Stock·NASDAQ·Financial Services
Zions Bancorporation, National Association (ZION)
- Market cap
- $9.25B
- P/E
- 8.03
- Dividend yield
- 2.89%
- Street target
- $73.00median of 23 analysts
- 52-week range
- $48.50 $73.34
The short version
Where ZION stands today, in four lines, 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 Down: the price is below both its 50- and 200-day moving averages ($66.39 and $63.55).
- Earnings ZION beat estimates in 7 of its last 8 quarters, yet fell the next day after 3 of those beats.
- Insiders Insiders sold $10.2M and bought $266K over the last 18 months.
- Valuation P/E of 8.0 against 16.5 for the Financial Services sector: a discount to peers (-51%).
Figures as of October 18, 2026.
CleaRank Financial AI
CleaRank rates Zions Bancorporation, National Association (ZION) a Buy with a model score of 69/100.
The biggest lift comes from valuation: the P/E of 8.03 is 51.4% below the sector median, a discount to peers, and the P/S of 2.49 is 34.5% below the sector median. Momentum pulls the score down most, since the MACD line is negative. The trend points down, with ZION trading 4.54% below its 50-day average of $66.39 and 0.28% below its 200-day average of $63.55. Across the past year, the price rose 35.03%.
Only on CleaRank
Figures we compute ourselves from ZION's own price, earnings and insider-filing history. Tap one to see it in context.
Price and trading
The chart, today's range and how far the price has moved over each period.
Trend checks
2/4Price above its 50-day average ›
The price of $63.37 is 4.5% below the 50-day simple moving average of $66.39.Price above its 200-day average ›
The price is 0.3% below the 200-day simple moving average of $63.55.50-day average above the 200-day ›
The 50-day average ($66.39) is 4.5% above the 200-day average ($63.55), the arrangement of a rising longer-term trend.In the upper half of its 52-week range ›
The price sits at 60% 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.
Fundamentals
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 8.03 is 51.4% below the Financial Services median of 16.5.P/S below the sector median ›
The price-to-sales ratio of 2.49 is 34.4% 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 $3.7B, a net margin of 31.2%.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 2.89%, or $1.83 a share a year.
Key statistics
The headline figures for ZION.
As of October 18, 2026, ZION trades at $63.37, with a market value of $9.25B, a P/E ratio of 8.03 and a dividend yield of 2.89%.
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 8.03, which is 51.4% below the Financial Services median of 16.5. The peer comparison on this page calls this a discount to peers. Its price-to-sales ratio of 2.49 is 34.5% below the sector median of 3.8. To put the size in context, the market capitalisation is $9.2B and trailing earnings are $7.85 a share.
ZION is growing faster than the sector median. Revenue rose 35.20% in the latest year, compared with a sector median of 11.7%. The company keeps a net margin of 31.76% and an operating margin of 52.12%, and its return on equity of 16.40% sits above the sector median of 13.8%. On the balance sheet, debt-to-equity is 0.00, and the trailing dividend yield is 2.89%, equal to $1.83 a share per year.
ZION's most recent earnings report, released on July 20, 2026, beat the estimate by 58.85%. EPS came in at $3.05, against the $1.92 analysts had forecast. Even so, the share price moved the other way, falling 3.95% in the following session.
The earnings record shows 7 beats in 8 reports; even so, 3 of those 7 beats were followed by a lower share price the next session. Earlier, the stock rose 4.21% after the January 20, 2026 report, a beat of 12.10%. Looking ahead, analysts expect EPS of $6.60 this fiscal year (growth of 13.2%) and $6.84 the year after (growth of 3.7%).
Normal swings for ZION run at about 1.17% a day. Until the price regains its moving averages, the trend works against holders.
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 (-51%), which may indicate undervaluation or specific company headwinds.
Return vs XLF: Since May 6, 2025, ZION has gained 39.6% against a gain of 12.9% 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.
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 |
|---|---|---|---|---|---|
| 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% |
| Oct 21, 2024after close | $1.17 | $1.34 | +14.53% | +6.21% | +6.21% |
As of October 18, 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 July 20, 2026, came in 58.85% above the estimate and the stock moved -3.95% 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.
AI analysis and technicals
CleaRank's score and reasoning, the indicators behind it, and what the price moves with.
Momentum checks
1/3RSI not overbought or oversold ›
The 14-day RSI is 45.8, in neutral territory.RSI above 50 ›
An RSI of 45.8 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 negative, so the 12-day average is below the 26-day average.
CleaRank AI analysis of ZION
The score, the reasoning behind it, and what could move the price next.
ZION is in a downtrend. The stock trades at $63.37, 4.54% below its 50-day average of $66.39 and 0.28% below its 200-day average of $63.55. The 50-day average still sits 4.46% above the 200-day, so the longer averages have not yet adjusted to the weaker price. Over the past year, the price is 30.66% above the 52-week low of $48.50, yet 13.59% below the high of $73.34.
A recent pullback sits inside a stronger longer record: the price fell 3.21% over the past month, fell 12.31% over the past three months and rose 35.03% over the past year. The 14-day RSI of 45.8 is in the neutral zone, and the MACD line is negative.
Earnings beat ›
The July 20, 2026 report beat the EPS estimate by 58.85%, and the share price fell 3.95% in the first session after it.
Source: Earnings report, July 20, 2026
Rating reaffirmed ›
Truist Securities kept its Hold rating on October 9, 2026.
Source: Analyst action, Truist Securities, October 9, 2026
- Keep an eye on the two closest levels: the 20-day EMA at $63.45, just above the price, and the 52-week low at $48.50, below it.
- The 14-day RSI reads 45.8, in the neutral zone, with the MACD line negative; readings above 70 or below 30 mark stretched momentum.
- ZION's share price dropped 3.95% in the first session after the July 20, 2026 report, even though the company has beaten estimates in 7 of the last 8 reports.
ZION sits below its 50-day and 200-day moving averages ($66.39 and $63.55), and that is why the trend reads down. A recovery would begin with the price climbing back above the 200-day. The first level overhead is the 20-day EMA at $63.45.
Below the price, the first level to watch is the 52-week low at $48.50. The 14-day RSI of 45.8 sits in the neutral zone, within the 40 to 60 band.
Technical indicators
Momentum and trend for ZION, from its daily closes.
As of October 18, 2026, with ZION at $63.37, its 14-day RSI is 45.8 (neutral territory), its 50-day simple moving average is $66.39 and its 200-day is $63.55.
Calculated by CleaRank on daily closes as of October 18, 2026: Wilder's 14-day RSI, 50- and 200-day simple moving averages, MACD line (12, 26).
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 October 18, 2026, ZION's 1-year correlation of daily returns is +0.57 with S&P 500 (SPY), +0.44 with Nasdaq 100 (QQQ), +0.14 with Bitcoin (BTC) and -0.04 with gold (XAU).
What Wall Street expects
The analysts' target range and how their ratings split.
Analysts checks
1/3Most analysts rate it a buy ›
7 of 23 analysts rate it a buy or strong buy, 12 a hold and 4 a sell.Median target above the price ›
The median 12-month target of $73.00 is 15.2% above the price.More buy ratings than three months ago ›
7 of 23 rate it a buy now, against 7 of 22 three months ago.
ZION Wall Street View
12-month price targets
The price, $63.37, sits below every analyst's target.
Ratings
Recent rating actions
| Date | Firm | Action | Rating |
|---|---|---|---|
| Oct 9, 2026 | Truist Securities | Maintains | Hold |
| Oct 5, 2026 | TD Cowen | Maintains | Hold |
| Oct 1, 2026 | JP Morgan | Maintains | Underweight |
| Oct 1, 2026 | Evercore ISI Group | Maintains | Underperform |
| Oct 1, 2026 | Piper Sandler | Maintains | Neutral |
| Sep 28, 2026 | Morgan Stanley | Maintains | Underweight |
As of October 18, 2026, 23 Wall Street analysts cover ZION: 7 rate it a buy or strong buy, 12 a hold and 4 a sell or strong sell. Their 12-month price targets range from $64.00 to $80.00, with a median of $73.00, 15.2% above the price of $63.37.
Source: TwelveData analyst consensus. Targets and ratings belong to the analysts, not to CleaRank.
A trade plan, if you want one
Entry, stop and target levels from the moving averages and recent volatility. Educational, not advice.
ZION trade plan
Entry, stop and target levels, sized to your account. Change the bias or the risk and every level updates.
Long entry pick an entry style
Risk management
Profit targets (Based on Conservative Entry)
These levels come from ZION's moving averages and recent volatility, not from a forecast. Educational levels, not financial advice; the full disclaimer is at the foot of the page.
Risk profile
How much ZION tends to move, against the market and on its own.
The long record
ZION's worst falls and recoveries, what $10,000 became, and which months have been kind to it.
Track record checks
3/4Average daily move under 2% ›
The price has moved 1.17% on an average day (30-day standard deviation of daily returns).Recovered from its worst fall ›
The worst fall was 67.6%, from February 2022 to May 2023, regained by February 2026.Most 1-year holds ended higher ›
61% of 1-year holding periods in the last 10 years ended with a gain.Beat the S&P 500 since the chart begins ›
$10,000 invested in October 2016 is now worth $27,083, against $41,793 in the S&P 500 (SPY).
ZION Drawdowns & Recovery
As of October 18, 2026, ZION's worst peak-to-trough fall over the last 10 years with dividends reinvested was -67.6% (February 2022 to May 2023); it regained that peak by February 2026, 33 months after the low, and 61% 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 October 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: $27,083 against $41,793.
A $10,000 investment in ZION in October 2016 would be worth about $27,083 today with dividends reinvested, compared with about $41,793 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 +11.03%, up in 10 of 10 years.
Weakest month, March: an average of -10.46%, up in 2 of 10 years.
This month, October: has averaged +0.46%, up in 4 of 9 years. Past seasonality does not repeat on schedule.
Over the last 10 years, ZION's strongest calendar month has been November (average +11.03%, up in 10 of 10 years) and its weakest March (average -10.46%, up in 2 of 10 years).
Average return for each calendar month over the last 10 years, from weekly closing prices with dividends included.
Long-term scenarios
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 10-year Monte Carlo simulation projects that a $10,000 investment in ZION today could grow to about $19,200 by 2036 in the base case, with a 90th-percentile outcome near $94,903 and a 10th-percentile outcome around $3,885. The simulation models price only; at today's 2.89% yield, dividends would add to these figures. Projections are statistical simulations, not guarantees.
ZION Stock Price Prediction: 2030
The same simulation in share prices, year by year.
CleaRank's simulation projects a price near $82.26 for ZION by 2030 in the base case, from $63.37 today (1.3x over 4 years). The 10th-percentile path ends near $29.94. 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 | $40.81 | $67.64 | $112 | |
| 2028 | $35.33 | $72.20 | $148 | |
| 2029 | $32.12 | $77.07 | $185 | |
| 2030 | $29.94 | $82.26 | $226 | |
| 2031 | $28.37 | $87.81 | $272 |
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.
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.
Insider buying: Insiders bought $266K on the open market and sold $10.2M.
As of October 18, 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 |
| May 2, 2025 | Maria Contreras-Sweet
Director
|
Grant | 2.8K | $130.0K |
| May 2, 2025 | Edward F Murphy
Director
|
Grant | 2.8K | $130.0K |
| May 2, 2025 | Barbara A Yastine
Director
|
Grant | 2.8K | $130.0K |
Source: TwelveData, from SEC Form 4 filings
Questions people ask
Answered from the figures on this page, as of October 18, 2026.