Zions Bancorporation N.A. (ZION) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $63.49, but acceptable to hold if already in. Reasons: Single-region cliff: 77% exposure to Utah, Idaho, Texas, and California (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Utah, Idaho, Texas, and California (77.0%).
Zions Bancorporation operates seven affiliate banks across 11 Western U.S. states with approximately $89B in total assets and $3.4B net revenue in 2025. Revenue comes from net interest income and fees serving over one million customers through 407 branches in commercial banking,... Read more
Hold if already holding. Not a fresh buy at $63.49, but acceptable to hold if already in. Reasons: Single-region cliff: 77% exposure to Utah, Idaho, Texas, and California (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Utah, Idaho, Texas, and California (77.0%). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Downgraded from BUY WAIT — price $63.49 has reached target $62.52. No upside to wait for. Score 6.2/10, moderate confidence.
Passes 6/8 gates (positive momentum, clean insider activity, no SEC red flags, news boost analyst 0.60, earnings proximity 80d clear, semi cycle peak clear). Fails on favorable risk/reward ratio and finsvc regional cliff hard block. Suitability: moderate.
Thesis
Key Metrics
Quality Signals
Options Flow
Concentration Risks(10-K Item 1A)
- HIGHGeographicUtah, Idaho, Texas, and California77%10-K Item 1A: 'our banking operations in Utah, Idaho, Texas, and California represented 77% of our commercial lending portfolio'
- MEDIUMTenantoil and gas-related lending10-K Item 1A: 'We have a concentration of risk within our loan portfolio, including, but not limited to, loans secured by real estate, oil and gas-related lending'
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer
Rating Breakdown
1 floor-breaker
Technicals below the gate floor. Component breakdown shows what dragged the score down.static
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $63.49, but acceptable to hold if already in. Reasons: Single-region cliff: 77% exposure to Utah, Idaho, Texas, and California (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Utah, Idaho, Texas, and California (77.0%). Chart setup: Golden cross, above all MAs, RSI 61, MACD bullish. Downgraded from BUY WAIT — price $63.49 has reached target $62.52. No upside to wait for. Target $62.52 (-1.5%), stop $56.26 (−12.9%), A.R:R -0.4:1. Score 6.2/10, moderate confidence.
Take-profit target: $62.52 (+6.5% upside). Target $62.52 (-1.5%), stop $56.26 (−12.9%), A.R:R -0.4:1. Stop-loss: $56.26.
Single-region cliff: 77% exposure to Utah, Idaho, Texas, and California (≥60% threshold). Regional macroeconomic shock = idiosyncratic terminal risk.; Concentration risk — Geographic: Utah, Idaho, Texas, and California (77.0%); Analyst target reached - limited upside remaining.
Zions Bancorporation N.A. trades at a P/E of 9.8 (forward 9.5). TrendMatrix value score: 6.8/10. Verdict: Hold.
30 analysts cover ZION with a consensus score of 3.6/5. Average price target: $68.
What does Zions Bancorporation N.A. do?Zions Bancorporation operates seven affiliate banks across 11 Western U.S. states with approximately $89B in total...
Zions Bancorporation operates seven affiliate banks across 11 Western U.S. states with approximately $89B in total assets and $3.4B net revenue in 2025. Revenue comes from net interest income and fees serving over one million customers through 407 branches in commercial banking, CRE lending, and retail banking.