Is ZION stock a Buy, Sell, or Hold?

Based on our analysis, ZION is currently a HOLD with low confidence. 📊 HOLD: ZION is fairly valued with market pricing in 0.3% annual growth. Fine to hold or accumulate slowly on dips.

What is the fair value of ZION stock?

Our analysis estimates the fair value range for ZION to be between $62.15 and $65.73. The current price is $66.20.

What is the analyst price target for ZION?

The average Wall Street analyst price target for ZION is $72.50. This implies a potential upside of 9.5% from current levels.

Zions Bancorporation N.A. (ZION) Stock: Buy, Sell, or Hold?

ZION - Zions Bancorporation N.A.

NATIONAL COMMERCIAL BANKS

$66.20

-0.19 (-0.29%) ▼

5d: +4.47%

30d: +5.38%

90d: -3.39%

HOLD

LOW Confidence

Protect Your ZION Gains

Analysis Updated: Oct 23, 2026 12:00 AM ET

Earnings: Oct 19, 2026 0d

Smart Money Distribution

Options positioning is turning defensive after a sharp run-up - a pattern consistent with institutional profit-taking. View Scanner →

Signal fired Oct 19, 2026 at $63.14 · last confirmed Oct 19, 2026

Strength: 4.9/10

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Interactive Price Chart (1 Month)

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💡

Bottom Line:
📊 HOLD: ZION is fairly valued with market pricing in 0.3% annual growth. Fine to hold or accumulate slowly on dips.

See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

Adjust Growth Assumption: 3.2%

0% (Stagnation) 50% (Hyper Growth)

EST. PRICE IN 2031

$78.62

Based on 3.6% avg growth

INTRINSIC VALUE TODAY

$48.82

Trading above historical range

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 9.5x Exit PE.

View Full DCF Model

In-depth Analysis How we analyze

Valuation Analysis: ZION is currently trading at $66.20, which is considered extended relative to its 30-day fair value range of $62.15 to $65.73. The stock's valuation (Forward PE: 9.6) is in line with its historical norms (9.5). At these levels, the market is pricing in 0.3% annual earnings growth. This growth rate appears achievable given the company's track record, suggesting the valuation is rational.

Technical Outlook: Technically, ZION is in a strong uptrend. The price is approaching resistance at $66.83. A breakout above this level would be a bullish signal, while rejection here could lead to consolidation.

Market Sentiment: ZION scores 35/100 on our bottoming-setup gauge. Note this measures entry quality, not trend direction — a low score can mean the chart is extended after a strong run (don't chase) or still falling without stabilization; better entries typically come after a pullback toward the 20-day average. The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position EXTENDED

Historical Trading Range $62.15 - $65.73

Company Quality Score 58/100 (HOLD)

Volume Confirmation HIGH

Confidence Score 24.8%

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All Signals

BEARISH: Price extended above range
BEARISH: Weak technical setup (35/100)
BULLISH: High volume confirmation
NEUTRAL: Near Wall St target ($72.50)
NEUTRAL: Market pricing in 0.3% annual earnings growth - fairly valued

Trading Range Analysis

30-Day Trading Range $62.15 - $65.73

Current vs Trading Range EXTENDED

Support & Resistance Levels

Support Level $60.89

Resistance Level $66.83

Current Trend Strong Uptrend

Technical data as of Oct 23, 2026

Fundamental Context

Forward P/E (Next Year Est.) 9.55

Wall Street Target $72.50 (+9.5%)

Revenue Growth (YoY) 9.5%

Earnings Growth (YoY) 20.3%

Profit Margin 32.2%

Valuation Premium vs History +0.3% premium

PE vs Historical 9.6 vs 9.5 FAIR

Market-Implied Price Targets If current PE multiple persists

Implied Growth (YoY): +0.3% (market-implied from PE analysis)

1-Year Target $66.40 (+0%)

2-Year Target $66.60 (+1%)

3-Year Target $66.80 (+1%)

3-Yr Target (if PE normalizes) (PE: 10→10) PE COMPRESSION $66.47 (+0%)

Earnings growth offset by PE compression

3-Year Scenarios Using analyst projected EPS growth

Bull: (PE: 19.9, Growth: 3.2%) $151.21 (+128%)

Base: (SPY PE: 9.5, Growth: 3.2%) $72.69 (+10%)

Bear: (PE: 8.1, Growth: 3.2%) $61.78 (-7%)

📈 Valuation based on Current Earnings

Trailing PE: 8.15 | Current EPS (TTM): $8.15

Bull Case $62.14 (-6%)

Analyst growth -14.9%, PE expands to 9.0

Base Case $56.49 (-15%)

Market implied -14.9%, PE stable at 8.2

Bear Case $45.15 (-32%)

Severe decline -20.0%, PE contracts to 6.9

These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.

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Last updated: October 23, 2026 9:43 PM ET
Data refreshes hourly during market hours. Next update: 10:43 PM

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Insider Activity (6 Months)

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Advanced ZION Option Strategies

Professional options setups generated by AI based on today's ZION price and gamma walls.

Iron Condor Bull Call Bear Put Collar

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