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Zions Bancorp N.A. (0M3L) fair value: what the stock is really worth

As of Oct 2, 2026: fair value of Zions Bancorp N.A. $82.84, price $63.06, upside +31.4%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Industrials · GB · Home US

ZB Some data Sep 24, 2026

Zions Bancorp N.A.

0M3L · LSE

UndervaluedThe stock appears undervalued with acceptable quality.

✓Fair value $82.84 · Undervalued (+31.4%)
✓Quality 63/100
!Mixed Growth (revenue 5y +10.9 %/yr)
✓Highly profitable · 31.8% net margin (TTM)
✓Low debt · generates free cash flow
✓2.9% dividend yield · Well covered
✓Ranks above peers (10/10)
✓Wide moat 74/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

$73.04 $17.50 Fair Value $82.84 Jan 2018 Oct 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range $17.50 – $73.04 · fair‑value band $62.13 – $103.55 · the $63.06 price screens below the $82.84 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

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.

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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, mergers and acquisitions advisory services, 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 lending, 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.

Stock analysis

Zions Bancorp N.A. (0M3L) currently trades at $63.06, while our model-based Fair Value estimate is $82.84, implying the stock looks roughly 23.9% undervalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of $79.52 per share, and 2 of the 4 models we run sit above the $63.06 price.

Bear case: the Asset-Based group reads lowest at $25.03, and 2 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $62.13 (bear) to $103.55 (bull), the price of $63.06 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 63/100 (solid quality), in the Industrials sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Zions Bancorp N.A. reported revenue of $4.9B in FY2025 versus $3.0B in FY2021, a compound +13.7%/yr. Reported net income was $899M in FY2025, compounding −5.3%/yr from FY2021.

Key figures

Market cap $9.3B · P/E ratio 0.1 · P/S ratio 0.02 · EPS (TTM) $6.17 · Dividend yield 2.9% · Net margin 18.2% · Return on equity 16.4% · Return on assets (EBIT) 1.5%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).

What moves the price

The share trades about 14% below its 52-week high and 35% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Industrials peers we cover trades at −36% fair-value upside, at 31%, 0M3L screens cheaper than that median.

Fair Value models

Bear $62.13 Fair Value $82.84 Bull $103.55
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then ($3.30 per share) are deliberately not added. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Residual Income $34.65 $41.00 $57.17 76
P/E Multiple $73.68 $98.23 $122.79 63
P/B Multiple $59.64 $79.52 $99.40 55
All 4 models by family
Multiples
P/E Multiple $73.68 $98.23 $122.79 63
P/B Multiple $59.64 $79.52 $99.40 55
Asset-Based
NCAV (Graham) $18.68 $25.03 $37.36 54
Economic Profit
Residual Income $34.65 $41.00 $57.17 76

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Quality Score breakdown

Overall quality 63/100

Of which business quality 51 · Market factors (momentum, volatility) 55

Profitability 32
Margins and returns on capital today
Quality Growth 60
Are margins and returns improving?
Cashflow 75
Earnings quality: real cash, not paper profit
Fin. Strength 3
Balance sheet, leverage, solvency risk
Investment 76
Disciplined investing over empire-building
Low Volatility 70
Calm price path (market factor)
Momentum 47
Price trend over the last 3–12 months (market factor)
52W Momentum 53
Distance to the 52-week high (market factor)
Net Issuance 85
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−1.0%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+14.2%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+10.9%
Start year 2020 (pandemic). Over 10 years: +9.3% a year
Revenue growth 13 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+6.7%
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+10.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.1%
Dividend (yield on the price)2.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.7.1% vs 13.8%, slowing
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.33% → 24%
Start year 2020 (pandemic)

Growth Forecast

A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−0.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−4.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in USD, USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −2.5% a year for the price and −6.5% for the forecasts.
Forecast 2026 (sales)−26.8%
Forecast 2027 (sales)+2.4%
Projected 2028 (sales)+2.3%
Projected 2029 (sales)+2.3%
Projected 2030 (sales)+2.2%

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Banks - Regional · 1053 stocks

Beats the industry median on 10/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score 58 · Above median
Fair Value upside +31.4% · Top 25%
Profitability
Return on equity (TTM) 16.4% · Top 25%
Return on assets 1.3% · Above median
Net margin (TTM) 31.8% · Above median
Operating margin (TTM) 52.1% · Top 25%
Growth and dividend
Revenue growth 35.2% · Top 25%
Dividend yield (TTM) 2.9% · Above median
Balance sheet
Debt / equity 0.19× · Below median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (TTM) 0.1× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)75 · sector 12
FUTURE (revenue growth)100 · sector 47
PAST (return on equity)66 · sector 41
HEALTH (low debt)91 · sector 84
DIVIDEND (yield)57 · sector 52

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

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DBS Group D05 78.00 SGD 40.39 SGD −48%
China Merchants Bank Co 600036 ¥40.69 ¥52.73 +30%
UniCredit S.p.A UCG €79.53 €77.12 −3%
Mizuho Financial Group MFG $11.05 $6.82 −38%
Intesa Sanpaolo S.p.A ISP €6.38 €4.06 −36%
BNP Paribas SA BNP €91.54 €105.99 +16%
HDFC Bank Limited HDFCBANK ₹721.20 ₹406.44 −44%
Oversea-Chinese Banking Corporation O39 32.01 SGD 19.78 SGD −38%
Al Rajhi Banking and Investment Corporation 1120 63.15 SAR 36.95 SAR −41%
CaixaBank, S.A CABK €12.03 €8.46 −30%

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Cite: Fair Value Calculator (2026). "Zions Bancorp N.A. Fair Value". https://www.fairvalue-calculator.com/stock/0M3L

Frequently asked questions

Is Zions Bancorp N.A. (0M3L) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $82.84 versus a price of $63.06, about +31% upside (undervalued).
What is the fair value of 0M3L?
Our model-based fair value for Zions Bancorp N.A. is $82.84 (as of Sep 24, 2026), built from audited fundamentals. The current price: $63.06.
What is the quality score of 0M3L?
Zions Bancorp N.A. has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Zions Bancorp N.A. (0M3L)?
Our model-based price target is the fair value of $82.84 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $62.13, optimistic scenario $103.55. It is a calculation from audited fundamentals, not an analyst target.
What is the Zions Bancorp N.A. stock forecast for 2026?
Our models put fair value at $82.84, about +31% upside versus a price of $63.06 (undervalued). Cautious scenario $62.13, optimistic scenario $103.55. The calculation is refreshed regularly with new filings.
What is the revenue of Zions Bancorp N.A. (0M3L)?
Zions Bancorp N.A. reported trailing-twelve-month revenue of about $3.7B (latest available figure, as of Sep 24, 2026).
Does Zions Bancorp N.A. pay a dividend?
Zions Bancorp N.A. currently shows a dividend yield of about 2.85% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Zions Bancorp N.A. (0M3L)?
For today's price to be fair in a discounted-cash-flow model, Zions Bancorp N.A. would have to grow free cash flow by -0.2 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.9 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of 0M3L use?
Our models discount Zions Bancorp N.A. at 9.7 %: a base by market capitalisation (unknown), damped by beta 0.79, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Zions Bancorp N.A. that is -0.2 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Zions Bancorp N.A. (0M3L) delivered so far?
Over the past 5 years revenue at Zions Bancorp N.A. grew +10.9 % a year. The price currently implies -0.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Zions Bancorp N.A. (0M3L) growing?
The median revenue growth in the sector is +7.2 % a year. That is the yardstick for the growth priced into Zions Bancorp N.A. (-0.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Zions Bancorp N.A. (0M3L)?
The free-cash-flow yield on the price is 7.98 %: that much free cash flow Zions Bancorp N.A. produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Zions Bancorp N.A. (0M3L)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Zions Bancorp N.A. it is $82.84 per share (as of Sep 24, 2026), against a price of $63.06. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Zions Bancorp N.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0M3L trades below its calculated fair value: price $63.06, fair value $82.84, a gap of about +31% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of 0M3L?
No. The price is what the market pays today ($63.06); the fair value is what the company's own numbers justify ($82.84). For Zions Bancorp N.A. the two are $19.78 per share apart. That gap is exactly why we show both numbers side by side.
How much is Zions Bancorp N.A. worth?
The market values Zions Bancorp N.A. at about $9.3B (market capitalisation, as of Sep 24, 2026). Per share that is $63.06; our models calculate a fair value of $82.84 per share.
What do the bullish and bearish scenarios say about 0M3L?
Our models span a range for Zions Bancorp N.A.: cautious scenario $62.13, base $82.84, optimistic $103.55 per share (as of Sep 24, 2026, price $63.06). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0M3L?
Zions Bancorp N.A. trades at a price-to-earnings ratio of 0.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $82.84 is built from several models across several years.
How solid is the balance sheet of Zions Bancorp N.A. (0M3L)?
Balance-sheet figures for Zions Bancorp N.A. (as of Sep 24, 2026): return on equity 16.4%, debt of 0.19 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is 0M3L from its 52-week high?
Zions Bancorp N.A. trades at $63.06, about 14% below its 52-week high of $73.04 and 35% above the low of $46.66 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $82.84 is for.
Which stocks are comparable to Zions Bancorp N.A.?
From the same area (Industrials) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Zions Bancorp N.A. stock attractive at the current price?
The data as of Sep 24, 2026: price $63.06, calculated fair value $82.84 (+31%), Quality Score 63/100, from 4 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of 0M3L calculated?
We run Zions Bancorp N.A. through 4 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $82.84, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Zions Bancorp N.A. currently trades 24 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Zions Bancorp N.A. (0M3L)?
The closing price on Oct 2, 2026 was $63.06. Our model-based fair value is $82.84, about +31% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Zions Bancorp N.A. right now?
Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality. The price sits in the lower half of our model range, the side with the larger margin of safety. Read the verdict with care: some models are missing inputs, so the estimate scatters more than usual.
Where does the earnings growth of Zions Bancorp N.A. (0M3L) come from?
Earnings per share at Zions Bancorp N.A. grew +13.4 % a year from 2014 to 2025. Broken into its drivers: revenue per share +11.2 %, EBIT margin −0.3 %, tax rate +2.2 %, residual (interest, one-offs) +0.1 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.

Key figures of Zions Bancorp N.A.

How large is the market capitalisation of Zions Bancorp N.A. (0M3L)?
The market capitalisation of Zions Bancorp N.A. is $9.3B. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Zions Bancorp N.A. (0M3L)?
The price-to-sales ratio of Zions Bancorp N.A. is 0.02 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Zions Bancorp N.A. (0M3L)?
Earnings per share at Zions Bancorp N.A. are $6.17 (price ÷ EPS = P/E 0.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Zions Bancorp N.A. (0M3L)?
The dividend yield of Zions Bancorp N.A. is 2.9% (payout 29.2%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Zions Bancorp N.A. (0M3L)?
The net margin of Zions Bancorp N.A. is 18.2% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Zions Bancorp N.A. (0M3L)?
The return on equity (ROE) of Zions Bancorp N.A. is 16.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Zions Bancorp N.A. (0M3L)?
On an EBIT basis the return on assets of Zions Bancorp N.A. is 1.5% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Zions Bancorp N.A. (0M3L)?
The operating margin of Zions Bancorp N.A. is 52.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Zions Bancorp N.A. (0M3L)?
Revenue at Zions Bancorp N.A. is growing +35.2% versus a year earlier (3y avg +14.2%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Zions Bancorp N.A. (0M3L)?
Earnings per share at Zions Bancorp N.A. are growing +87.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Zions Bancorp N.A. (0M3L) carry?
The net debt of Zions Bancorp N.A. is $3.9B (fiscal year 2025, ≈ 4.0 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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