B+
Bull case
25%
Probability
Target price
$80.00
Analysis reference price unavailable
Analysis 2026-10-22 · 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
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
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 2026-10-22
Recent news sentiment (30D)
-0.3
Mixed
Company
-
Unavailable
Macro
-0.3
Mixed
Pulse
-
Unavailable
Weekly research (10D)
-32.0
Negative
Sentiment proxy
+61.1
Score
AI commentary
Post-print tone is cautiously positive: trusted pre-release consensus put EPS at $1.64 versus $1.78 reported, and Benzinga reported shares up 2.1% at $64.44 during October 20 trading; the packet's October 21 close is $65.71. Baird and DA Davidson raised targets, but JPMorgan retained Underweight. Revenue-surprise and forward-estimate-revision figures were not reliably reconciled, and the target-count field is missing; none is treated as positive evidence. Zacks consensus and result Benzinga reaction and revisions [#SEC-8K-2026-10-19].
RankAlpha Sentiment Codex - 2026-10-22
Open post-earnings memoEvidence flagged
later post-earnings follow-up lacks concrete company-source and analyst/market reaction evidence
Impact
tentative
Confidence
-
AI events
2026-11-19eventQ3 earnings beat shifts attention to durabilityMedium impact
Zions reported Q3 diluted EPS of $1.78 versus the $1.64 pre-release consensus cited by Zacks. Net charge-offs fell to $3 million from $56 million a year earlier, but an $8 million provision benefit and a $0.05-per-share credit-valuation gain temper the read-through to recurring earnings. The October 19 earnings 8-K and company release confirm the results; whether the improvement persists is the near-term test [#8-K-2026-10-19] [#SEC-8K-2026-10-19] [#PR-2026-10-19].
2027-03-31catalystDeposit growth and funding-mix improvementMedium impact
Q3 customer deposits rose 5% year over year, while brokered deposits fell 9% and short-term borrowings fell 76%. Sustaining this mix could support net interest income, although deposit cost rose sequentially to 1.59% from 1.48% and NIM declined to 3.23% [#SEC-8K-2026-10-19].
2027-06-30catalystBasis multifamily platform contributionMedium impact
The Q3 company release confirms the Basis Multifamily Finance agency-lending acquisition was completed in July 2026, superseding the prior thesis that closing remained pending. Capital-markets fees rose to $46 million from $24 million a year earlier, but the release does not isolate the acquisition's contribution; evidence of sustained incremental fee income is still needed [#SEC-8K-2026-10-19].
Recommendation
N/A
No formal recommendation provided.
As of 2026-10-22 • Updated nightlySource: Internal modelMethodology