Zions Bancorporation (ZION) Stock

Zions Bancorporation trades at a P/E ratio of 9.83, which is below the market average of approximately 20. This lower valuation could indicate the market has modest growth expectations, or it might represent an undervalued opportunity if the fundamentals are strong. Looking ahead, the forward P/E of 9.69 is lower than the current P/E, indicating analysts expect earnings to grow over the next year. The PEG ratio of 1.73 indicates reasonable value when growth is considered.

With a beta of 0.83, Zions Bancorporation is less volatile than the overall market. This means when the market moves up or down by 10%, this stock typically moves less than 10% in the same direction. Lower beta stocks are often preferred by conservative investors seeking stability. The price-to-book ratio of 1.23 shows investors value the company above its book value, which often reflects intangible assets or growth prospects.

Zions Bancorporation achieves a profit margin of 27.10%, meaning it retains $27.10 from every $100 in revenue after all expenses. This is an impressive margin, indicating strong pricing power and efficient cost management that allows the company to generate substantial profits. The operating margin of 38.80% reveals how efficiently the company runs its core business operations before interest and taxes. With ROE at 13.50% and ROA at 1.01%, the company achieves moderate returns on invested capital.

Zions Bancorporation's revenue grew by 13.60% year-over-year, showing steady progress in growing the business. This positive trajectory indicates the company maintains competitive positioning in its markets. Earnings increased by 31.40% year-over-year, outpacing revenue growth through improved margins. These growth metrics should be evaluated against BANKS - REGIONAL industry averages for proper context.

Zions Bancorporation offers a dividend yield of 2.88%, paying $1.76 per share annually. This above-average yield of 2-4% provides meaningful income while still allowing the company to reinvest for growth. It compares favorably to the S&P 500 average and offers competitive returns versus bonds in the current rate environment. To receive the next dividend, shares must be purchased before the ex-dividend date of Nov 13, 2025.

The dividend sustainability can be assessed through the payout ratio - Zions Bancorporation pays $1.76 per share in dividends against earnings of $6.01 per share, resulting in a payout ratio of 29.28%. This conservative payout below 30% indicates excellent dividend safety with substantial room for future increases. The company retains most earnings for growth while still rewarding shareholders. The next dividend payment is scheduled for Nov 20, 2025.

Zions Bancorporation has a market capitalization of $8.7B, classifying it as a mid-cap stock ($2B-$10B). Mid-caps often represent companies in their growth phase, offering higher growth potential than large-caps but with more stability than small-caps. They can be attractive takeover targets and may become tomorrow's large-caps. With 147.65M shares outstanding, the company's ownership is relatively concentrated. As a participant in the BANKS - REGIONAL industry, it competes with other firms in this sector.

Zions Bancorporation's book value per share is $48.18, while the current stock price is $59.91, resulting in a price-to-book (P/B) ratio of 1.24. This reasonable premium to book value suggests the market values the company's earnings power and intangible assets appropriately. Most profitable companies trade between 1-3x book value. As a common stock, this represents equity ownership with voting rights.

24 analysts cover ZION with 29% recommending buy/strong buy ratings. Analyst predictions have mixed reliability - studies show consensus rarely beats market returns consistently. The bearish sentiment could create opportunity if analysts are wrong. The consensus target of $66.05 implies 10.2% upside, but targets are often adjusted to follow price moves rather than predict them.

Current analyst recommendations:07 Buy, 16 Hold, 01 Strong Sell. The neutral stance suggests uncertainty or fair valuation at current levels.Remember that analyst opinions often lag price movements and can be influenced by investment banking relationships.