NASDAQ: ZION

Zions Bancorporation N.A. (ZION) Stock Analysis & Forecast

Sep 28 close

$63.19−0.64 (−1.0%)

Gekko Brief

AI summary

Zions Bancorporation draws continued analyst attention this week, with Morgan Stanley raising its price target to $78 from $77 while maintaining an "underweight" rating. Separate coverage notes an average "Hold" rating across firms, with a 12-month average price target cited at $72.53. Commentary also points to the stock's 14.8% six-month gain, attributing it to improving revenues, margins and funding, while flagging rising costs and credit risk as ongoing considerations. Coverage continues to reference the company's Q2 2026 results, including EPS of $1.74 that exceeded analyst estimates.

ZION closed at $63.19, down 1%, sitting between its 50-day average of $68.45 and 200-day average of $63.32. The stock's one-month return stands at -7% and its three-month return at -9.1%, against a six-month gain of 14.1% and a one-year gain of 10.3%. The GekkoIndex reads 66.9, placing the stock in the Accumulation zone, though the index has slipped 3.1 points over five days. Price sits 11.1% below Gekko Fair Value of $71.07.

Zions reports next earnings on 19 October 2026, 20 days away, falling inside a typical 20-day holding window; the prior print showed EPS of $3.05 against an estimate of $1.57, with a -4.5% reaction. Options activity shows 1 unusual signal in the last 30 days, with put premium of $292,584 and no call premium recorded. Seasonality over five years shows a -3.3% average return across the next 20 trading days from this point, rising in 1 of those years.

Written by AI and checked automatically against the figures on this page. Generated Sep 29, 2026 from the data above.

Zions Bancorporation N.A. price vs fair value

$71.07$63.19Sep ’25Mar ’26Sep ’26
Close $63.19200-day averageGekko Fair Value $71.07

Zions Bancorporation N.A. quick facts

Market cap
$9.22B
P/E ratio
8
Forward P/E
9.2
EPS, TTM
$7.87
Revenue, TTM
$3.69B
Profit margin
31.8%
Dividend yield
2.87%
Beta
0.77
Volume
1.23M avg 1.52M
1-year return
+10.3%
Typical daily move
±2.3%
Typical 20-day move
±6.6%
50-day average
$68.45
200-day average
$63.32
Next earnings
Oct 19
Shares outstanding
146.0M
52-week range
$46.19$73.34

Zions Bancorporation N.A. swing-trade checklist

Zions Bancorporation N.A. scores 2 supportive, 1 mixed and 3 headwinds across the 6 checklist items with data.

Six things swing traders check before a 20-day hold, read from the latest data.

2 supportive1 mixed3 headwinds

  • Trendmixed

    Averages disagree

    Close $63.19 sits between the 50-day ($68.45) and 200-day ($63.32) averages, or the averages disagree.

    See the chart
  • GekkoIndexsupportive

    66.9, Accumulation

    Reading 66.9 is in the Accumulation zone.

    See the GekkoIndex
  • Fair valuesupportive

    11.1% below

    Price is 11.1% below Gekko Fair Value (more than 5% below).

    See fair value
  • Smart moneyheadwind

    Leans bearish

    Last 30 days: 1 unusual options signal.

    See smart money
  • Earnings riskheadwind

    Reports in 20 days

    Reports on Oct 19, 2026, 20 days away — inside a typical 20-trading-day hold.

    See earnings
  • Seasonalityheadwind

    −3.3% on average

    From this point in the calendar, the next 20 trading days averaged −3.3% over 5 years, rising in 1 of them.

    See seasonality

A description of current data, not a recommendation. How this page works

Zions Bancorporation N.A. stock chart and price history

Zions Bancorporation N.A. closed at $63.19 on Sep 28, 2026, +10.3% over the past year, inside a 52-week range of $46.19 to $73.34.

Close50-day average200-day averageVolume
Zions Bancorporation N.A. share price, past year, with 50-day and 200-day moving averages and volume$50$55$60$65$70NovDecJan 2026FebMarAprMayJunJulAugSep63.19

Use the left and right arrow keys to read daily values.

Performance Breakdown

1 month
−7.0%
3 months
−9.1%
6 months
+14.1%
1 year
+10.3%
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About Zions Bancorporation N.A.

Zions Bancorporation operates as a bank serving customers across several western states, including Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. Its work spans corporate lending, business banking geared toward smaller and mid-sized firms, and financing tied to commercial properties. The company has built a presence known for this multi-state reach and the variety of financial products it offers.

In addition to lending to businesses, Zions provides finance services to municipalities and public entities, along with retail banking that includes home loans, trust administration, wealth planning, private banking for individual clients, and capital markets offerings. These services reach a mix of business, government, and individual customers throughout its footprint. Near the close of 2020, the bank ran a network totaling 422 branches, made up of both owned properties and leased ones.

The company dates back to 1873 and keeps its headquarters in Salt Lake City, Utah. For a stretch of time it went by the name ZB, National Association, before switching to its present title, Zions Bancorporation, National Association, in September 2018. Shares of the company trade on the NASDAQ under the ticker ZION.

Listed
NASDAQ
Sector
Finance
Industry
Major banks
Website
zionsbancorporation.com

Zions Bancorporation N.A. GekkoIndex: the smart money zone

Zions Bancorporation N.A.’s GekkoIndex — Gekko’s 0 to 100 smart money score — reads 66.9, in the Accumulation zone, down 3.1 points over five sessions.

010066.9Accumulation

Down 3.1 points over five sessions, from the Buying zone.

Reading for Sep 28, 2026

What followed past readings in each zone

ZoneReadings5 days10 days20 days50 days
Buying22+2.2%+2.7%+0.7%+4.2%
Accumulation (current zone)189+0.7%+1.5%+4.4%+8.9%
Neutral407+0.3%+0.7%+1.5%+4.0%
Distribution530.0%−1.0%−3.6%−1.2%
Selling1Too few readings yet

Average ZION share-price change over the trading days after each daily reading in its GekkoIndex history. Across every stock Gekko tracks, Accumulation readings averaged +2.3% over 20 days. Past behaviour doesn’t guarantee future results.

Accumulation zone: Institutional interest building. About the five zones →

See every daily GekkoIndex reading plotted over the ZION price, zone by zone.Track ZION in Gekko

Is Zions Bancorporation N.A. stock overvalued? Gekko Fair Value

Zions Bancorporation N.A. trades 11.1% below Gekko Fair Value of $71.07, so the shares are undervalued on Gekko’s estimate.

Gekko’s own estimate of what Zions Bancorporation N.A. shares are worth, recalculated every trading day.

$71.07

Gekko Fair Value, Sep 26, 2026

11.1% Undervalued

How Gekko Fair Value works →

Gekko Fair Value on every chart, with the gap to price updating daily.Open ZION in Gekko

Zions Bancorporation N.A. insider and Congress trading

No open-market insider purchases were filed for Zions Bancorporation N.A., and no Congress trades were disclosed, in the last 90 days.

Plus buybacks, unusual options and fund positions, each dated to when it became public.

Insider buying last 90 days

No open-market insider purchases were filed for ZION in the last 90 days.

From Form 4 filings, dated to when each was filed.

Every ZION insider filing, plotted on the chart in Gekko.Open ZION in Gekko

Congress trades last 90 days

No trades in ZION were disclosed by members of Congress in the last 90 days.

From congressional disclosures, which report amounts as ranges.

Congress disclosures for ZION, plotted on the chart in Gekko.Open ZION in Gekko

Buybacks

Zions Bancorporation N.A. has been buying back its own shares.

Bought back, quarter ended Jun 30, 2026
$152.0M
As a share of market cap
1.65%

From company filings.

Unusual options activity last 30 days

1signal, 0% of the flagged premium in calls.

Latest: Bullish flow on Sep 19, $293K in unusual premium.

Hedge funds and billionaires quarter ended Dec 31

0of the funds Gekko tracks hold ZION.

0added0opened0trimmed1sold out
Every signal with its contract, strike and premium, and which funds are on each side.Unlock in Gekko

Zions Bancorporation N.A. earnings: next date and track record

Zions Bancorporation N.A. reports on Oct 19, 2026 (20 days away), and beat the EPS estimate in 8 of its last 8 reports.

8 of 8reports beat the EPS estimate
±2.5%average move across the report
5 of 8reports followed by a gain

Share-price move across each report

+2.5%Oct ’24+0.1%Jan ’25−2.6%Apr ’25+0.1%Jul ’25+6.1%Oct ’25+3.3%Jan ’26−1.1%Apr ’26−4.5%Jul ’26

Last earnings call, Jul 20, 2026 AI summary

What they said
Zions Bancorporation reported Q2 2026 EPS of $3.05, including a $215M pretax gain on Visa Class B-1 share liquidation and $37M unrealized SBIC gain. Adjusted EPS was $1.74, up 10% year-over-year. Net interest margin held stable at 3.27%, up 10 bps annually. Average loans grew 4.7% annualized, deposits grew 4.0%, and credit losses remained low at 6 bps. Adjusted pre-provision net revenue rose 10% to $332M.
Guidance
Management excluded the pending Basis Investment Group acquisition from current outlook, expecting financial benefits to build gradually post-integration. The deal is expected to close in Q3 2026, enhancing commercial real estate and capital markets capabilities.
ReportedEPSSurpriseRevenueSurpriseMove
Jul 20, 2026$3.05
est $1.57
+94.3%$878.0M
est $875.9M
+0.2%−4.5%
Apr 20, 2026$1.56
est $1.42
+9.9%$849.0M
est $856.2M
−0.8%−1.1%
Jan 20, 2026$1.75
est $1.57
+11.5%$891.0M
est $864.7M
+3.0%+3.3%
Oct 20, 2025$1.54
est $1.46
+5.5%$861.0M
est $843.1M
+2.1%+6.1%
Jul 21, 2025$1.58
est $1.31
+20.6%$838.0M
est $810.9M
+3.3%+0.1%
Apr 21, 2025$1.24
est $1.19
+4.2%$795.0M
est $796.4M
−0.2%−2.6%
Jan 21, 2025$1.34
est $1.25
+7.2%$820.0M
est $787.7M
+4.1%+0.1%
Oct 21, 2024$1.37
est $1.17
+17.1%$792.0M
est $778.3M
+1.8%+2.5%

“Move” is the close of the first session after the report compared with the close of the last session before it, so it reads the same whether the company reported before the open or after the close.

Zions Bancorporation N.A. stock forecast and analyst price targets

Analysts’ average 12-month price target for Zions Bancorporation N.A. is $74.73, +18.3% from the last close, from 17 firms rating the stock in the last 90 days.

$74.73consensus 12-month target, +18.3% from the last close
Low $68High $84
Buy4
Hold9
Sell4

Each firm’s latest rating in the last 90 days: 17 firms.

Latest analyst actions

DateFirmRatingTargetvs price
Sep 28Morgan StanleySell, reiterated$78+23.4%
Sep 16BarclaysSell, maintained$72+13.9%
Sep 14UBSBuy, upgraded$78+23.4%
Sep 8Morgan StanleySell, downgraded$77+21.9%
Aug 31KBWHold, reiterated$75+18.7%
+4.4%average 20-day move after past Accumulation readings
−3.3%average move over the next 20 trading days in the last 5 years
±2.3%typical daily move, from the 14-day average range

Gekko doesn’t publish price predictions. These are analyst targets and historical base rates, which don’t guarantee future results.

Zions Bancorporation N.A. seasonality: the next 20 trading days

Over the next 20 trading days from Sep 29, Zions Bancorporation N.A. averaged −3.3% across the last 5 years, rising in 1 of them.

Next 20 trading days, by year

−1.3%2021−2.7%2022−15.6%2023+11.2%2024−7.3%2025

Average move and hit rate

WindowAverageYears higher
Next 5 trading days−0.2%2 of 5
Next 10 trading days−0.7%1 of 5
Next 15 trading days−3.9%2 of 5
Next 20 trading days−3.3%1 of 5
Next 30 trading days+3.6%3 of 5

For scale, ZION’s typical 20-trading-day move in either direction is about 6.6%.

Zions Bancorporation N.A. market cap and key statistics

Zions Bancorporation N.A.’s market cap is $9.22B, with a P/E ratio of 8 and revenue of $3.69B over the last twelve months.

Valuation

Market cap
$9.22B
P/E ratio
8
Forward P/E
9.2
EPS, TTM
$7.87
Gekko Fair Value
$71.07

Trading

Volume
1.23M
Avg volume, 20 days
1.52M
52-week high
$73.34
52-week low
$46.19
Shares outstanding
146.0M

Financials

Revenue, TTM
$3.69B
Profit margin
31.8%
Return on equity
16.4%
Quarterly earnings growth, YoY
+87.1%

Risk and income

Beta
0.77
Typical daily move
±2.3%
Typical 20-day move
±6.6%
Dividend yield
2.87%

Zions Bancorporation N.A. stock news this week

Coverage of Zions Bancorporation N.A. this week reads positive: 8 positive, 3 neutral and 0 negative headlines.

News sentiment positive

Zions Bancorporation N.A. peers

Zions Bancorporation N.A.’s 6 largest industry peers by market value, with today’s move, GekkoIndex zone and gap to Gekko Fair Value.

StockTodayGekkoIndex zonevs Fair Value
JPMJP Morgan Chase−1.5%Accumulation6.9% below
BACBank of America−1.7%Buying13.8% below
RYRoyal Bank Of Canada−0.3%Accumulation3.6% below
WFCWells Fargo−2.3%Accumulation12.4% below
CCitigroup−1.7%Neutral7.8% below
TDToronto Dominion Bank−0.8%Accumulation0.8% above

A peer links to its own page where one exists.

In the Buying zone today

Reporting earnings this week

Popular on Gekko

Zions Bancorporation N.A. stock FAQ

What is Zions Bancorporation N.A.’s market cap?

Zions Bancorporation N.A.’s market cap is $9.22B at the Sep 28, 2026 close of $63.19, with 146.0M shares outstanding. The shares trade on a P/E ratio of 8.

What is the Zions Bancorporation N.A. stock forecast?

The consensus analyst 12-month price target for Zions Bancorporation N.A. is $74.73, +18.3% from the last close. Of the 17 firms that rated the stock in the last 90 days, 4 rate it a buy, 9 a hold and 4 a sell. Gekko doesn’t publish price predictions of its own.

Is Zions Bancorporation N.A. stock overvalued or undervalued?

On Gekko’s estimate Zions Bancorporation N.A. is undervalued: the Sep 28, 2026 close of $63.19 is 11.1% below Gekko Fair Value of $71.07. Gekko Fair Value is recalculated every trading day, and a gap inside 5% either way counts as about fair value.

When does Zions Bancorporation N.A. report earnings next?

Zions Bancorporation N.A. is expected to report on Oct 19, 2026 (20 days away). Analysts expect earnings of $1.63 per share on revenue of $890.7M. Zions Bancorporation N.A. beat the earnings estimate in 8 of its last 8 reports, moving 2.5% on average across the report.

What is Zions Bancorporation N.A.’s 52-week high and low?

Zions Bancorporation N.A.’s 52-week high is $73.34 and its 52-week low is $46.19; it closed at $63.19 on Sep 28, 2026, +10.3% over the past year. Over the last five years the shares peaked at $75.44 on Feb 10, 2022.

Is Zions Bancorporation N.A. stock a buy right now?

Gekko describes the data; it does not make buy or sell recommendations. On the swing-trade checklist, 2 of the 6 items with data read as supportive (gekkoindex and fair value), 1 as mixed (trend) and 3 as headwinds (smart money, earnings risk and seasonality). The checklist is a description of current data, not a recommendation.

Is there unusual options activity in Zions Bancorporation N.A.?

Gekko flagged 1 unusual options signal in Zions Bancorporation N.A. over the last 30 days, with $0 of flagged premium in calls and $293K in puts. The latest, bullish flow, was on Sep 19, 2026 with $293K in unusual premium. The signal-by-signal table is in Gekko.

How this page works

During US trading hours the price at the top of the page is a delayed quote, refreshed every 15 minutes; everything else is rebuilt after each US market close. The GekkoIndex, Gekko Fair Value and the checklist are Gekko’s own, and the Gekko Brief is written by AI from this page’s data and checked against it before it is published. How Gekko’s data works →

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