Expectations trend
FY2027 · fiscal year ending 2027-12-31 · fmp
Zions Bancorporation (ZION)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$66.63+1.34%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
The long-term thesis, the evidence coming in, and the environment around it. Thesis dated Jul 8, 2026.
Next-FY EPS estimate change · 30 days
6.83 → 7.01 EPS · FY ending Dec 31, 2027 · 16 analysts
One observable signal. This measures changing earnings expectations, not the probability of a gain or loss.
Change in the same fiscal period’s mean EPS estimate from Oct 5, 2026 to Nov 4, 2026: (new ÷ prior − 1). Contributor count changed from 16 to 16; this is not the number of analysts revising. The ±10% axis is a display range.
The EPS and P/E reference is not available for ZION yet.
| Measure / period | Management expectations | Analyst expectations |
|---|
Management figures unavailable.
Current consensus figures unavailable.
4 published thesis conditions, with dated milestones shown separately.
| Key Factor | Why It Matters | Current Status | Break Condition | Latest Evidence |
|---|---|---|---|---|
Cash from operating activities to remain above $423 million quarterly | Cash from operating activities more than doubled to $423 million. | Intact | quarterly cash from operations falls below $179 million | Cash from operations: $0 FY2026-Q3; GAAP. Published target: >= $423 million per quarter. Target period is not explicitly aligned with this observation. Oct 19, 20260 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Compare these dated observations with the operating requirements above
FY2027 · fiscal year ending 2027-12-31 · fmp
The evidence, the remaining questions, and what comes next
No recovery evidence is reported in the available driver assessments.
Observed price history; separate from operating scenarios
The weekly editorial context below is a separate assessment from the dated monitor evidence above. Recovery observations do not automatically change the published thesis. Unverified outside influences are hypotheses, not measured driver evidence.
This is a regional bank investment with a value tilt, rather than a clear turnaround or high-growth story. The thesis has recently strengthened after earnings beats, but the overall thesis state remains unclear because there is not enough recent financial-performance history.
The valuation is described as cheap, and it is roughly aligned with peers. Expectations appear modestly below the model’s view, while the priced-in assessment says current conditions do not create concentrated fragility.
Over the multi-year view, recent results show customer-related fee income, loans, and deposits growing, while net loan charge-offs and classified loans declined. Near term, flat linked-quarter loan growth and mixed credit-quality progress leave some execution risk; the evidence also notes low but nonzero miss risk.
The thesis depends on continued growth in customer-related fee income, loans, and deposits, alongside sustained improvement in credit quality. A guidance cut or Federal Reserve rate cuts would be unfavorable; continued earnings strength among financial-sector peers would support the sector backdrop.
Over the next one to three years, ZION’s long-term thesis rests on continued operating progress and credit improvement, with interest rates and execution as key swing factors. Not investment advice.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
| A supporting condition in Zions Bancorporation's published investment case. The stated target is >= $6.01 EPS. |
| Broken |
| EPS guidance falls below $6.01 for FY26 |
Diluted EPS: $1.78 per share FY2026-Q3; GAAP. Published target: >= $6.01 EPS. Annual target cannot be compared with a quarterly or TTM observation. Oct 19, 20261.78 USD/share · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Net income growth to at least $233 million quarterly | Net income rose from $170 million to $233 million in one year. | Intact | quarterly net income falls below $170 million | Net income: $263M FY2026-Q3; GAAP. Published target: >= $233 million per quarter. Target period is not explicitly aligned with this observation. Oct 19, 2026263,000,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Revenue growth to at least $172 million quarterly | A primary condition in Zions Bancorporation's published investment case. The stated target is >= $172 million per quarter. | Intact | quarterly revenue falls below $158 million | Revenue: $1.243B FY2026-Q3; GAAP. Published target: >= $172 million per quarter. Target period is not explicitly aligned with this observation. Oct 19, 20261,243,000,000 USD · source valueLast status assessment Nov 4, 2026Compare required operating outcomesCompare scope, accounting basis and period before treating this evidence as progress against an annual requirement. |
Stored thesis · Jul 8, 2026. Latest Evidence uses source-matched measurements where available, alongside the last thesis-monitor assessment. Source periods and assessment dates are shown separately. A new measurement does not automatically change the published status or verify an older target.
$6.87 → $7.01 · observed estimates
$3.72B → $3.74B · observed estimates
One fiscal period and provider throughout. At least five contributors are required for each plotted metric; missing coverage stays a gap. Axes show the observed range. Counts measure coverage, not revisions.
| Snapshot | EPS | Revenue | EPS / revenue analysts |
|---|---|---|---|
| 2026-07-24 | $6.87 | $3,720,756,694 | 18 / 10 |
| 2026-07-25 | $6.81 | $3,706,610,690 | 21 / 13 |
| 2026-07-26 | $6.81 | $3,706,610,690 | 21 / 13 |
| 2026-07-27 | $6.87 | $3,720,756,694 | 18 / 10 |
| 2026-07-28 | $6.87 | $3,717,109,636 | 18 / 10 |
| 2026-07-29 | $6.87 | $3,717,109,636 | 18 / 10 |
| 2026-07-30 | $6.82 | $3,706,610,690 | 21 / 13 |
| 2026-07-31 | $6.82 | $3,706,610,690 | 20 / 13 |
| 2026-08-01 | $6.87 | $3,717,109,636 | 18 / 10 |
| 2026-08-02 | $6.82 | $3,706,610,690 | 20 / 13 |
| 2026-08-03 | $6.82 | $3,706,610,690 | 20 / 13 |
| 2026-08-04 | $6.82 | $3,706,610,690 | 20 / 13 |
| 2026-08-05 | $6.82 | $3,706,610,690 | 20 / 13 |
| 2026-08-06 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-08 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-09 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-10 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-12 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-13 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-14 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-15 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-16 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-17 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-18 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-19 | $6.87 | $3,717,109,636 | 17 / 10 |
| 2026-08-20 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-21 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-22 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-23 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-24 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-25 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-26 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-27 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-28 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-29 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-30 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-08-31 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-09-01 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-09-02 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-09-03 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-09-04 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-09-05 | $6.86 | $3,714,203,930 | 17 / 10 |
| 2026-09-06 | $6.86 | $3,714,197,989 | 17 / 10 |
| 2026-09-07 | $6.86 | $3,714,197,989 | 17 / 10 |
| 2026-09-08 | $6.86 | $3,714,197,989 | 17 / 10 |
| 2026-09-09 | $6.86 | $3,715,772,865 | 17 / 10 |
| 2026-09-10 | $6.86 | $3,716,184,453 | 17 / 10 |
| 2026-09-11 | $6.86 | $3,716,184,453 | 17 / 10 |
| 2026-09-12 | $6.86 | $3,716,184,453 | 16 / 10 |
| 2026-09-13 | $6.86 | $3,716,184,453 | 16 / 10 |
| 2026-09-14 | $6.86 | $3,716,184,453 | 16 / 10 |
| 2026-09-15 | $6.87 | $3,717,552,629 | 17 / 11 |
| 2026-09-16 | $6.87 | $3,717,552,629 | 17 / 11 |
| 2026-09-17 | $6.87 | $3,717,552,629 | 17 / 11 |
| 2026-09-18 | $6.87 | $3,717,552,629 | 17 / 11 |
| 2026-09-19 | $6.87 | $3,717,552,629 | 17 / 11 |
| 2026-09-20 | $6.87 | $3,717,552,629 | 17 / 11 |
| 2026-09-21 | $6.87 | $3,717,552,629 | 17 / 11 |
| 2026-09-22 | $6.87 | $3,716,023,250 | 17 / 11 |
| 2026-09-23 | $6.87 | $3,716,023,250 | 17 / 11 |
| 2026-09-24 | $6.86 | $3,712,993,972 | 16 / 10 |
| 2026-09-25 | $6.86 | $3,713,460,639 | 17 / 11 |
| 2026-09-26 | $6.86 | $3,713,460,639 | 17 / 11 |
| 2026-09-27 | $6.86 | $3,713,460,639 | 17 / 11 |
| 2026-09-28 | $6.86 | $3,713,460,639 | 17 / 11 |
| 2026-09-29 | $6.86 | $3,714,776,366 | 18 / 11 |
| 2026-09-30 | $6.86 | $3,714,776,366 | 18 / 11 |
| 2026-10-01 | $6.86 | $3,713,109,699 | 16 / 11 |
| 2026-10-02 | $6.84 | $3,709,690,871 | 16 / 11 |
| 2026-10-03 | $6.83 | $3,708,116,327 | 16 / 11 |
| 2026-10-04 | $6.83 | $3,708,116,327 | 16 / 11 |
| 2026-10-05 | $6.83 | $3,708,116,327 | 16 / 11 |
| 2026-10-06 | $6.83 | $3,708,116,327 | 16 / 11 |
| 2026-10-07 | $6.85 | $3,713,443,714 | 16 / 11 |
| 2026-10-08 | $6.85 | $3,714,832,603 | 16 / 11 |
| 2026-10-09 | $6.86 | $3,715,311,488 | 16 / 11 |
| 2026-10-10 | $6.86 | $3,715,310,381 | 16 / 11 |
| 2026-10-11 | $6.88 | $3,719,010,381 | 16 / 12 |
| 2026-10-12 | $6.88 | $3,719,010,381 | 16 / 12 |
| 2026-10-13 | $6.88 | $3,719,010,381 | 16 / 12 |
| 2026-10-14 | $6.88 | $3,719,010,381 | 16 / 12 |
| 2026-10-15 | $6.87 | $3,719,010,381 | 16 / 12 |
| 2026-10-16 | $6.87 | $3,719,010,381 | 16 / 12 |
| 2026-10-17 | $6.87 | $3,719,010,381 | 16 / 12 |
| 2026-10-18 | $6.87 | $3,719,010,381 | 16 / 12 |
| 2026-10-19 | $6.87 | $3,719,010,381 | 16 / 12 |
| 2026-10-20 | $6.96 | $3,741,836,010 | 16 / 12 |
| 2026-10-21 | $6.99 | $3,743,577,238 | 16 / 12 |
| 2026-10-22 | $6.99 | $3,740,132,793 | 15 / 12 |
| 2026-10-23 | $6.99 | $3,740,132,793 | 15 / 11 |
| 2026-10-24 | $6.99 | $3,740,132,793 | 16 / 12 |
| 2026-10-25 | $7.00 | $3,742,355,015 | 16 / 12 |
| 2026-10-26 | $7.00 | $3,742,355,015 | 16 / 12 |
| 2026-10-27 | $7.00 | $3,742,355,015 | 16 / 12 |
| 2026-10-28 | $7.01 | $3,745,099,460 | 16 / 12 |
| 2026-10-29 | $7.01 | $3,745,099,460 | 16 / 12 |
| 2026-10-30 | $7.01 | $3,745,099,460 | 16 / 12 |
| 2026-10-31 | $7.01 | $3,745,099,460 | 16 / 12 |
| 2026-11-01 | $7.01 | $3,745,099,460 | 16 / 12 |
| 2026-11-02 | $7.01 | $3,745,099,460 | 16 / 12 |
| 2026-11-03 | $7.01 | $3,744,515,388 | 16 / 12 |
| 2026-11-04 | $7.01 | $3,744,515,388 | 16 / 12 |
Revenue and EPS estimates track expectations. They are not delivered results or like-for-like proof of a required annual path.
Latest: 8 Buy / Strong Buy · 11 Hold · 4 Sell / Strong Sell
Recent actions · Oct 6–Nov 4 · 12 recorded
2 raises · 5 cuts · 0 unchanged · 1 without a comparable prior
Oct 6, 2026–Nov 4, 2026. Each firm's latest positive target is paired only with its immediately prior positive target from the same provider, at most 180 days earlier. Unmatched observations have one dot; conflicting observations are not compared.
Next earnings date unavailable
Look for updated results and guidance against the published targets, plus direct evidence for unresolved drivers.
4 of 4 published conditions remain under pressure or need verification. The next results need to address those conditions.
The dated weekly assessment and its assumptions are available in Read detailed Outlook.