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Upturn AI SWOT - About
ZION 
Zions Bancorporation (ZION)
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Upturn Advisory Summary
04/01/2025: ZION (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -20.86% | Avg. Invested days 24 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 7.30B USD | Price to earnings Ratio 10 | 1Y Target Price 60.63 |
Price to earnings Ratio 10 | 1Y Target Price 60.63 | ||
Volume (30-day avg) 2014840 | Beta 1.09 | 52 Weeks Range 37.77 - 62.73 | Updated Date 04/1/2025 |
52 Weeks Range 37.77 - 62.73 | Updated Date 04/1/2025 | ||
Dividends yield (FY) 3.45% | Basic EPS (TTM) 4.95 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 25.64% | Operating Margin (TTM) 36.84% |
Management Effectiveness
Return on Assets (TTM) 0.89% | Return on Equity (TTM) 13.27% |
Valuation
Trailing PE 10 | Forward PE 9.67 | Enterprise Value 7320685568 | Price to Sales(TTM) 2.39 |
Enterprise Value 7320685568 | Price to Sales(TTM) 2.39 | ||
Enterprise Value to Revenue 3.46 | Enterprise Value to EBITDA - | Shares Outstanding 147563008 | Shares Floating 144692882 |
Shares Outstanding 147563008 | Shares Floating 144692882 | ||
Percent Insiders 1.79 | Percent Institutions 79.1 |
Analyst Ratings
Rating 3.13 | Target Price 60.7 | Buy 1 | Strong Buy 2 |
Buy 1 | Strong Buy 2 | ||
Hold 18 | Sell 2 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Zions Bancorporation
Company Overview
History and Background
Zions Bancorporation was founded in 1873 and has grown through acquisitions and organic expansion. It's a bank holding company offering a range of financial services.
Core Business Areas
- Commercial Banking: Provides banking products and services to small and medium-sized businesses, including loans, deposit accounts, and treasury management services.
- Retail Banking: Offers banking products and services to individuals, including checking and savings accounts, mortgages, and credit cards.
- Wealth Management: Provides wealth management services, including investment management, financial planning, and trust services.
Leadership and Structure
Harris H. Simmons is the Chairman and CEO. The organizational structure includes various executive leadership roles overseeing different business segments and support functions.
Top Products and Market Share
Key Offerings
- Commercial Loans: Provides loans to businesses for various purposes, including working capital, expansion, and equipment financing. Market share data is not readily available. Competitors include Wells Fargo, U.S. Bancorp, and KeyCorp.
- Mortgage Loans: Offers mortgage loans to individuals for home purchases and refinancing. Market share data is not readily available. Competitors include JPMorgan Chase, Bank of America, and Rocket Mortgage.
- Treasury Management Services: Provides treasury management services to businesses, including cash management, payment processing, and fraud prevention. Market share data is not readily available. Competitors include Bank of America, Citi, and JPMorgan Chase.
Market Dynamics
Industry Overview
The banking industry is currently facing challenges from rising interest rates, increased competition from fintech companies, and regulatory scrutiny.
Positioning
Zions Bancorporation is a regional bank with a strong presence in the western United States. Its competitive advantages include its local market expertise and customer relationships.
Total Addressable Market (TAM)
The total addressable market for banking services is in the trillions of dollars. Zions Bancorporation is positioned to capture a share of this market through its regional focus and diverse product offerings.
Upturn SWOT Analysis
Strengths
- Strong regional presence in the Western U.S.
- Diversified product and service offerings
- Experienced management team
- Solid capital position
Weaknesses
- Limited national presence
- Reliance on interest income
- Exposure to regional economic fluctuations
Opportunities
- Expansion into new markets
- Growth in wealth management business
- Increased adoption of digital banking technologies
- Strategic acquisitions
Threats
- Rising interest rates
- Increased competition from fintech companies
- Regulatory changes
- Economic downturn
Competitors and Market Share
Key Competitors
- WFC
- USB
- KEY
Competitive Landscape
Zions Bancorporation competes with larger national banks and smaller regional banks. Its competitive advantages include its local market expertise and customer relationships. It is comparatively smaller than its larger competitors.
Major Acquisitions
No Recent Publicly available Acquistions
- Year: 2024
- Acquisition Price (USD millions): 0
- Strategic Rationale: N/A
Growth Trajectory and Initiatives
Historical Growth: Zions Bancorporation has grown organically and through acquisitions over the past years.
Future Projections: Analyst estimates for future growth vary depending on economic conditions and company performance.
Recent Initiatives: Recent initiatives may include investments in digital banking technologies, branch expansions, and strategic acquisitions.
Summary
Zions Bancorporation is a regional bank with a solid presence in the Western U.S. The company benefits from a diversified product offering and an experienced management team. However, its limited national presence and reliance on interest income pose challenges. Its future success depends on strategic initiatives and the ability to navigate a competitive landscape.
Similar Companies
CMA
Comerica Inc
CMA
Comerica Inc
HBAN
Huntington Bancshares Incorporated
HBAN
Huntington Bancshares Incorporated
MTB
M&T Bank Corporation
MTB
M&T Bank Corporation
USB
U.S. Bancorp
USB
U.S. Bancorp
WFC
Wells Fargo & Company
WFC
Wells Fargo & Company
Sources and Disclaimers
Data Sources:
- Company Filings (10-K, 10-Q)
- Analyst Reports
- Market Research Reports
- Financial News Outlets
Disclaimers:
The data and analysis provided are for informational purposes only and should not be considered investment advice. Market share data is estimates and may vary.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Zions Bancorporation
Exchange NASDAQ | Headquaters Salt Lake City, UT, United States | ||
IPO Launch date 1990-03-26 | Chairman & CEO Mr. Harris Henry Simmons | ||
Sector Financial Services | Industry Banks - Regional | Full time employees 9406 | |
Full time employees 9406 | |||
Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington segments. It offers commercial and small business banking services to small- and medium-sized businesses, such as commercial, industrial, and owner-occupied lending and leasing; municipal and public finance services; depository account and cash management services; commercial and small business cards; merchant processing services; corporate trust services; and correspondent banking and international lending services. The company also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, advisory and capital raising, commercial mortgage-backed security conduit lending, and power and project financing; and commercial real estate lending services consisting of term and construction/land development financing for commercial and residential purposes. In addition, it offers retail banking services comprising residential mortgages, home equity lines of credit, personal lines of credit, installment consumer loans, depository account services, consumer cards, and personal trust services; and wealth management services consisting of investment management, fiduciary and estate, and advanced business succession and estate planning services. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.
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