Zions Bancorporation N.A. (ZION) Stock Analysis
Breakout setup
Financial Services · Banks - Regional
Hold if already holding. Not a fresh buy at $63.28, 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 $63.28, 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 63, MACD bullish. Downgraded from BUY WAIT — price $63.32 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 81d 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
10 dimensions · all in-band
Price Targets
Position Sizing
Risk Alerts
Earnings
Verdict History
Frequently Asked Questions
Hold if already holding. Not a fresh buy at $63.28, 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 63, MACD bullish. Downgraded from BUY WAIT — price $63.32 has reached target $62.52. No upside to wait for. Target $62.52 (-1.2%), stop $55.07 (−14.9%), A.R:R -0.3:1. Score 6.2/10, moderate confidence.
Take-profit target: $62.52 (+8.7% upside). Target $62.52 (-1.2%), stop $55.07 (−14.9%), A.R:R -0.3:1. Stop-loss: $55.07.
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 9.7 (forward 9.4). TrendMatrix value score: 6.9/10. 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.