ZION
Financial Services · Banks - Regional
Performance
ZION (ZION) Stock Analysis 2026
Rule-based · Updated daily · Not financial advice
ZION (ZION) operates in the Banks - Regional space within the Financial Services sector. With a market cap of $9.8B, it qualifies as a small-cap company. The company is growing revenue strongly while maintaining healthy profitability — a combination that investors typically reward with a premium valuation.
- Low P/E of 10.3× suggests the stock may be undervalued relative to earnings
- Forward P/E (9.9×) is lower than trailing P/E (10.3×) — analysts expect earnings to improve
- Revenue growth of 10% YoY shows solid business momentum
- Earnings grew 38% YoY — bottom-line is expanding fast
- Exceptional profit margin of 28.4% — the business retains a large share of each dollar earned
- Dividend yield of 2.72% provides consistent income on top of price appreciation
- Price is near its 52-week high — limited near-term upside, higher pullback risk
Verdict
Strong Buy
Multiple fundamental strengths with few red flags. Long-term buyers may find this compelling.
AI Insight
Powered by ClaudeAI-generated analysis for informational purposes only. Not financial advice.
Related Articles
Revenue & Results
Dividends
Current DY
2.72%
5Y Avg Annual
$1.5080
Last Payment
$0.4500
Ex-Date
05/14/2026
Annual dividends paid per share
| Ex-Date | Payment | Amount | Est. DY |
|---|---|---|---|
Latest05/14/2026 | 05/21/2026 | $0.4500 | 2.70% |
02/12/2026 | 02/19/2026 | $0.4500 | 2.70% |
11/13/2025 | 11/20/2025 | $0.4500 | 2.70% |
08/14/2025 | 08/21/2025 | $0.4500 | 2.70% |
05/15/2025 | 05/22/2025 | $0.4300 | 2.58% |
02/13/2025 | 02/20/2025 | $0.4300 | 2.58% |
11/14/2024 | 11/21/2024 | $0.4300 | 2.58% |
08/15/2024 | 08/22/2024 | $0.4100 | 2.46% |
Magic Number
Shares needed to self-fund your next purchase
$66.63
Price
$0.4500
Last div. (quarterly)
149
shares
Own 149 ZION shares ($9,927.87) and each quarterly dividend pays for 1 new share — the snowball runs on its own.
Investment target
$9,927.87
New shares / year
+4 shares
If You Had Invested…
Hypothetical return based on historical prices
* Dividend reinvestment calculated at ex-date price. For informational purposes only.
Earnings
Next Earnings
Jul 20, 2026
34
days
EPS (TTM)
$6.44
P/E (TTM)
10.3
Fwd P/E
9.9
Earnings History
SEC EDGAR · official filings
SEC Filings
Official EDGAR documents
Key Statistics
Valuation
Trading
Dividends
Profitability
Balance Sheet
Fair Value Estimates
Current price: $66.63
Graham Number
√(22.5 × EPS × Book Value)
$83.55
Benjamin Graham's intrinsic value formula. Assumes a fair stock trades at no more than 22.5× the product of EPS and book value per share.
Bazin Ceiling Price
Avg. Annual DPS (5Y) ÷ 6%
$26.93
Décio Bazin's dividend-based ceiling. The max price you should pay so that dividends alone deliver at least 6% annual yield on your cost basis.
These are simplified estimates. Not financial advice.
Buy & Hold Checklist
Quality criteria for long-term holding
8/10
100% score
Pays dividends
15Y hist.15+ years of dividend history
Dividend consistency (5Y+)
15 yrsUninterrupted dividend payments for at least 5 years
ROE above 10%
14.1%Return on equity — measures how efficiently capital is used
Positive profit margin
28.4%Net profit margin must be positive — company earns more than it spends
Revenue growth (annual)
+10.2%Annual revenue must be growing compared to the prior year
Earnings growth (annual)
+37.9%Annual earnings must be growing compared to the prior year
Debt/Equity below 2×
Low financial leverage reduces risk of distress
Current ratio above 1
Short-term assets must cover short-term liabilities
Daily liquidity above $5M
$106M/dayHigh trading volume ensures easy entry and exit
Dividend yield above 0%
2.72%Stock must distribute income to shareholders
Related Assets
Financial Services
About ZION
Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington segments. It offers commercial and small business banking services to small- and medium-sized businesses, such as commercial, industrial, and owner-occupied lending and leasing; municipal and public finance services; depository account and cash management services; commercial and small business cards; merchant processing services; corporate trust services; and correspondent banking and international lending services. The company also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, mergers and acquisitions advisory services, advisory and capital raising, commercial mortgage-backed security conduit lending, and power and project financing; and commercial real estate lending services consisting of term and construction/land development financing for commercial and residential purposes. In addition, it offers retail banking services comprising residential mortgages lending, home equity lines of credit, personal lines of credit, installment consumer loans, depository account services, consumer cards, and personal trust services; and wealth management services consisting of investment management, fiduciary and estate, and advanced business succession and estate planning services. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.
Sector
Financial Services
Industry
Banks - Regional
Location
Salt Lake City, United States
Employees
9,090