Zions Bancorporation (ZION) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Zions Bancorporation stock (ZION) is currently trading at $57.20. Zions Bancorporation PE ratio is 9.35. Zions Bancorporation PS ratio (Price-to-Sales) is 2.51. Analyst consensus price target for ZION is $66.27. WallStSmart rates ZION as Moderate Buy.
- ZION PE ratio analysis and historical PE chart
- ZION PS ratio (Price-to-Sales) history and trend
- ZION intrinsic value — DCF, Graham Number, EPV models
- ZION stock price prediction 2025 2026 2027 2028 2029 2030
- ZION fair value vs current price
- ZION insider transactions and insider buying
- Is ZION undervalued or overvalued?
- Zions Bancorporation financial analysis — revenue, earnings, cash flow
- ZION Piotroski F-Score and Altman Z-Score
- ZION analyst price target and Smart Rating
Zions Bancorporation
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ZION Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Zions Bancorporation (ZION)
ZION trades at a significant discount to its Graham intrinsic value of $281.27, offering a 78% margin of safety — a level value investors typically seek before buying.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Zions Bancorporation (ZION) · 10 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in operating margin, price/book, eps growth. Concerns around peg ratio. Overall metrics suggest strong investment potential with favorable risk/reward.
Zions Bancorporation (ZION) Key Strengths (6)
Keeps $39 of every $100 in revenue after operating costs
Earnings per share surging 31.40% year-over-year
Keeps $27 of every $100 in revenue as net profit
82.03% of shares held by major funds and institutions
Trading at 1.12x book value, attractively priced
Mid-cap company balancing growth potential with stability
Supporting Valuation Data
Zions Bancorporation (ZION) Areas to Watch (4)
Very expensive relative to growth, significant premium
Moderate profitability with room for improvement
Revenue is fairly priced at 2.51x sales
Solid revenue growth at 13.60% per year
Zions Bancorporation (ZION) Detailed Analysis Report
Overall Assessment
This company scores 73/100 in our Smart Analysis, earning a B grade. Out of 10 metrics analyzed, 6 register as strengths (avg 9.2/10) while 4 fall into concern territory (avg 4.8/10). All four categories (Growth, Profitability, Valuation, and Quality) show healthy scores, indicating broadly sound fundamentals.
The Bull Case
The strongest argument centers on Operating Margin, EPS Growth, Profit Margin. Valuation metrics including Price/Book (1.12) suggest the stock is attractively priced. Profitability is solid with Operating Margin at 38.80%, Profit Margin at 27.10%. Growth metrics are encouraging with EPS Growth at 31.40%.
The Bear Case
The primary concerns are PEG Ratio, Return on Equity, Price/Sales. Some valuation metrics including PEG Ratio (3.74), Price/Sales (2.51) suggest expensive pricing. Growth concerns include Revenue Growth at 13.60%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.50%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether PEG Ratio improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.50% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 13.60% needing to reaccelerate.
Risk Considerations
Based on the metric profile, this is a moderate risk investment. The weight of evidence leans positive, with more strengths than concerns. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
The combination of Operating Margin and EPS Growth makes a compelling case at current levels. The key risk is PEG Ratio, but the overall fundamental picture is positive with a clear path to maintaining or improving the current B grade.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
ZION Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
ZION's Price-to-Sales ratio of 2.51x trades at a 22% premium to its historical average of 2.05x (71th percentile). The current valuation is 52% below its historical high of 5.27x set in Feb 2006, and 470% above its historical low of 0.44x in Feb 2009.
WallStSmart Analysis Synopsis
Data-driven financial summary for Zions Bancorporation (ZION) · FINANCIAL SERVICES › BANKS - REGIONAL
The Big Picture
Zions Bancorporation is a mature, profitable business with steady cash generation. Revenue reached 3.3B with 14% growth year-over-year. Profit margins are strong at 27.1%, reflecting pricing power and operational efficiency.
Key Findings
Profit margin of 27.1% and operating margin of 38.8% demonstrate strong pricing power and operational efficiency.
Generating 410M in free cash flow and 448M in operating cash flow. Earnings are translating into actual cash generation.
What to Watch Next
Dividend sustainability with a current yield of 3.2%. Watch payout ratio and free cash flow coverage.
Debt management: total debt of 4.6B is significantly higher than cash (683M). Monitor refinancing risk.
Sector dynamics: monitor BANKS - REGIONAL industry trends, competitive moves, and regulatory changes that could impact Zions Bancorporation.
Bottom Line
Zions Bancorporation is a well-established business delivering consistent profitability with 27.1% margins. The growth phase may be slowing, but strong cash generation and operational efficiency make it suitable for investors seeking reliability over excitement.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions(114 last 3 months)
| Insider | Type | Shares |
|---|---|---|
STEPHENS, STEVEN DAN Executive Vice President, Division CEO | Sell | -95 |
| Insider | Type | Shares |
|---|---|---|
STEPHENS, STEVEN DAN Executive Vice President, Division CEO | Sell | -84 |
| Insider | Type | Shares |
|---|---|---|
SIMMONS, HARRIS H Director, Chairman & CEO | Buy | +4,500 |
Data sourced from SEC Form 4 filings
Last updated: 5:49:57 PM
About Zions Bancorporation(ZION)
NASDAQ
FINANCIAL SERVICES
BANKS - REGIONAL
USA
Zions Bancorporation is a bank holding company headquartered in Salt Lake City, Utah.