZION reports a trailing dividend yield of 2.83% ($1.83 a share a year).
ZION's most recent earnings report, released on October 19, 2026, topped the estimate by 7.88%. EPS came in at $1.78 against the $1.65 analysts had expected. Investors responded positively, and the stock climbed 2.30% in the first session after the release.
The earnings record shows 7 beats in 8 reports; even so, 3 of those 7 beats were followed by a lower share price in the first session after the report. Earlier, the stock rose 4.21% after the January 20, 2026 report, a beat of 12.10%. Looking ahead, analysts expect EPS of $6.72 this fiscal year (growth of 15.4%) and $6.94 the year after (growth of 3.3%).
ZION's typical daily move is 1.12%, and its beta against the S&P 500 is 0.84.
ZION against the Financial Services sector
How ZION compares with the median Financial Services stock CleaRank tracks.
Price to earnings vs sector: ZION trades at a notable discount to sector peers (-50% against the sector median P/E). Investors are paying less for each dollar of earnings than for the typical stock in the sector.
Return vs XLF: Since May 28, 2025, ZION has gained 38.0% against a gain of 13.0% for XLF.
Performance against XLF
ZION and the Financial Services sector fund over the same days.
Revenue and earnings
How much ZION sells, and how much of it becomes profit.
The quarterly bars end with Q2 '26 (the quarter to June 30, 2026); ZION reported again on October 19, 2026, and that quarter is not in our statement data yet. The 12-month figures come from the statistics feed and may include it.
Revenue growth: Revenue grew 8.1% in FY2025 to $3.4B, from $3.1B a year earlier.
Profit margin: The net margin was 26.6% in FY2025, up from 25.0% the year before.
Profitable: ZION earned $899M in FY2025.
Earnings reality check
Did ZION beat what analysts expected, and how did the stock react?
Earnings record: ZION beat the analyst estimate in 7 of the last 8 quarters.
Market reaction: The stock fell in the first session after 3 of those 7 beats, so a beat has not been enough on its own.
| Report | Estimate | Actual | Surprise | First session | 5 sessions |
|---|---|---|---|---|---|
| Oct 19, 2026after close | $1.65 | $1.78 | +7.88% | +2.30% | +4.42% |
| Jul 20, 2026after close | $1.92 | $3.05 | +58.85% | -3.95% | -4.69% |
| Apr 20, 2026after close | $1.43 | $1.54 | +7.69% | -1.63% | -0.70% |
| Jan 20, 2026after close | $1.57 | $1.76 | +12.10% | +4.21% | +0.07% |
| Oct 20, 2025after close | $1.39 | $1.54 | +10.79% | +1.39% | +1.67% |
| Jul 21, 2025after close | $1.31 | $1.58 | +20.61% | +0.46% | -2.17% |
| Apr 21, 2025after close | $1.18 | $1.13 | -4.24% | -1.12% | +3.03% |
| Jan 21, 2025after close | $1.25 | $1.34 | +7.20% | -1.59% | -2.13% |
As of November 6, 2026, ZION has beaten the analyst EPS estimate in 7 of its last 8 reported quarters and fell in the first trading session after 3 of those beats; its latest report, on October 19, 2026, came in 7.88% above the estimate and the stock moved +2.30% in the first session.
The first session is the first full trading day on the news: the report day itself for a report before the open, the next day for one after the close. Surprise is actual EPS against the consensus estimate.
ZION AI analysis and technical indicators
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
2/3RSI not overbought or oversold ›
The 14-day RSI is 48.3, in neutral territory.RSI below 50 ›
An RSI of 48.3 is below the 50 midpoint, so sellers have had the upper hand over the last 14 days.MACD line above zero ›
The MACD line is positive, so the 12-day average is above the 26-day average.
CleaRank Financial AI analysis of ZION
The score, the reasoning behind it, and what could move the price next.
The trend is mixed for ZION. At $64.76, the stock sits 0.56% below its 50-day average of $65.13 while standing 1.22% above its 200-day average of $63.98. The 50-day average is 1.79% above the 200-day, so the moving averages have not yet adjusted to the softer price. Over the past year, the price is 33.53% above the 52-week low of $48.50 and 11.70% below the high of $73.34.
The recent moves point in different directions. In the last session, the price fell 0.26% on volume that was 29.8% below its average. The 14-day RSI of 48.3 sits in the neutral zone, and the MACD line is positive.
Earnings beat ›
The October 19, 2026 report beat the EPS estimate by 7.88%, and the share price rose 2.30% in the first session after it.
Source: Earnings report, October 19, 2026Rating reaffirmed ›
Stephens & Co. kept its Overweight rating on October 26, 2026.
Source: Analyst action, Stephens & Co., October 26, 2026
- The two closest levels to watch are the 20-day EMA at $65.12, just above the price, and the 200-day SMA at $63.98, just below it.
- The 14-day RSI stands at 48.3, which is neutral, and the MACD line is positive. Readings above 70 or below 30 would signal stretched momentum.
- The share price rose 2.30% in the first session after the October 19, 2026 report. ZION has beaten estimates in 7 of the last 8 reports.
The trend is mixed: ZION is above its 200-day average at $63.98 but below its 50-day average at $65.13. A close above the 50-day would turn both signals up, and a close below the 200-day would turn both down. The nearest levels are the 200-day SMA at $63.98 below and the 20-day EMA at $65.12 above.
ZION's 14-day RSI of 48.3 falls within the neutral band, which runs from 40 to 60.
Technical indicators
Momentum and trend for ZION, from its daily closes.
As of November 6, 2026, with ZION at $64.76, its 14-day RSI is 48.3 (neutral territory), its 50-day simple moving average is $65.13 and its 200-day is $63.98.
Calculated by CleaRank on daily closes as of November 6, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26). How we calculate these
What ZION moves with
Correlation of daily returns over one year: +1 moves in step, 0 has no link, -1 moves the opposite way.
As of November 6, 2026, ZION's 1-year correlation of daily returns is +0.57 with S&P 500 (SPY), +0.44 with Nasdaq 100 (QQQ), +0.12 with Bitcoin (BTC) and -0.06 with gold (XAU).
ZION price target and analyst forecast
The analysts' target range and how their ratings split.
Analysts checks
2/3Half or fewer of analysts rate it a buy ›
8 of 23 analysts rate it a buy or strong buy, 11 a hold and 4 a sell.Median target above the price ›
The median 12-month target of $72.00 is 11.2% above the price.Larger share of buy ratings than three months ago ›
8 of 23 rate it a buy now, against 7 of 22 three months ago.
ZION Wall Street View
12-month price targets
The price, $64.76, sits below every analyst's target.
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 26, 2026 | Stephens & Co. | Maintains | Overweight |
| Oct 21, 2026 | Citigroup | Maintains | Neutral |
| Oct 21, 2026 | Piper Sandler | Maintains | Neutral |
| Oct 20, 2026 | Morgan Stanley | Maintains | Underweight |
| Oct 20, 2026 | JP Morgan | Maintains | Underweight |
| Oct 20, 2026 | DA Davidson | Maintains | Buy |
As of November 6, 2026, 23 Wall Street analysts cover ZION: 8 rate it a buy or strong buy, 11 a hold and 4 a sell or strong sell. Their 12-month price targets range from $66.00 to $80.00. The median ZION price target is $72.00, 11.2% above the price of $64.76.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
ZION risk and volatility
How much it moves day to day, and how it stacks up against similar assets.
Risk profile
How much ZION tends to move, against the market and on its own.
ZION price history and drawdowns
ZION's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
3/4Typical daily move under 2% ›
A typical daily move is 1.12% (the standard deviation of the last 30 daily returns).Recovered from its worst fall ›
The worst fall was 72.2%, from February 2022 to May 2023, regained by June 2026.Most 1-year holds ended higher ›
60% of 1-year holding periods in the last 10 years ended with a gain.Trailed the S&P 500 since December 2016 ›
$10,000 invested in December 2016 is now worth $21,302, against $39,188 in the S&P 500 (SPY).
ZION Drawdowns & Recovery
As of November 6, 2026, ZION's worst peak-to-trough fall over the last 10 years with dividends reinvested was -72.2% (February 2022 to May 2023); it regained that peak by June 2026, 37 months after the low, and 60% of 1-year holding periods ended with a gain.
From weekly closing values with dividends reinvested. A drawdown is the fall from the highest value reached so far to a later low.
Growth of $10,000
What $10,000 put into ZION in December 2016 is worth now, against the same amount in the S&P 500.
Against the market: ZION trailed the S&P 500 over this period: $21,302 against $39,188.
A $10,000 investment in ZION in December 2016 would be worth about $21,302 today with dividends reinvested, compared with about $39,188 for the same investment in the S&P 500 benchmark (also with dividends reinvested).
Seasonal patterns
Which calendar months have been kind to ZION, and which have not.
Strongest month, November: an average of +8.86%, up in 9 of 9 years.
Weakest month, March: an average of -9.77%, up in 2 of 10 years.
This month, November: has averaged +8.86%, up in 9 of 9 years. Past seasonality does not repeat on schedule.
Across 10 calendar years of history, ZION's strongest calendar month has been November (average +8.86%, up in 9 of 9 years) and its weakest March (average -9.77%, up in 2 of 10 years).
Average return for each calendar month across 10 calendar years of history, from weekly closing prices with dividends included.
ZION stock price prediction 2030
Thousands of simulated paths from the price history. A range of outcomes, not a forecast.
Monte Carlo projection
Thousands of simulated paths for $10,000 in ZION, from its own past volatility. The shaded area holds 80% of them.
CleaRank's 4-year Monte Carlo simulation, based on 10 years of price history, projects that a $10,000 investment in ZION today could grow to about $12,945 by 2030 in the base case, with a 90th-percentile outcome near $35,550 and a 10th-percentile outcome around $4,714. The simulation models price only; at today's 2.83% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
ZION Stock Price Prediction 2030: Simulated Scenarios
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $83.83 for ZION by 2030 in the base case, from $64.76 today (1.3x over 4 years). The 10th-percentile path ends near $30.53. These are outcomes of a Monte Carlo simulation run on ZION's historical return distribution, not price targets, and they assume no dividends are reinvested.
| Year | 10th percentile | Base case | 90th percentile | range base today |
|---|---|---|---|---|
| 2027 | $41.68 | $69.08 | $114 | |
| 2028 | $36.07 | $73.68 | $151 | |
| 2029 | $32.77 | $78.59 | $189 | |
| 2030 | $30.53 | $83.83 | $230 |
Method: a lognormal simulation of ZION's own volatility and capped historical trend, re-run daily; base case is the median path, the outer columns the 10th and 90th percentiles. How the simulation works
ZION insider trading
What the people running the company have bought and sold.
ZION insider trading
Shares the company's directors and officers bought and sold, from their own filings.
Month by month
Open-market purchases above the line, sales below.
Net insider selling: Insiders bought $266K on the open market and sold $10.2M.
As of November 6, 2026, ZION insiders reported 14 open-market sales worth $10.2M and 1 open-market purchase worth $266K over the last 18 months; grants and option exercises are not counted.
| Date | Insider | Type | Shares | Value |
|---|---|---|---|---|
| Aug 11, 2026 | Harris H Simmons
Chief Executive Officer
|
Grant | 30.2K | - |
| Aug 4, 2026 | Scott J McLean
President
|
Sell | 83.3K | $5.9M |
| Aug 4, 2026 | Scott A. Law
Officer
|
Sell | 4.6K | $333.7K |
| Aug 4, 2026 | Scott A. Law
Officer
|
Option | 4.6K | $210.4K |
| Aug 4, 2026 | Scott J McLean
President
|
Option | 37.2K | $1.9M |
| Aug 3, 2026 | Harris H Simmons
Chief Executive Officer
|
Grant | 314.1K | - |
| Jul 28, 2026 | Derek Steward
Officer
|
Sell | 894 | $62.3K |
| Jul 28, 2026 | Scott J McLean
President
|
Grant | 6.7K | - |
| Jul 28, 2026 | Derek Steward
Officer
|
Option | 894 | $40.8K |
| May 8, 2026 | Jennifer Anne Smith
Officer
|
Sell | 4.2K | $263.1K |
| May 6, 2026 | Robert Ryan Richards
Officer
|
Option | 2.0K | $106.0K |
| May 4, 2026 | Jennifer Anne Smith
Officer
|
Sell | 550 | $34.6K |
| May 1, 2026 | Maria Contreras-Sweet
Director
|
Grant | 2.1K | $130.0K |
| May 1, 2026 | Edward F Murphy
Director
|
Grant | 2.1K | $130.0K |
| May 1, 2026 | Barbara A Yastine
Director
|
Grant | 2.1K | $130.0K |
| Apr 28, 2026 | Scott A. Law
Officer
|
Option | 2.0K | $85.0K |
| Feb 24, 2026 | Harris H Simmons
Chief Executive Officer
|
Buy | 4.5K | $265.6K |
| Feb 20, 2026 | Jason D Arbuckle
Officer
|
Sell | 190 | $11.7K |
| Feb 20, 2026 | Jason D Arbuckle
Officer
|
Grant | 214 | - |
| Feb 18, 2026 | Jennifer Anne Smith
Officer
|
Sell | 2.1K | $130.5K |
| Feb 18, 2026 | Jennifer Anne Smith
Officer
|
Option | 2.1K | $110.5K |
| Feb 12, 2026 | Jason D Arbuckle
Officer
|
Grant | 2.2K | $134.9K |
| Feb 12, 2026 | Eric Ellingsen
Officer
|
Grant | 6.5K | $391.4K |
| Feb 12, 2026 | Christopher Kyriakakis
Officer
|
Grant | 10.9K | $657.1K |
| Feb 12, 2026 | Scott A. Law
Officer
|
Grant | 3.9K | $236.0K |
| Feb 12, 2026 | Scott J McLean
President
|
Grant | 16.0K | $961.4K |
| Feb 12, 2026 | Rena A Miller
General Counsel
|
Grant | 3.8K | $230.9K |
| Feb 12, 2026 | Robert Ryan Richards
Officer
|
Grant | 8.2K | $494.3K |
| Feb 12, 2026 | Harris H Simmons
Chief Executive Officer
|
Grant | 37.6K | $2.3M |
| Feb 12, 2026 | Jennifer Anne Smith
Officer
|
Grant | 5.8K | $349.4K |
| Feb 12, 2026 | Steven Dan Stephens
Officer
|
Grant | 6.4K | $387.6K |
| Feb 12, 2026 | Derek Steward
Officer
|
Grant | 4.3K | $257.5K |
| Feb 6, 2026 | Steven Dan Stephens
Officer
|
Sell | 15.5K | $1.0M |
| Feb 6, 2026 | Jennifer Anne Smith
Officer
|
Sell | 6.6K | $425.0K |
| Feb 6, 2026 | Steven Dan Stephens
Officer
|
Option | 13.6K | $658.0K |
| Feb 4, 2026 | Scott A. Law
Officer
|
Option | 913 | $46.7K |
| Feb 4, 2026 | Harris H Simmons
Chief Executive Officer
|
Option | 30.5K | $1.6M |
| Feb 3, 2026 | Rena A Miller
General Counsel
|
Option | 998 | $47.1K |
| Feb 2, 2026 | Scott J McLean
President
|
Sell | 29.0K | $1.8M |
| Feb 2, 2026 | Eric Ellingsen
Officer
|
Sell | 1.5K | $93.1K |
| Feb 2, 2026 | Derek Steward
Officer
|
Sell | 769 | $46.5K |
| Feb 2, 2026 | Eric Ellingsen
Officer
|
Option | 1.5K | $77.7K |
| Feb 2, 2026 | Scott J McLean
President
|
Option | 33.1K | $1.6M |
| Feb 2, 2026 | Derek Steward
Officer
|
Option | 769 | $39.4K |
| Dec 30, 2025 | Robert Ryan Richards
Officer
|
Grant | 2.4K | - |
| Dec 30, 2025 | Robert Ryan Richards
Officer
|
Grant | 3.3K | - |
| Dec 23, 2025 | Paul E Burdiss
Chief Financial Officer
|
Grant | 4.7K | - |
| Dec 23, 2025 | Harris H Simmons
Chief Executive Officer
|
Grant | 23.0K | - |
| Oct 27, 2025 | Jennifer Anne Smith
Officer
|
Sell | 2.5K | $130.5K |
| Oct 27, 2025 | Jennifer Anne Smith
Officer
|
Grant | 1.9K | - |
| Aug 22, 2025 | Rena A Miller
General Counsel
|
Option | 385 | $19.7K |
| Aug 5, 2025 | Harris H Simmons
Chief Executive Officer
|
Grant | 4.5K | $235.6K |
| Aug 4, 2025 | Harris H Simmons
Chief Executive Officer
|
Grant | 11.2K | - |
| Jul 30, 2025 | Scott J McLean
President
|
Grant | 5.9K | - |
| May 28, 2025 | Jason D Arbuckle
Officer
|
Sell | 294 | $13.9K |
Source: TwelveData, from SEC Form 4 filings
ZION stock forecast: questions people ask
Answered from the figures on this page, as of November 6, 2026.