B+
Bull case
25%
Probability
Target price
$83.00
Analysis reference price unavailable
Analysis 2026-07-23 · RankAlpha Sentiment Codex
ZION
Zions Bancorporation NABNasdaq / Banks
Last Price
Quote time unavailable
AI scenario view
RankAlpha Sentiment CodexPost-earnings T+3Most 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
The current persistence contract does not provide an exact AI reference price. RankAlpha therefore does not calculate scenario return from the live quote. How scenarios are presented
AI sentiment snapshot
Latest data as of 2026-07-23
Recent news sentiment (30D)
+26.0
Positive
Company
-
Unavailable
Macro
+26.0
Positive
Pulse
-
Unavailable
Weekly research (10D)
-32.0
Negative
Sentiment proxy
+73.2
Score
AI commentary
The company source is now confirmed through the July 20 SEC-filed earnings release and provides concrete operating drivers and risks [#SEC-8K-2026-07-20]. Market reaction was clearly negative, with secondary coverage reporting a premarket decline of nearly 5.8% on July 21 despite the adjusted EPS beat. A secondary report also cited a JPMorgan downgrade, but post-print analyst revisions are not comprehensively available and the packet contains no analyst target count. The evidence supports a cautious monitoring view rather than a high-conviction buy thesis.
RankAlpha Sentiment Codex - 2026-07-23
Open post-earnings memoEvidence flagged
memo remains a monitoring view with limited forward evidence and should not be standard-conviction
Impact
tentative
Confidence
-
AI events
2026-07-20eventQ2 2026 earnings beat with recurring-quality caveatMedium impact
SEC 8-K Exhibit 99.1 reports Q2 net earnings of $452 million and diluted EPS of $3.05, or $1.74 excluding notable items, versus the packet's $1.57 consensus. Net interest income rose 4% to $677 million, customer-related noninterest income rose 11% to $182 million, adjusted PPNR rose 5% to $332 million, loans grew 3%, deposits grew 4%, CET1 reached 11.8%, and net charge-offs were 0.06% [#SEC-8K-2026-07-20] [#PR-EARNINGS-2026-07-15]. The $215 million Visa gain and $37 million SBIC gain limit the quality of the headline beat.
2026-07-25catalystPost-earnings digestion and funding-cost pressureMedium impact
Secondary market coverage reported premarket trading near $67.74 on July 21, down nearly 5.8%, despite the adjusted EPS beat. The same report attributed the reaction to investor focus on one-time gains, deposit-cost competition and a reported JPMorgan downgrade to Underweight with a $75 target. These are secondary signals, so they support caution rather than a definitive revision thesis.
2026-12-31catalystH2 follow-through in loans, fees, capital and creditHigh impact
Sustained customer-related fee growth, annualized loan growth, deposit stability, stronger capital and low charge-offs could support a moderate rerating if they persist beyond Q2. The company also reported NIM flat sequentially at 3.27% and adjusted noninterest expense up 5%, leaving execution and funding-cost follow-through unresolved [#SEC-8K-2026-07-20].
Recommendation
N/A
No formal recommendation provided.
As of 2026-07-23 • Updated nightlySource: Internal modelMethodology