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ZIZION

Zions Bancorporation, National Association

Strong FundamentalsStrong FundamentalsRevenue growing 19% YoY at strong marginsStreet coverage with positive forward estimatesQuiet on X (41 mentions/wk)
$ZION·$9.2B·Banks - Regional·Financial Services
$63.37+0.6%YTD+6.9%1Y+35.0%
Price updated 1d ago·X counts updated 6d ago
ZIZION
$ZIONZions Bancorporation, National Association
$63.37+0.57%41 posts0.9×
AI analysisFundamentalsVoices on X
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On X

The complete picture of $ZION on X — how loud the conversation is right now, how it has trended over the last two weeks, and which way the crowd is leaning.

41X posts · last 7 days
Sep 30Oct 11
Chatter Meter
0.9×
QuietNormal · 1×Loud

How loud $ZION's conversation on X is versus its own normal — 1× is typical, higher means busier. Right now it's about its usual level.

Neutral sentimentAI analysisGenerated by AI from underlying data5 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 what X is saying about $ZION

  • Bullish vs bearish call — with the AI summary of the day's posts
  • Divergence flag when the top-engagement posts argue the other side
  • How loud the conversation is versus this ticker's own normal
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AI verdictAI analysisGenerated by AI from underlying data

TickerTalks' own read on what's driving $ZION — fundamentals, momentum, or an event — and whether it agrees with the X crowd.

Proven numbersAcceleratingAI verdict · as of 2026-10-02

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

Utah-based regional bank with Q2 revenue +19% YoY, 39% operating margin and shares up 15% in six months on the Fed asset-threshold discussion.

Zions Bancorporation operates a western-US regional banking franchise with commercial lending, treasury management and wealth, so earnings scale with net-interest margin and non-interest-income growth against a steady deposit base.

  • Q2 FY26 revenue $1.48B, +19.2% YoY with 39.4% operating margin; prior four quarters: -1.8%, -0.3%, -1.3%, +19.2% — Q2 marks the inflection
  • TTM: 11x earnings, 2.1x sales, 16% ROE, 69% gross margin, 25% operating margin, FCF yield 11.5%, debt-to-equity 0.32 — regional-bank economics
  • 2026 estimates: $3.55B revenue, $8.00 EPS; 2027 $3.71B, $6.86 EPS — modeling LSD revenue growth with FY27 EPS reset
  • YTD +6.9%, trailing-12m +11% at $62.65 against a $9.3B market cap
  • Sep 9/21: new SVP Corporate Controller and General Counsel appointments — team refresh
  • Fed considering higher asset thresholds — potentially reduces regulatory load for mid-cap banks like Zions

The Q2 operating step-up is clean, the regulatory tailwind is thematic rather than company-specific. The equity has partially caught up with the operating line — the FY27 EPS reset signals the sell-side's conviction that the Q2 trajectory doesn't sustain.

Differs from X sentimentThe $ZION cashtag on X is dominated by an unrelated memecoin community predicting it will break $300K. There is no substantive equity discussion of Zions Bancorp in the sample — the attention is on a token, not the regional-bank equity.

What to watch: Oct 19 Q3 earnings and NII commentary — whether net-interest margin sustains the Q2 operating step-up or decelerates toward the FY27 EPS reset estimate.

On the calendar: 2026-10-19 Q3 earnings

ticker confusion crypto

Read the AI verdict on $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)
  • Whether TickerTalks' read agrees with or diverges from the X crowd
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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

No material change from last week — HDFC Bank securities fraud class action class deadline Sep 20 keeps litigation overhang on the India private banking thesis.

What this means for $ZION

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

Top industry ETF

$KRESPDR S&P Regional Banking ETF
+6.4%YTD
+20.1%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 $1.64

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 11 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$3.5B$3.5B – $3.6B$8.00$7.84 – $8.1711
FY27$3.7B$3.7B – $3.8B$6.86$6.35 – $7.2310
FY28$3.9B$3.7B – $3.9B$7.40$6.35 – $7.856

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.1.1×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.63%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.-4.5%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.-0.3%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 today1.2% 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.β0.835-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 A. LawPresident4.6K sh$334KSellAug 4Scott J McleanPresident33.3K sh$2.4MSellAug 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
+ 27 other (18 awards · 5 exempts · 3 gifts · 1 inkind) 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
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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 holdingsSep 213
AI summary

Samuel R. Torgesen, General Counsel of Zions Bancorporation (ZION), filed an initial Form 3 as of September 21, 2026, disclosing 2,139 shares of common stock held directly and 6,066.592 shares via a 401(k) plan, along with vested and unvested stock options under the Zions 2015 Omnibus Incentive Plan. This is a routine beneficial ownership disclosure for a newly reportable officer.

3New insider — initial holdingsSep 93
AI summary

Form 3 initial beneficial ownership filing for an officer at Zions Bancorporation (ZION), signed by Samuel Torgesen as attorney-in-fact. The officer holds 974 stock options across four grants with exercise prices from $45.65 to $73.22 per share, all granted under Zions' 2015 Omnibus Incentive Plan vesting 33% annually over 3 years. This establishes the officer's Section 16 reporting baseline.

8-KOfficer or director changeSep 98-K — Item 5.02: Officer or director change
AI summary

Zions Bancorporation announced that Brian Stringham (age 51) will succeed Jason Arbuckle as SVP and Corporate Controller (principal accounting officer), effective September 7, 2026. Stringham joined Zions in 2003 and has served in various finance roles including Assistant Corporate Controller. Arbuckle transitions to Senior Director of Corporate Finance and Transformation. The internal succession preserves institutional knowledge while formalizing the principal accounting officer change.

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
+ 11 other (3 13Gs · 2 10-Qs · 2 13Fs · 1 N-PX) in window

Recent news

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

Seeking Clues to Zions (ZION) Q3 Earnings? A Peek Into Wall Street Projections for Key Metricszacks.com·4d agoTop Wall Street Forecasters Revamp Zions Bancorp Expectations Ahead Of Q3 Earningsbenzinga.com·5d agoZions (ZION) Reports Next Week: Wall Street Expects Earnings Growthzacks.com·6d agoZions Bancorporation Offers An Attractive 6.7% Floating Rate Preferred Stockseekingalpha.com·7d agoBanco Santander Chile (NYSE:BSAC) & Zions Bancorporation, N.A. (NASDAQ:ZION) Head-To-Head Reviewdefenseworld.net·12d 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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