Zions Bancorporation, N.A. research snapshot
ZION AI stock analysis currently describes Zions Bancorporation as a profitable regional bank with improving net interest income, healthy Q1 2026 credit metrics, and a local relationship model across commercial, small business, consumer, capital markets, and wealth management. At the July 11, 2026 data cutoff, the latest verified close was $70.66 and the calculated market cap was about $10.39 billion using 147.09 million shares. The stock traded near 11.0x trailing earnings and 1.44x book value, so the central question is whether loan growth, deposit funding, credit quality, and capital returns can justify a premium to book. This is informational research, not investment advice.
Current price
$70.66 close on July 10, 2026
Market cap
$10.39 billion calculated market cap
AI score
74 / 100
Rating
Solid regional bank, priced for steady execution
Trend status
Positive trend, near the 52-week high
Data cutoff (updated weekly)
July 11, 2026
Informational use only. This page is not investment advice.
| Dimension | Conclusion | Confidence |
|---|---|---|
| Business quality | Zions earns spread income and fees from relationship banking across ten western states, with commercial, small business, consumer, capital markets, and wealth-management offerings. | High |
| Moat | Local brands, customer relationships, regional knowledge, branch and office access, product breadth, and a modern integrated core create a useful moat, but not a software-style network effect. | Medium |
| Management | Harris Simmons has led Zions as CEO since 1990 and chairman since 2002, giving the company long operating continuity. The test is whether the team can grow deposits and fees while preserving underwriting discipline and capital strength. | Medium-high |
| Financial trend | StockAnalysis shows 2025 revenue before credit losses of $3.385 billion and net income of $899 million. Q1 2026 GAAP net income rose to $233 million from $170 million in Q1 2025, while net interest income rose 6% to $662 million. | High |
| Valuation | At $70.66, the financial rigor check produced about 10.99x TTM PE, 1.44x price-to-book, 8.68x the reported free-cash-flow proxy, and a 2.55% dividend yield. | Medium-high |
| Technical trend | The price was above the 50-day average near $63.93 and the 200-day average near $58.80, with RSI near 64.79. Momentum was positive but close to a recent high zone. | Medium |
| Risk level | Key risks are deposit repricing or outflows, net interest margin compression, commercial real estate losses, regulation, liquidity confidence, and a broad regional-bank valuation reset. | High |
| AI confidence | Confidence is high for descriptive facts and exact calculations, but lower for forecasts because future bank earnings depend on rates, credit costs, deposits, and the shape of the yield curve. | High data confidence |
| Investment certainty | Medium certainty. The bank is profitable and well-capitalized, but the current price leaves less room for a credit or funding surprise than a distressed valuation would. | Medium |
ZION AI stock forecast
The ZION AI stock forecast uses $70.66 as the reference price, $6.43 TTM EPS, 3 years, and three scenario assumptions calculated with financial_rigor.py. The resulting point estimates were $105.3 for the bullish case, $81.9 for the base case, and $44.1 for the bearish case. These are conditional ranges, not promises. They depend on earnings growth, credit costs, the required return on bank equity, and the price-to-earnings multiple investors assign to ZION.
$95 to $115
More likely if loan growth stays healthy, customer deposits expand, net interest income compounds near the high single digits, charge-offs remain contained, capital returns continue, and the market values ZION near a 13x earnings multiple.
$75 to $90
More likely if EPS grows about 5% annually, net interest margin remains broadly stable, credit costs normalize without a shock, and the market keeps ZION near an 11x earnings multiple.
$35 to $50
More likely if deposits become expensive or leave, commercial real estate and business credit losses rise, EPS falls about 5% annually, and investors re-rate the bank toward an 8x earnings multiple.
ZION AI technical analysis
ZION AI technical analysis is constructive but extended near the July 2026 high zone. The July 10 close was $70.66, while StockAnalysis reported a 50-day moving average near $63.93, a 200-day moving average near $58.80, RSI near 64.79, and average 20-day volume near 1.83 million shares. Investing.com reported a recent 52-week high of $71.26 and July 10 volume of about 1.13 million shares. Because this is a static page, confirm live levels before acting.
| Level | Value | Why it matters |
|---|---|---|
| Current price | $70.66 | Latest verified close used for this page, dated July 10, 2026. |
| Near support | $68.00 to $69.00 | A short-term support zone based on recent July lows and the prior consolidation area. |
| 50-day moving average | About $63.93 | The price remained above this intermediate trend reference in the latest StockAnalysis snapshot. |
| 200-day moving average | About $58.80 | A sustained break below this level would weaken the longer-term trend structure. |
| Near resistance | $70.86 to $71.26 | Recent highs and the reported 52-week high zone. A breakout needs follow-through and participation. |
| Momentum | RSI about 64.79 | Positive momentum without a confirmed overbought reading, but the stock is closer to a high zone than a reset zone. |
| Volume | 1.83 million average shares; 1.13 million on July 10 | A move through resistance would be more credible if volume expands toward or above its recent average. |
| Volatility | 5-year beta about 0.79 | The lower beta does not remove gap risk around earnings, bank failures, credit events, or regulatory news. |
| Invalidation | Close below $63.93, then $58.80 | A break below the 50-day area weakens the short-term setup. A break below the 200-day area challenges the longer trend. |
ZION AI trading strategy
The ZION AI trading strategy is a rules-based research framework, not personalized advice. It combines price and volume confirmation with the bank metrics that can invalidate a technical setup, including deposits, net interest margin, charge-offs, classified loans, and CET1 capital.
Watch for ZION to hold above the $63.93 50-day area and clear the $70.86 to $71.26 resistance zone with stronger volume before treating the breakout as confirmed.
A failed breakout or daily close below the 50-day area should reduce confidence. Avoid sizing a position from price action alone before the next earnings report.
If ZION pulls back toward $63.93 without a credit or funding thesis break, compare price stabilization with deposit growth, net interest margin, classified loans, and the upcoming earnings report.
Do not average down solely because the stock trades near book value or a low PE. Define maximum portfolio risk and review bank-specific balance-sheet data first.
Track the July 20, 2026 earnings release, customer deposits, loan growth, NIM, provision for credit losses, nonperforming assets, classified loans, CET1, capital returns, and regulatory changes.
Lower confidence if deposit costs rise, funding mix worsens, charge-offs accelerate, classified loans increase, or capital ratios fall while the stock remains near a high valuation zone.
Investment research summary
Zions turns local customer relationships and balance-sheet capacity into interest income, payment and account fees, capital-markets fees, wealth-management revenue, and other banking services. Its core customers include businesses, small companies, consumers, and community institutions across western states.
The moat comes from local brands, regional credit knowledge, customer relationships, branch and office access, product breadth, and an integrated deposit and loan core. These advantages can support retention, but large banks and fintechs can compete for the same deposits and lending relationships.
The thesis can fail through a funding event, sharp deposit repricing, net interest margin compression, commercial real estate losses, fraud, a liquidity scare, or a regulatory capital shock. The Q1 2026 credit metrics were strong, but a clean quarter does not eliminate cycle risk.
Harris Simmons has led Zions for decades, while Scott McLean serves as president and COO and R. Ryan Richards as CFO. The 2026 proxy reported 2.10 million shares held by directors and executive officers as a group, or 1.43% of common stock. Long tenure helps continuity, but key-person and succession risk still deserve monitoring.
Regional banking is a mature industry rather than a civilization-level growth market. The long-term opportunity is to combine local service with digital delivery, stronger data systems, payments, capital markets, and wealth management. The tradeoff is high regulation, rate sensitivity, and intense competition for stable deposits.
At $70.66, the calculated valuation was about 10.99x TTM PE and 1.44x book value, with a 2.55% dividend yield. That is not an extreme price for a profitable bank, but the margin of safety depends on credit losses and funding costs staying controlled because book value can fall when asset quality or liquidity confidence deteriorates.
Source-backed data
Every metric below includes a source and last verification date.
| Metric | Value | Source | Last verified |
|---|---|---|---|
| ZION closing price | $70.66 on July 10, 2026 | Investing.com and Macrotrends historical price snapshots | July 11, 2026 |
| Market capitalization | $10.39 billion, calculated as $70.66 x 147.09 million shares | financial_rigor.py using SEC shares outstanding, cross-checked with StockAnalysis | July 11, 2026 |
| Q1 2026 net income and diluted EPS | $233 million GAAP net income, $232 million net earnings applicable to common, and $1.56 diluted EPS | Zions Q1 2026 earnings release and SEC Form 10-Q | July 11, 2026 |
| Q1 2026 net interest income and margin | $662 million and 3.27%, with NII up 6% year over year | Zions Q1 2026 earnings release and SEC Form 10-Q | July 11, 2026 |
| Q1 2026 loans, deposits, and assets | $61.3 billion loans and leases, $76.9 billion deposits, and $87.96 billion total assets | SEC Form 10-Q and Zions Q1 2026 earnings release | July 11, 2026 |
| Q1 2026 credit quality and capital | 0.03% annualized net charge-offs, 0.48% nonperforming assets, 3.80% classified loans, and about 11.5% to 11.6% CET1 | Zions Q1 2026 earnings release and SEC Form 10-Q | July 11, 2026 |
| 2025 annual financial trend | $3.385 billion revenue before credit losses, $899 million net income, and $6.01 diluted EPS | SEC 2025 Form 10-K and StockAnalysis annual financials | July 11, 2026 |
| TTM third-party cash-flow proxy | $1.20 billion free cash flow proxy and $8.14 per share, with bank-specific comparability limits | StockAnalysis; this is not a substitute for bank capital and liquidity analysis | July 11, 2026 |
| Management ownership | Directors and executive officers held 2.10 million shares, or 1.43%, as reported in the 2026 proxy | Zions 2026 definitive proxy statement filed with the SEC | July 11, 2026 |
| Technical snapshot | 50-day MA about $63.93, 200-day MA about $58.80, RSI about 64.79, and beta about 0.79 | StockAnalysis statistics, checked against recent Investing.com price history | July 11, 2026 |
| Valuation math | 10.99x PE, 1.44x PB, 8.68x reported FCF proxy, and 2.55% dividend yield | financial_rigor.py using StockAnalysis TTM inputs | July 11, 2026 |
This ZION AI stock analysis is an informational tool for research and education only. It is not investment advice, a recommendation, or a guarantee of future performance. Forecast ranges are conditional scenarios based on available data as of July 11, 2026 and can be wrong. Bank cash, liquidity, and free-cash-flow figures can use different definitions across sources, so readers should review primary filings before making decisions.
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