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ZION

Zions Bancorporation NAB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The EPS beat, sharply lower charge-offs, stronger customer deposits, and management's 8%–12% net interest income growth outlook support a constructive revision to the April monitoring thesis. After the print, Baird raised its target to $80 from $75 while retaining Outperform, and DA Davidson raised its target to $80 from $79 while retaining Buy.
Posture
Constructive
Lead driver
Value
What changed
Value remains the lead driver in the composite, 7D delta -0.3.
What can break
Analyst ratings remain divided despite higher targets; JPMorgan retained Underweight. JPMorgan revision
Momentum
43
Value
61
Sentiment
58
Setup hits (3d)
0 · Net Neutral
AI TargetsBase $72.00 · Bull $80.00 · Bear $55.00Analysis 2026-10-22; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-26 • Vendor: Data Vendor v1
Scores
As of 2026-10-26 • Model: HYBRID_IC_RP
AI Memo
As of 2026-10-22 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-26

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-26. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Neutral
Target $72.55
Why
Momentum43 · Δ7d +7.5
Value61 · Δ7d -0.3
Sentiment58 · Δ7d -15.8
So what
Strength-led posture (Net Neutral). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • Value remains the lead driver in the composite, 7D delta -0.3.

Contradictions & invalidation

  • • Analyst ratings remain divided despite higher targets; JPMorgan retained Underweight. JPMorgan revision
  • • Basis platform earnings contribution remains unquantified in the checked release; integration and fee-income durability need evidence [#SEC-8K-2026-10-19].
  • • The beat benefited from unusually low credit costs; Q3 NIM fell five basis points year over year, deposit costs rose sequentially, and loan balances were flat sequentially amid payoffs and competition.

Catalyst clock

2026-11-19

Q3 earnings beat shifts attention to durability

Lead driver: Value · See fundamentals
Momentum
43
8% active weight
Current posture
7d trendFlat
Δ7d
+7.5
Δ21d
+9.7
Value
61
47% active weight
Current posture
7d trendFlat
Δ7d
-0.3
Δ21d
-0.4
Sentiment
58
45% active weight
Current posture
7d trendSoftening
Δ7d
-15.8
Δ21d
-25.4
Why this grade

Composite grade B. Momentum 43.2 / Value 61.4 / Sentiment 57.6

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-10-22. Scenario method

B+
Bull case
25%
Probability
Target price
$80.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Most likely
B
Base case
50%
Probability
Target price
$72.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$55.00
Analysis reference price unavailable
Analysis 2026-10-22 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-26
Market Cap
$9.62B
Beta
0.84
Shares Out
145.95M
P/E (TTM)
10.8
P/S (TTM)
2.69
P/FCF (TTM)
12.94
Rev YoY
+19.1%
EPS YoY
+86.9%
Gross Margin
-
Op Margin
+29.1%
Net Debt
$4.15B
Current Ratio
0.15
As of 2026-10-26 • Updated nightlySource: Internal modelMethods & Data