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ZIZION

Zions Bancorporation, National Association

$ZION·$10B·Banks - Regional·Financial Services
$69.42+0.2%YTD+22.4%1Y+20.7%
Mentions · last 7 days
2026-08-28: 3 posts2026-08-29: 0 posts2026-08-30: 4 posts2026-08-31: 2 posts2026-09-01: 2 posts2026-09-02: 11 posts2026-09-03: 5 posts27
Price updated 1h ago·X counts updated 20h ago
ZIZION
$ZIONZions Bancorporation, National Association
$69.42+0.16%27 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Today's AI verdict on what's driving $ZION, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-09-04

The move is getting stronger, with heavier trading behind it.

Q2 EPS $3.05 vs $1.57 est (94% beat) drove +20% t12m to near 52w high; chairman Harris Simmons made a 60,484-share gift Aug 11

Zions Bancorporation is a Utah-based regional bank whose Q2 print was a genuine outlier. Q2 2026 (Jul 20): EPS $3.05 vs $1.57 est (94.3% beat), rev $878M +19% YoY.

  • Aug 11 chairman-CEO Harris Simmons G-Gift 60,484 shares (non-monetary transfer to charity or trust, not a market sale)
  • Fundamentals: PE 10.7, PS 2.06, ROIC 5.6%, ROE 16.1%, D/E 0.32, TTM op margin 25.0%, FCF yield 11.5%, EV/EBITDA 7.9 - very reasonable multiple
  • FY26 consensus EPS $7.92 (elevated by the Q2 outlier), FY27 $6.87 (normalized), FY28 $7.40 - modest run-rate growth from a solid base
  • Stock at $69.36, +2.0% on day, +22.4% YTD, +20.7% t12m, position in 52w range 0.85, position vs 50/200d MA -0.7%/+11.3%
  • Float 143.6M mid, beta 0.78 (defensive vs regional-bank peers), volume multiplier 0.82x
  • Sep 1 to present at Barclays Global Financial Services Conference; BNY Mellon acquired 1.27M shares filing Aug 25 - institutional accumulation
  • The $ZION cashtag is contaminated with Unexpected Runner memecoin traffic in X sentiment but the equity has no such distortion in the news feed

Quality regional bank delivering above-consensus operating results with clean capital structure and reasonable multiple; the Q2 beat is a step-function surprise, not a run-rate, so consensus normalization for FY27 is realistic.

What to watch: Q3 print Oct 19 (est EPS $1.62) to confirm whether Q2 was one-time or the start of a new operating cadence; any Simmons open-market activity or fresh regional-bank sector data matters.

On the calendar: 2026-10-19 Q3 earnings

X sentiment

What the X crowd is saying right now — descriptive, summarised from the day’s posts.

Neutral sentiment5 posts analyzed · as of 2026-07-27

$ZION discussion is dominated by an Unexpected Runner memecoin community with contributors predicting it will break $300k. Some earnings-related implied-move mentions place ZION at ±6.1%. There is no substantive equity discussion of Zions Bancorp in the sample. Sentiment reflects memecoin speculation.

Read the AI verdict + X sentiment for $ZION

  • One-line verdict on what's driving the move — fundamentals, momentum, both, or an event
  • Next dated catalyst when there is one (earnings, deal closing, activist clock)
  • X crowd read with bullish/bearish call + post volume
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What it does

Plain-English summary of the business — what they sell and how they make money.

Western U.S. regional bank serving commercial, small business, and public sector clients across 11 states since 1873.

Industry overviewAI analysisGenerated by AI from underlying data

Where Banks - Regional sits in its cycle right now — and what that implies for $ZION.

Banks - Regional · Financial Services

Net interest margin is the primary earnings lever; the rate curve shape determines the spread between deposit costs and loan yields. Credit quality in commercial real estate remains the headline risk — office exposure is the most closely watched segment.

What this means for $ZION

Partial — net interest margin and credit quality are the primary earnings drivers; Headquartered in Salt Lake City, Utah, Zions Bancorporation, National Associatio.

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+19.9%YTD
+14.9%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
10.7How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
5.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
25.0%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
11.5%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.1Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
16.1%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
68.9%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.3Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Jul 20, 2026$3.05$1.57+94.3%
Q1 2026Apr 20, 2026$1.56$1.42+9.9%
Q4 2025Jan 20, 2026$1.75$1.57+11.5%
Q3 2025Oct 20, 2025$1.54$1.46+5.5%
Next earningsMon, Oct 19·consensus EPS $1.62

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$1.5B+19.2%76.7%39.4%$3.05—
Q1 FY26$1.2B-1.3%72.4%24.9%$1.56$438.0M
Q4 FY25$1.3B-0.3%70.9%27.1%$1.78$410.0M
Q3 FY25$1.3B-1.8%64.8%22.7%$1.48$413.0M

Forward consensus

3-year forecast · up to 10 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$3.5B$3.4B – $3.7B$7.92$7.62 – $8.1610
FY27$3.7B$3.6B – $3.8B$6.87$6.43 – $7.1210
FY28$3.9B$3.7B – $3.9B$7.40$6.26 – $7.905

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.8×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.85%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.-0.7%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+11.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 143.6M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today0.8% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.785-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

Insider activity

Recent open-market buys and sells by officers and directors — flagged when multiple insiders cluster.

Recent transactions

SellAug 4Scott J McleanPresident33.3K sh$2.4MSellAug 4Scott A. LawPresident4.6K sh$334KSellAug 3Scott J McleanPresident50.0K sh$3.5MSellJul 28Scott J McleanPresident6.7K sh—SellJul 28Derek StewardPresident894 sh$62KSellMay 8Smith Jennifer AnnePresident4.2K sh$263KSellMay 4Smith Jennifer AnnePresident550 sh$35K
+ 31 other (19 awards · 5 exempts · 3 gifts · 3 inkinds · 1 return) in window

See when $ZION insiders are putting their own money in

  • Real-time open-market buys and sells from Form 4 filings
  • Cluster-buy detection when multiple insiders pile in at once
  • 30 / 60 / 180-day windows so you can spot building conviction
Free, forever. No credit card.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

3New insider — initial holdingsJun 43
AI summary

Daniel Joseph Ryan, newly elected director of Zions Bancorporation (ZION), filed an initial Form 3 on June 4, 2026, reporting zero shares of common stock beneficially owned as of his appointment date of June 2, 2026. No derivative securities were reported. Ryan is a retired PricewaterhouseCoopers partner who was elected to fill a Board vacancy created when the Board expanded from 11 to 12 members, with assignments to the Audit and Risk Oversight Committees effective July 1, 2026. His audit background strengthens Zions' oversight capabilities at a time of elevated regulatory scrutiny on regional banks.

8-KOfficer or director changeJun 28-K — Item 5.02: Officer or director change
AI summary

Zions Bancorporation, N.A. (ZION) announced on June 2, 2026 the election of Daniel J. Ryan to its Board of Directors as its 12th member, filling a newly created vacancy. Ryan is a retired PricewaterhouseCoopers partner with 40+ years of audit experience and was appointed to the Audit and Risk Oversight Committees effective July 1, 2026. He will receive non-employee director cash compensation and participate in the omnibus stock incentive plan; no specific compensation amounts were disclosed. Adding a seasoned audit professional to both oversight committees reinforces Zions' risk governance posture — notable for a bank that has faced regulatory and balance sheet pressures common across large regional lenders.

8-KShareholder voteMay 48-K — Item 5.07: Shareholder vote
+ 14 other (3 13Gs · 2 10-Qs · 2 13Fs · 2 earnings 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

ZIONS BANCORPORATION TO PRESENT AT THE BARCLAYS GLOBAL FINANCIAL SERVICES CONFERENCEprnewswire.com·3d ago1,271,295 Shares in Zions Bancorporation, N.A. $ZION Acquired by Bank of New York Mellon Corpdefenseworld.net·11d agoEmpowered Funds LLC Sells 315,070 Shares of Zions Bancorporation, N.A. $ZIONdefenseworld.net·16d agoWestlake Securities Secures Expanded Senior Credit Facility for SolvChem with Amegy Bankprnewswire.com·17d agoZions Bancorporation, N.A. $ZION Shares Purchased by Bank of America Corp DEdefenseworld.net·20d ago

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Voices on X · last 7 days

No standout posts about $ZION on X in the last 7 days.

TickerTalks is a research tool, not financial advice. We surface social-attention data; we do not make stock recommendations. Past attention is not predictive of future price movements.

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