Zions Bancorporation, National Association (ZION)
Quantitative Summary
DeterministicAt 9.7x earnings — a 50% discount to the sector average of 19.2x — ZION is in the lower valuation range. Financial health is average: Piotroski 6/9, Altman Z 0.2. DCF fair value of $90 implies 46% upside from current prices based on model assumptions.
Generated deterministically from quant metrics and financial statements. Not a recommendation.
DCF Sandbox
Interactive5-year two-stage DCF. Terminal growth 3%. Default sliders match the pre-computed base case. Drag to explore scenarios. Not investment advice.
The growth rate the market implicitly expects over the next 10 years to justify today's price. Compare with historical growth of 8% YoY revenue.
Sensitivity Matrix
| TG ↓ / WACC → | 7% | 9% | 11% |
|---|---|---|---|
| 2% | $109 | $81 | $66 |
| 3% | $129 | $90 | $70 |
| 4% | $163 | $102 | $77 |
Center = base case. Green = >10% upside, Red = >10% downside vs $62.02.
Pre-computed DCF: WACC=9.0%, terminal growth 3%. Fair value $90 (+46.2%). Not investment advice.
Valuation Context
Currently trading 17% above its 5-year average P/E of 8.7x.
Price Chart with Moving Averages
Technical Setup
AI GeneratedZION stock is currently trading below both its 50-day and 200-day simple moving averages, indicating a downward trend with short-term weakness as the price has fallen well beneath recent average levels, while also showing divergence from longer-term support. The Relative Strength Index (RSI) at 31.2 suggests that ZION is in oversold territory, which might be a signal for potential near-term stabilization or recovery according to some technical indicators.
Quant Health Deep Dive
Profitability & Value Creation
✅ Conservative payout — room for dividend increases.
DuPont Analysis — ROE Decomposition
Breaking down Return on Equity to see how the company generates its ROE — efficiency, margins, or leverage.
Balance Sheet Health
Insider Activity (Last 90 Days)
Open-market buys vs sells by company insiders. Source: yfinance.
Earnings Surprise History
EPS estimates vs actuals for the most recent reported quarters. Source: yfinance.
Dividend History
| Date | Amount | Change |
|---|---|---|
| 2026-05-14 | $0.4500 | 0.0% |
| 2026-02-12 | $0.4500 | 0.0% |
| 2025-11-13 | $0.4500 | 0.0% |
| 2025-08-14 | $0.4500 | +4.7% |
| 2025-05-15 | $0.4300 | 0.0% |
| 2025-02-13 | $0.4300 | 0.0% |
| 2024-11-14 | $0.4300 | +4.9% |
| 2024-08-15 | $0.4100 | 0.0% |
| 2024-05-15 | $0.4100 | 0.0% |
| 2024-02-14 | $0.4100 | 0.0% |
| 2023-11-08 | $0.4100 | 0.0% |
| 2023-08-16 | $0.4100 | 0.0% |
Dividend and split data from SEC filings and market data. Amounts are per share, not adjusted for splits. Source: yfinance.
Risk Profile
Sharpe = risk-adjusted return (higher is better). Max drawdown = largest peak-to-trough decline. 1,200+ trading days.
Underwater (Drawdown from Peak)
How far below the all-time high the price has been over time. Deeper = more pain for holders.
Rolling 60-Day Beta vs S&P 500 (VOO)
How the stock's sensitivity to market moves changes over time. β > 1 = more volatile than the market.
Fama-French 5-Factor Exposure
Academic factor model decomposition — what's really driving this stock's returns.
Fama-French 5-Factor Model. Data: Kenneth French Data Library. Regression over 3 years of daily returns.
Fundamentals
Passive Flow Attribution
ETF Draft EffectWhen investors buy or sell ETFs like KRE or KBE, the fund manager is mechanically forced to buy or sell ZION shares regardless of Zions Bancorporation, National Association's individual fundamentals. We estimate $728M of passive capital is structurally linked to ZION through 8 tracked ETFs. Passive flows have a limited but growing influence on ZION's daily trading dynamics.
Passive exposure = Σ (ETF AUM × stock weight in ETF) across 8 tracked ETFs. Actual passive ownership is larger (includes mutual funds). Not investment advice.
ETF Contagion Visualizer
Simulate a price drop in Zions Bancorporation, National Association to visualize passive redemption contagion across ETFs and collateral stocks.
If Zions Bancorporation, National Association (ZION) experiences a significant drawdown, ETF redemptions can create collateral selling pressure on co-held stocks. Our model identifies PINNACLE FINANCIAL PARTNERS (PNFP) as the most exposed collateral stock, sharing 4 ETFs with ZION. This is the "Passive Contagion" effect described in the Inelastic Market Hypothesis.
Contagion model based on shared ETF exposure and constituent weights across 15 tracked ETFs. Estimated selling pressure is a simplified model — actual impact depends on market liquidity, ETF redemption mechanics, and market-maker activity.
ZION Ownership Dynamics
Passive funds hold 1 in every 12 ZION shares, reducing daily market volatility.
Zions Bancorporation, National Association (ZION) exerts measurable gravity on the passive index market, currently representing 1.6% of the KRE (KRE) and 1.1% of the KBE (KBE). Across 15 tracked ETFs, approximately 12M shares (8.4% of float) are held by passive funds and rarely trade on the open market. As passive ownership grows, index inclusion changes may increasingly drive price discovery.
ETFs with Highest ZION Exposure
Float lock-up computed from 15 ETFs tracked by SecuritiesDB. Actual passive ownership is higher (includes mutual funds, pension funds, etc.).
ZION Institutional Volume Profile
252-day volume distribution by price level. The Point of Control (POC) marks — the price where the most institutional volume transacted — an implicit support/resistance floor.
The highest-volume price zone for Zions Bancorporation, National Association over the past year sits near $58.98 (9% of 252-day volume). The current price of $62.02 trades 5.2% above this institutional floor — a sign of upside momentum, though a pullback to the POC zone is a common reversion target.
Volume Profile computed from 252 trading days of OHLCV data. Volume allocated to price bins proportionally based on daily high-low range. Not investment advice.
Fails-to-Deliver (FTD) History
SEC-reported settlement failures. Elevated FTDs can indicate high short-selling pressure, operational settlement issues, or naked shorting activity.
| Date | Failed Shares | Close Price | Notional Value |
|---|---|---|---|
| 2026-05-14 | 43 | $59.64 | $2,564.52 |
| 2026-05-11 | 4 | $62.50 | $250 |
| 2026-05-08 | 4 | $62.73 | $250.92 |
| 2026-05-07 | 15 | $63.99 | $959.85 |
| 2026-04-22 | 475 | $62.02 | $29,459.5 |
| 2026-04-21 | 133,257 | $63.05 | $8.4M |
| 2026-04-20 | 100 | $62.73 | $6,273 |
| 2026-04-17 | 5 | $61.54 | $307.7 |
| 2026-04-14 | 1,700 | $61.53 | $104,601 |
| 2026-04-10 | 9 | $61.77 | $555.93 |
| 2026-04-07 | 143 | $58.97 | $8,432.71 |
| 2026-04-06 | 71,286 | $58.13 | $4.1M |
| 2026-03-27 | 1,301 | $57.25 | $74,482.25 |
| 2026-03-16 | 14 | $53.10 | $743.4 |
| 2026-03-06 | 166 | $57.48 | $9,541.68 |
| 2026-03-05 | 388 | $58.22 | $22,589.36 |
| 2026-03-04 | 140 | $57.65 | $8,071 |
| 2026-03-03 | 254 | $58.14 | $14,767.56 |
| 2026-03-02 | 234 | $57.28 | $13,403.52 |
| 2026-02-25 | 46 | $59.20 | $2,723.2 |
| 2026-02-24 | 39 | $59.30 | $2,312.7 |
| 2026-02-23 | 653 | $62.50 | $40,812.5 |
| 2026-02-20 | 187 | $61.48 | $11,496.76 |
| 2026-02-19 | 288 | $62.04 | $17,867.52 |
| 2026-02-18 | 225 | $61.53 | $13,844.25 |
| 2026-02-17 | 237 | $61.26 | $14,518.62 |
| 2026-02-13 | 299 | $60.19 | $17,996.81 |
| 2026-02-12 | 54 | $62.91 | $3,397.14 |
| 2026-02-09 | 18 | $65.29 | $1,175.22 |
| 2026-02-03 | 316 | $60.99 | $19,272.84 |
Source: SEC Regulation SHO FTD data. Data is reported with a ~30 day delay. High FTD quantities relative to average daily volume may indicate settlement stress.
Price Correlations
Statistical correlation of daily returns with other stocks. High correlations indicate stocks that move together; negative correlations can offer diversification.
| Peer | 252-Day (1Y) | 126-Day (6M) | Direction |
|---|---|---|---|
| WTGXX | NaN | NaN | |
| FNB | 0.907 | 0.919 | High co-movement |
| KEY | 0.886 | 0.882 | High co-movement |
| CFG | 0.883 | 0.881 | High co-movement |
| ONB | 0.873 | 0.908 | High co-movement |
| ASB | 0.865 | 0.869 | High co-movement |
| TFC | 0.863 | 0.868 | High co-movement |
| WTFC | 0.862 | 0.896 | High co-movement |
| FULT | 0.858 | 0.857 | High co-movement |
| HWC | 0.856 | 0.862 | High co-movement |
Pearson correlation of daily log returns. 252d ≈ 1 trading year. Computed from price history. Not investment advice.
Compare ZION to Peers
Quant metrics computed deterministically from financial statements and price data. Updated: 2026-06-02.
SecuritiesDB provides programmatic data aggregation for informational purposes only. None of the metrics, summaries, or algorithmic flags constitute a recommendation to buy or sell any security.