ZION Stock Analysis: Buy, Sell, or Hold?
ZION - Zions Bancorporation N.A.
$59.91
0.48 (0.81%)
▲
BUY
MODERATE Confidence
Last Updated: January 30, 2026
Earnings: Apr 20, 2026
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Interactive Price Chart (1 Month)
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Bottom Line:
💡 BUY OPPORTUNITY: ZION shows positive signals but monitor for confirmation. Market pricing in 1.1% decline. Moderate conviction.
💡 BUY OPPORTUNITY: ZION shows positive signals but monitor for confirmation. Market pricing in 1.1% decline. Moderate conviction.
Long-Term Wealth Forecast (2031)
Based on Analyst Consensus Growth & Historical Valuation
0% (Stagnation)
50% (Hyper Growth)
EST. PRICE IN 2031
$77.78
Based on 4.9% avg growth
INTRINSIC VALUE TODAY
$48.30
Trading above fair value
How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.4x Exit PE.
In-depth Analysis How we analyze
Valuation Analysis: ZION is currently trading at $59.91, which is considered fair relative to its 30-day fair value range of $58.75 to $60.40. The stock's valuation (Forward PE: 9.1) is in line with its historical norms (9.4). Remarkably, the market is currently pricing in an annual earnings decline of 1.1% over the next few years. This pessimistic expectation contrasts with the company's recent 31.4% earnings growth, suggesting potential undervaluation if the company simply maintains stability.
Technical Outlook: Technically, ZION is in a strong uptrend. Immediate support is located at $57.77, while resistance sits at $62.26.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $66.05 (+11.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Technical Outlook: Technically, ZION is in a strong uptrend. Immediate support is located at $57.77, while resistance sits at $62.26.
Market Sentiment: The stock shows a mixed technical setup (40/100), with neutral trendline and momentum signals. Wall Street analysts see significant upside, with an average price target of $66.05 (+11.1%). Combining these factors, the current setup offers a favorable risk/reward ratio for buyers.
Quick Decision Summary
Current Position
FAIR
Fair Price Range
$58.75 -
$60.40
Company Quality Score
56/100
(HOLD)
Volume Confirmation
HIGH
Confidence Score
70.0%
All Signals
- NEUTRAL: Price in fair range
- NEUTRAL: Mixed technical signals (40/100)
- BULLISH: High volume confirmation
- BULLISH: Trading below Wall St target ($66.05)
Fair Price Analysis
30-Day Fair Range
$58.75 -
$60.40
Current vs Fair Value
FAIR
Support & Resistance Levels
Support Level
$57.77
Resistance Level
$62.26
Current Trend
Strong Uptrend
Fundamental Context
Forward P/E (Next Year Est.)
9.10
Wall Street Target
$66.05
(+11.1%)
Revenue Growth (YoY)
13.6%
Earnings Growth (YoY)
31.4%
Profit Margin
27.1%
Valuation Discount vs History
-1.1% cheaper
PE vs Historical
9.1 vs 9.4
FAIR
Market-Implied Price Targets
If current PE multiple persists
Implied Growth (YoY):
-1.1%
(market-implied from PE analysis)
1-Year Target
$58.78
(-1%)
2-Year Target
$58.13
(-2%)
3-Year Target
$57.49
(-3%)
3-Yr Target (if PE normalizes)
(PE: 9→9)
$59.38
(0%)
3-Year Scenarios
Using analyst projected EPS growth
Bull:
(PE: 22.3, Growth: 5.7%)
$171.82
(+189%)
Base:
(SPY PE: 9.1, Growth: 5.7%)
$70.12
(+18%)
Bear:
(PE: 7.7, Growth: 5.7%)
$59.60
(+0%)
📈
Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (9x PE) as earnings recover.
Trailing PE: 9.84 | Current EPS (TTM): $6.01
Bull Case
$70.68
(+19%)
Analyst growth 8.7%, PE expands to 10.8
Base Case
$64.25
(+8%)
Market implied 8.7%, PE stable at 9.8
Bear Case
$40.21
(-32%)
Severe decline -20.0%, PE contracts to 8.4
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡
Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 9.1 to 9.4
Stabilization Target:
$61.39
(+3.3%)
PE Expansion Potential:
+3.3%
Last updated: January 30, 2026 5:37 PM ET
Data refreshes hourly during market hours. Next update: 6:37 PM
Data refreshes hourly during market hours. Next update: 6:37 PM
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Technical Signals Check
Is ZION showing a specific setup today?
Insider Activity (6 Months)
1
Buys
1
Sells
0
Net
NEUTRAL
Recent Transactions
Michael T. McCaul
SELL
2025-08-21
Michael T. McCaul
BUY
2025-08-20
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