US · ZIONP
Zions Bancorporation, National Association
- Sector
- Financial Services · Banks - Regional
- Headquarters
- Salt Lake City, UT 84133-1109
- Website
- zionsbancorporation.com
Price · as of 2025-12-31
$19.11
Market cap 2.87B
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $24.58 | +28.62% |
| Intrinsic Value(DCF) | $33.41 | +74.83% |
| Graham-Dodd Method(GD) | $44.72 | +134.01% |
| Graham Formula(GF) | $43.84 | +129.4% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | $10.40 | $15.45 | $40.84 | $28.77 | $10.02 |
| 2012 | $13.00 | $19.36 | $38.22 | $26.12 | $0.18 |
| 2013 | $11.33 | $18.82 | $43.31 | $27.06 | $1.51 |
| 2014 | $13.40 | $22.28 | $49.35 | $35.93 | $22.80 |
| 2015 | $13.52 | $19.16 | $50.24 | $31.58 | $2.76 |
| 2016 | $15.13 | $22.38 | $61.38 | $36.03 | $46.87 |
| 2017 | $16.17 | $22.71 | $69.48 | $38.30 | $54.43 |
| 2018 | $15.64 | $27.71 | $83.01 | $38.45 | $84.30 |
| 2019 | $17.30 | $18.01 | $81.56 | $37.04 | $68.75 |
| 2020 | $18.58 | $18.78 | $79.34 | $34.70 | $0.00 |
| 2021 | $16.86 | $25.00 | $135.86 | $51.15 | $64.16 |
| 2022 | $15.92 | $68.09 | $125.97 | $29.09 | $120.83 |
| 2023 | $17.53 | $41.75 | $118.52 | $25.95 | $207.35 |
| 2024 | $22.32 | $32.47 | $110.14 | $31.80 | $84.05 |
| 2025 | $19.36 | $24.58 | $91.64 | $44.72 | $43.84 |
AI valuation
Our deep-learning model estimates Zions Bancorporation, National Association's (ZIONP) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $24.58
- Current price
- $19.11
- AI upside
- +28.62%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$33.41
+74.83% upside
Graham-Dodd
$44.72
+134.01% upside
Graham Formula
$43.84
+129.4% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| ZIONP | Zions Bancorporation, Nat… | $19.11 | 2.87B | +29% | +75% | +134% | +129% | 3.17 | 0.40 | 0.58 | -8.78 | 14.79 | 0.47 | 67.05% | 23.77% | 18.18% | 13.51% | -19.67% | 1.01% | 0.64 | 0.75 | 6.04 | 6.04 | 3.02 | 2141.00% | -98.00% | -666.00% | 34.44% | 0.36 | -21.47% | 9.37% | 29.70% | 10.81% | -9.64 | -11.55 | -2.29 | 0.45 |
| BKU | BankUnited, Inc. | $46.70 | 3.51B | +37% | -31% | -17% | +3% | 13.40 | 1.18 | 1.68 | 13.36 | 89.69 | 1.21 | 49.49% | 16.68% | 12.53% | 9.15% | 4.95% | 0.76% | 0.61 | 0.44 | 0.83 | 0.83 | 4.21 | 1494.00% | 584.00% | 589.00% | 12.78% | 0.02 | 8.61% | 2.56% | 34.20% | 45.27% | 14.70 | 11.43 | 2.45 | 0.11 |
| CATY | Cathay General Bancorp | $49.71 | 3.38B | -34% | -18% | -32% | +12% | 10.94 | 1.10 | 2.25 | 4.92 | — | 1.27 | 49.78% | 22.83% | 20.56% | 10.25% | 24.08% | 1.24% | 0.08 | 0.48 | 0.09 | 0.09 | 0.21 | -1872.00% | 611.00% | -1464.00% | 10.41% | 0.02 | 27.40% | 3.13% | 34.30% | 20.72% | 5.18 | 5.05 | 1.18 | -0.57 |
| FBP | First BanCorp. | $21.13 | 3.34B | +147% | +21% | -56% | +21% | 9.92 | 1.78 | 2.49 | -5.28 | 169.70 | 1.83 | 70.74% | 32.80% | 25.04% | 18.87% | -8.27% | 1.56% | 0.34 | 1.36 | 0.34 | 0.34 | -1.43 | 585.00% | 616.00% | 1580.00% | 13.30% | 0.02 | -10.91% | 3.56% | 35.30% | 27.14% | -5.62 | -5.58 | -1.84 | -0.33 |
| FHB | First Hawaiian, Inc. | $24.76 | 3.06B | +54% | -6% | +2% | 0% | 11.35 | 1.13 | 2.68 | 8.21 | 49.56 | 1.77 | 100.00% | 30.32% | 23.65% | 10.26% | 13.06% | 1.16% | 0.00 | — | 0.03 | 0.03 | -0.65 | 2291.00% | 321.00% | -1918.00% | 7.44% | 0.02 | 11.03% | 0.00% | 0.00% | 0.00% | 8.21 | 12.46 | 2.49 | -0.28 |
| FIBK | First Interstate BancSyst… | $34.61 | 3.56B | -43% | -8% | -76% | — | 11.94 | 1.05 | 3.41 | -9.20 | 34.88 | 1.59 | 97.47% | 37.01% | 28.55% | 8.95% | 62.64% | 1.08% | 0.23 | — | 0.66 | 0.66 | 1.07 | 3425.00% | -2852.00% | 431.00% | 9.60% | 0.03 | 71.80% | 5.38% | 64.30% | 38.49% | -9.20 | -10.41 | -3.41 | 0.06 |
| FULT | Fulton Financial Corporat… | $20.45 | 3.68B | +85% | -6% | -11% | +35% | 9.78 | 1.10 | 2.02 | 7.45 | 30.10 | 1.33 | 67.42% | 25.68% | 20.71% | 11.71% | 15.02% | 1.22% | 0.37 | 0.84 | 0.05 | 0.05 | 1.94 | 3248.00% | 503.00% | -2400.00% | 7.43% | 0.01 | 10.91% | 3.69% | 36.10% | 5.41% | 8.12 | 13.87 | 2.09 | -0.76 |
| RNST | Renasant Corporation | $37.65 | 3.58B | -32% | +73% | -17% | +88% | 10.27 | 0.75 | 1.93 | 2.25 | 38.39 | 1.25 | 62.92% | 23.60% | 18.83% | 7.86% | 15.01% | 1.10% | 0.20 | 0.65 | 0.14 | 0.14 | -2.00 | 2674.00% | 1410.00% | -878.00% | 5.77% | 0.01 | 8.89% | 2.68% | 27.50% | 27.04% | 2.54 | 5.38 | 0.60 | -0.58 |
| SNV | Synovus Financial Corp. | $50.05 | 6.95B | -44% | -10% | -55% | -38% | 13.65 | 1.25 | 1.91 | -3.19 | — | 1.38 | 53.84% | 17.67% | 14.09% | 9.25% | -10.56% | 0.80% | 0.36 | 0.42 | 0.22 | 0.22 | -1.67 | -1243.00% | 116.00% | -3883.00% | 11.69% | 0.02 | -16.85% | 3.99% | 54.40% | 9.99% | -3.50 | -2.77 | -0.62 | -0.57 |
| WBS | Webster Financial Corpora… | $72.13 | 11.63B | -51% | -9% | -37% | +22% | 11.41 | 1.21 | 2.59 | -2.06 | 32.38 | 1.82 | 60.80% | 28.49% | 22.67% | 10.77% | 34.14% | 1.23% | 0.45 | 0.83 | 0.41 | 0.41 | 3.13 | 3524.00% | 613.00% | -3839.00% | 7.37% | 0.02 | 28.70% | 2.33% | 26.60% | 7.52% | -2.06 | -3.07 | -0.59 | -0.18 |
| WSBC | WesBanco, Inc. | $34.87 | 3.35B | -13% | +150% | -55% | +55% | 12.87 | 0.70 | 2.06 | 13.18 | — | 1.17 | 61.31% | 19.53% | 15.99% | 5.69% | 6.11% | 0.83% | 0.53 | 0.53 | 0.06 | 0.06 | 4.51 | -996.00% | 1488.00% | 3668.00% | 10.29% | 0.01 | 8.09% | 5.00% | 64.40% | 17.12% | 14.26 | 13.16 | 2.79 | -0.62 |
About Zions Bancorporation, National Association
Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.
- CEO
- Harris Henry Simmons
- Employees
- 9.39K
- Beta
- 0.81
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($33.41 ÷ $19.11) − 1 = +74.83% (DCF, example).