Zions Bancorporation (ZION)
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
$66.63+1.34%
Close 2026-11-04 · 1-day change
NASDAQFinancialsBanks - RegionalSnapshot 2026-11-04
QuarterlyIQ Insights · ZION
What must go right, what could break, what the price assumes, and what evidence comes next.
The current health of the standing investment case.
No current thesis-health read is available for this company.
One-year growth currently built into the price, compared with our model's estimate.
| Measure | Marker shape | Value |
|---|---|---|
| Growth built into the price | circle | -3.3% |
| Our one-year growth estimate | diamond | 5.1% |
For each item: what to watch, what would become a concern, and what would make it less concerning.
A reporting-risk estimate, not a forecast of the stock-price response.
Historical relationships that met the evidence threshold. They do not prove cause or forecast a move.
Usually moved in the same direction.
Price observations: 365 days
Most sensitive to the broad stock market.
Based on historical daily prices through 2026-11-04.
Past price behavior in dollars on a $10,000 position. This does not measure permanent business risk.
How much price usually moves either way.
A larger daily loss that occurred about once in every 20 trading days.
Use the underlying financial and sector pages to investigate the cause.
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
Growth built into the price is above our model estimate.
The price assumes 8.4 percentage points less one-year growth.
The one-year revenue growth assumption on Valuation.
Model as of 2026-11-04 · Compared with 230 industry peers · Company calendar date is not available
ZION — Principal Accounting Officer transition
Dated 2026-09-08
Corporate Controller — Brian Stringham: The filing discloses an internal promotion where an existing employee succeeds the Corporate Controller, while the outgoing officer moves to a different internal role rather than leaving the company.
Why it matters: Management says higher rates may help net interest income. But Q3 margin fell to 3.23% from 3.28% a year ago.
Watch forNet interest income tops $684 million, and net interest margin tops 3.23% in Q4.
Also watch forNet interest income falls below $684 million or net interest margin falls below 3.23% in Q4.
Why it matters: Management said loan payoffs and competition left loans flat from Q2. A return to growth would show demand is keeping pace.
Supportive ifLoans and leases rise above $62.5 billion in the next reported quarter.
Worry ifLoans and leases stay at or below $62.5 billion. Or management again says payoffs and competition limit growth.
Why it matters: Adjusted expenses rose 6% year over year in Q3. Faster growth could weigh on earnings from the bank's core business.
Worry ifAdjusted noninterest expense rises by more than 5% from the same quarter last year.
Less concerning ifAdjusted noninterest expense grows 5% or less year over year.
Why it matters: Fee income rose 5% in Q3, after 11% growth in Q2. Continued growth would support a key company goal.
Supportive ifCustomer-related fee income grows by more than 5% from the same quarter last year.
Worry ifCustomer-related fee income grows 5% or less year over year, or falls from the prior quarter's $192 million.
We watch for confirming and disproving signals on each item. Resolutions are found automatically where possible and checked by hand for unclear cases. Last 90 days shown.
Deepest peak-to-trough drop in the last year.
| Measure | Value | Meaning |
|---|---|---|
| Typical day | ±$86 on $10,000 · ±0.9% | How much price usually moves either way. |
| Bad day | $248 loss on $10,000 · 2.5% | A larger daily loss that occurred about once in every 20 trading days. |
| Largest peak-to-trough drop in the past year | $1,806 loss on $10,000 · 18.1% | Deepest peak-to-trough drop in the last year. |
Past year. 1.00 means similar movement; 1.20 means about 20% more.
Past year. 1.00 means similar movement to the sector. This is secondary context.
Latest 30 trading days, shown as an annual percentage.
Latest 252 trading days, shown as an annual percentage.
20-trading-day average in US dollars.
Trading days used by the source risk snapshot.
Past results, not a forecast. Not investment advice.
Why it matters: Classified loans fell from $2.4 billion a year ago to $2.1 billion. A rise would weaken the recent sign of better credit.
Worry ifClassified loans rise above $2.1 billion, or their share of loans exceeds 3.40%.
Less concerning ifClassified loans fall below $2.1 billion and their share stays below 3.40%.