ZION · NASDAQ · STOCK
Zions Bancorporation (ZION) Stock Analysis
$65.23
52W $46.19 – $73.34
65/100
$9.52B
8.3
0.77
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is ZION Bullish or Bearish?
Bullish.
Innellis AI committee rates Zions Bancorporation (ZION) Buy with a composite score of 65/100
, based on 5 analysts with 80% agreement.
Last updated September 20, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.83 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -10.17 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — revenue growing 53.6% yoy -- genuine top-line momentum. Technical Analyst remains cautious — rsi at 28 is in oversold territory (could mean either capitulation or a bounce setup). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- P/E of 8.1 is inexpensive for the broad market — Value
- Price-to-book of 1.2x is a discount to asset value — Value
- ROE of 16.1% shows genuine earnings power backing the valuation — Value
- Dividend yield of 3.0% pays you to wait — Value
- Revenue growing 53.6% YoY -- genuine top-line momentum — Growth
- EPS growing 39.2% YoY — Growth
Bear Case
- RSI at 28 is in oversold territory (could mean either capitulation or a bounce setup) — Technical
- MACD histogram negative -- bearish momentum — Technical
- Price trading below the lower Bollinger Band -- stretched to the downside — Technical
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of September 20, 2026
Overall Committee Score
65/100
Agreement
80%
Analysts
5
Conviction
Contested
Sector Rank
Top 23%
of 211 Financial Services peers
Value Analyst
bullish
78
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 8.1 is inexpensive for the broad market
Growth Analyst
bullish
84
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 53.6% YoY -- genuine top-line momentum
Technical Analyst
bearish
38
/ 100 · High confidence
Price action is deteriorating -- trend and/or momentum are working against this name
− RSI at 28 is in oversold territory (could mean either capitulation or a bounce setup)
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
60
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2518.64)
Investment Thesis Evolution
Committee score moved marginally from 65.2 to 65.2.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 1 appeared.
Analyst-level changes:
- Value Analyst: +1 bullish signal(s).
Comparing 2026-09-19 to 2026-09-20 (1 day apart).
Technical Analysis
RSI (14)
27.9
Oversold
MACD Histogram
-0.277
Bearish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$61.77
Resistance
$66.14
Bollinger %B
-0.01
Below Lower Band
Price vs Moving Averages
EMA 9
$66.98
Below
EMA 21
$67.86
Below
EMA 50
$68.21
Below
EMA 200
$63.61
Above
Fundamental Analysis
Valuation
100
Growth
95
Profitability
68
Financial Health
50
Cash Flow
70
Valuation
P/E Ratio
8.3×
P/B Ratio
1.24×
PEG Ratio
0.19
Dividend Yield
2.81%
52W High
$73.34
52W Low
$46.19
Quality & Growth
ROE
1252.1%
ROA
101.0%
Gross Margin
7140.9%
Operating Margin
2905.5%
Revenue Growth YoY
—
Debt / Equity
0.41
AI Fundamental Assessment
P/E ratio of 8.3 (inexpensive relative to a 15-40x range); Price-to-book of 1.2x; PEG ratio of 0.2 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 12.5%; Return on assets of 1.0%; Net margin of 22.7%; Gross margin of 71.4%; Current ratio of 0.28 (tight short-term liquidity); Debt-to-equity of 0.41; Free cash flow per share is positive (14.02); Most recent quarter beat estimates by 65.3%; 5 consecutive earnings beats; EPS growth accelerating (-11.4% -> +95.5% QoQ); Average YoY EPS growth of 87.1%; Analyst estimates rising over recent quarters
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