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ZION

Zions Bancorporation NAB
Nasdaq / Banks
Last Price
Quote time unavailable
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Current thesis
The SEC-filed release confirms an adjusted EPS beat and management-cited 11% customer-related fee growth, 8% annualized linked-quarter loan growth, 11.8% CET1 and 0.06% net charge-offs [#SEC-8K-2026-07-20].
Posture
Constructive
Lead driver
Sentiment
What changed
2 setup hits (3d) with net bullish as of 2026-09-09.
What can break
Bank earnings remain sensitive to interest rates, deposit mix, liquidity costs, credit losses and regulatory requirements [#SEC-8K-2026-07-20].
Momentum
44
Value
60
Sentiment
70
Setup hits (3d)
2 · Net Bullish
AI TargetsBase $75.14 · Bull $83.00 · Bear $62.00Analysis 2026-07-23; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-08-17 • Vendor: Data Vendor v1
Scores
As of 2026-09-09 • Model: HYBRID_IC_RP
AI Memo
As of 2026-07-23 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-09-09

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-09-09. Definitions

Supporting evidence
What
Grade B · Constructive
Confidence Medium · Net Bullish
Target $75.00
Why
Momentum44 · Δ7d -7.1
Value60 · Δ7d -0.0
Sentiment70 · Δ7d +2.8
So what
Strength-led posture (Net Bullish). Favor watchlist adds and disciplined entries.

Confirming evidence

  • • 2 setup hits (3d) with net bullish as of 2026-09-09.
  • • Sentiment remains the lead driver in the composite, 7D delta +2.8.

Contradictions & invalidation

  • • Bank earnings remain sensitive to interest rates, deposit mix, liquidity costs, credit losses and regulatory requirements [#SEC-8K-2026-07-20].
  • • Forward guidance, independently verified post-print estimate revisions and a complete analyst-target set remain unavailable, limiting confidence in a stronger rerating thesis.
  • • The headline GAAP result was materially helped by $252 million of Visa and SBIC gains, while adjusted noninterest expense rose 5% and the share-price reaction was negative.

Catalyst clock

2026-07-20

Q2 2026 earnings beat with recurring-quality caveat

Lead driver: Sentiment · See AI snapshot
Momentum
44
9% active weight
Current posture
7d trendSoftening
Δ7d
-7.1
Δ21d
-16.0
Value
60
28% active weight
Current posture
7d trendFlat
Δ7d
-0.0
Δ21d
-7.5
Sentiment
70
62% active weight
Current posture
7d trendImproving
Δ7d
+2.8
Δ21d
+7.0
Why this grade

Composite grade B. Momentum 44.0 / Value 59.9 / Sentiment 69.5

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-07-23. Scenario method

B+
Bull case
25%
Probability
Target price
$83.00
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
Most likely
B
Base case
55%
Probability
Target price
$75.14
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
B-
Bear case
20%
Probability
Target price
$62.00
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-08-17
Market Cap
$10.45B
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 2026-09-09 • Updated nightlySource: Internal modelMethods & Data