It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? The Zacks Style Scores, developed alongside the Zacks Rank, are complementary indicators that rate stocks based on three widely-followed investing methodologies; they also help investors pick stocks with the best chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.
How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.
Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.94% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.
Here's an example: a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one with Style Scores of A and B, still has a downward-trending earnings outlook, and a bigger chance its share price will decrease too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Zions (ZION - Free Report) Zions Bancorporation, National Association, founded in 1873 and headquartered in Salt Lake City, UT, is a diversified financial services firm with a network of more than 400 branches. The company operates across 11 western states: Utah, California, Idaho, Arizona, Nevada, Colorado, Texas, New Mexico, Washington, Oregon and Wyoming.
ZION is a #2 (Buy) on the Zacks Rank, with a VGM Score of B.
It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 10.63; value investors should take notice.
Eight analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $0.06 to $6.50 per share. ZION boasts an average earnings surprise of +15.2%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, ZION should be on investors' short list.
On July 21, 2026, Zions Bancorp NA (ZION) shares fell 4.0% to a current price of $69.06. This drop comes amid a 52-week range of $46.19 to $73.34, reflecting si
It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
Zacks Premium includes access to the Zacks Style Scores as well.
What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.
Growth ScoreGrowth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreWhat if you like to use all three types of investing? The VGM Score is a combination of all Style Scores, making it one of the most comprehensive indicators to use with the Zacks Rank. It rates each stock on their combined weighted styles, which helps narrow down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank, which is a proprietary stock-rating model, employs earnings estimate revisions, or changes to a company's earnings expectations, to make building a winning portfolio easier.
Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.94% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
This totals more than 800 top-rated stocks, and it can be overwhelming to try and pick the best stocks for you and your portfolio.
That's where the Style Scores come in.
To have the best chance of big returns, you'll want to always consider stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B, which will give you the highest probability of success. If you're looking at stocks with a #3 (Hold) rank, it's important they have Scores of A or B as well to ensure as much upside potential as possible.
As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Zions (ZION - Free Report) Zions Bancorporation, National Association, founded in 1873 and headquartered in Salt Lake City, UT, is a diversified financial services firm with a network of more than 400 branches. The company operates across 11 western states: Utah, California, Idaho, Arizona, Nevada, Colorado, Texas, New Mexico, Washington, Oregon and Wyoming.
ZION is a #2 (Buy) on the Zacks Rank, with a VGM Score of B.
Momentum investors should take note of this Finance stock. ZION has a Momentum Style Score of B, and shares are up 7.1% over the past four weeks.
For fiscal 2026, eight analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.05 to $6.49 per share. ZION boasts an average earnings surprise of +15.2%.
With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, ZION should be on investors' short list.
Zions Bancorp (NASDAQ:ZION) reported upbeat earnings for the second quarter on Monday.
The company posted quarterly earnings of $3.05 per share which beat the analyst consensus estimate of $1.71 per share. The company reported quarterly sales of $1.137 billion which beat the analyst consensus estimate of $901.498 million.
Zions Bancorp shares fell 3.9% to trade at $69.10 on Tuesday.
These analysts made changes to their price targets on Zions Bancorp following earnings announcement.
Baird analyst David George maintained the stock with a Neutral and raised the price target from $68 to $75. TD Cowen analyst Janet Lee maintained the stock with a Hold and raised the price target from $71 to $73. Considering buying ZION stock? Here’s what analysts think:
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Key Takeaways Zions beat Q2 earnings estimates; adjusted EPS rose 10.1% y/y.ZION's NII grew y/y, supported by lower funding costs and higher-yielding loans.ZION's adjusted expenses rose 4.8%, while shares fell 2.8% after hours despite the earnings beat. Zions Bancorporation’s (ZION - Free Report) second-quarter 2026 adjusted earnings of $1.74 per share surpassed the Zacks Consensus Estimate of $1.57. Moreover, the bottom line increased 10.1% from the year-ago quarter.
Results were primarily aided by higher net interest income (NII) and growth in non-interest income. Higher sequential loan balance was another positive. However, a rise in non-interest expenses hurt the results to some extent. In the reported quarter, the company recorded a provision expense as against a benefit in the year-ago quarter. Probably because of these negatives, shares of the company lost 2.8% in the after-market hours despite better-than-expected overall performance.
The reported quarter’s results excluded net equity investment gains of $215 million on Visa Class B-1 shares and $37 million on SBIC investments. After considering these, net income attributable to common shareholders (GAAP) was $452 million, up 86% year over year. We had projected the metric to be $396 million.
Zions’ Revenues Improve, Expenses RiseNet revenues (taxable-equivalent) were $1.15 billion, up 35% year over year. Adjusted tax-equivalent net revenues were $878 million. The Zacks Consensus Estimate for second-quarter revenues was $879.2 million.
NII was $677 million, up 4.5% from the prior-year quarter. The increase was mainly driven by lower funding costs and an improved mix of average interest-earning assets, reflecting growth in higher-yielding loans and a decline in lower-yielding investment securities. The net interest margin (NIM) expanded 10 basis points (bps) year over year to 3.27%. Our estimates for NII and NIM were $671 million and 3.29%, respectively.
Non-interest income was $460 million, up significantly from $190 million in the year-ago quarter. The rise was driven by an increase in almost all fee income components, except for dividends and other income. In the reported quarter, the company recorded net securities gains of $269 million, up significantly from $14 million in the prior-year quarter. Adjusted non-interest income was $190 million in the reported quarter. We had projected non-interest income of $186.7 million.
Adjusted non-interest expenses were $546 million, up 4.8% year over year. Our estimate for the metric was $551 million.
The adjusted efficiency ratio was 62.2%, unchanged from the prior-year quarter.
Zion’s Loans Increase, Deposits Decline MarginallyAs of June 30, 2026, net loans and leases held for investment were $61.8 billion, up 1.9% from the previous quarter. Total deposits were $76.6 billion, down marginally from the prior quarter. Our estimates for net loans and leases held for investment and total deposits were $62.1 billion and $76.3 billion, respectively.
ZION’s Credit Quality: A Mixed BagThe ratio of non-performing assets to loans and leases and other real estate owned declined to 0.48% from 0.51% in the year-ago quarter. Net loan and lease charge-offs were $9 million, down from $10 million in the prior-year quarter.
However, in the reported quarter, the company recorded a provision for credit losses of $3 million against a $1-million provision benefit in the prior-year quarter. We had projected provisions of $16 million.
Strong Capital & Profitability Ratios for ZionsAs of June 30, 2026, the common equity tier 1 (CET1) capital ratio was 11.8%, up from 11% in the prior-year quarter. The Tier 1 risk-based capital ratio was 11.9% compared with 11.1% a year ago, while the Tier 1 leverage ratio improved to 9.4% from 8.5% at the end of the year-ago quarter.
Return on average assets was 2.01%, up from 1.09% in the year-ago quarter. Return on average tangible common equity was 28.6%, up from 18.7% in the prior-year quarter.
ZION’s Share Repurchase UpdateDuring the quarter, the company repurchased 1.2 million shares for $75 million.
Our Take on ZIONZions’ modest loan growth, improving NII, solid fee income growth and strengthening deposit base are encouraging. However, elevated expenses and significant exposure to commercial loans remain key concerns.
Currently, Zions carries a Zacks Rank #2 (Buy). You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other BanksCommerce Bancshares Inc.’s (CBSH - Free Report) second-quarter 2026 earnings of $1.10 per share surpassed the Zacks Consensus Estimate of $1.04. The bottom line reflected a rise of 1% from the prior-year quarter.
CBSH’s results primarily benefited from higher NII and a rise in non-interest income. The sequential rise in loan balances acted as a tailwind. However, higher expenses and provisions hurt CBSH’s results to some extent.
F.N.B. Corporation (FNB - Free Report) reported second-quarter 2026 earnings of 42 cents per share, which matched the Zacks Consensus Estimate. The bottom line jumped 16.7% year over year.
FNB’s results primarily benefited from higher NII, a rise in non-interest income and lower provisions. Higher average loans and deposits were other positives. However, higher non-interest expenses hurt the results to some extent.
Zions (ZION - Free Report) reported $879 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 3.3%. EPS of $1.74 for the same period compares to $1.58 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $879.16 million, representing a surprise of -0.02%. The company delivered an EPS surprise of +10.83%, with the consensus EPS estimate being $1.57.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Zions performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 62.2% versus the five-analyst average estimate of 62.7%.Net interest margin: 3.3% versus 3.4% estimated by five analysts on average.Average balance - Total interest-earning assets: $84.35 billion versus the four-analyst average estimate of $82.99 billion.Net charge-offs to average loans and leases: 0.1% compared to the 0.1% average estimate based on four analysts.Total nonaccrual Loan: $292 million versus $306.75 million estimated by three analysts on average.Total nonperforming assets: $298 million compared to the $317.58 million average estimate based on three analysts.Tier 1 risk-based capital ratio: 11.9% versus the two-analyst average estimate of 11.8%.Total risk-based capital ratio: 14% compared to the 14% average estimate based on two analysts.Tier 1 leverage ratio: 9.4% versus the two-analyst average estimate of 9.3%.Total Noninterest Income: $460 million versus the five-analyst average estimate of $189.81 million.Commercial account fees: $49 million compared to the $49.14 million average estimate based on four analysts.Other customer-related fees: $16 million compared to the $15.03 million average estimate based on four analysts.View all Key Company Metrics for Zions here>>>
Shares of Zions have returned +9.2% over the past month versus the Zacks S&P 500 composite's +0.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
(We are reissuing this article to correct a mistake. The original article, issued on July 20, 2026, should no longer be relied upon.)
Zions Bancorporation, National Association (ZION) Q2 2026 Earnings Call July 20, 2026 5:30 PM EDT
Company Participants
Dave Riches
Harris Simmons - Chairman & CEO
R. Richards - Executive VP & CFO
Scott McLean - President, COO & Director
Derek Steward - Executive VP & Chief Credit Officer
Conference Call Participants
John Pancari - Evercore ISI Institutional Equities, Research Division
David Smith - Truist Securities, Inc., Research Division
Manan Gosalia - Morgan Stanley, Research Division
Bernard Von Gizycki - Deutsche Bank AG, Research Division
Benjamin Gerlinger - Citigroup Inc., Research Division
David Chiaverini - Jefferies LLC, Research Division
Christopher McGratty - Keefe, Bruyette, & Woods, Inc., Research Division
Kenneth Usdin - Bernstein Autonomous LLP
Peter Winter - D.A. Davidson & Co., Research Division
David Rochester - Cantor Fitzgerald & Co., Research Division
Anthony Elian - JPMorgan Chase & Co, Research Division
Sun Young Lee - TD Cowen, Research Division
Christopher Spahr - Wells Fargo Securities, LLC, Research Division
Jon Arfstrom - RBC Capital Markets, Research Division
Presentation
Operator
Greetings, and welcome to the Zions Bancorp Second Quarter Earnings Conference Call. [Operator Instructions] Please note that this conference is being recorded. I'll now turn the call over to Dave Riches. Thank you, Dave. You may begin.
Dave Riches
Thank you, Julian, and good evening, everyone. Welcome to our conference call to discuss Zions Bank Corporation's Second Quarter 2026 results. My name is Dave Riches, Interim Director of Investor Relations. Before we begin, I would like to remind you that during this call, we will be making forward-looking statements. Actual results may differ materially. We encourage you to review the forward-looking statements and non-GAAP disclosures in our press release and on Slide 2 of today's presentation, which apply equally to statements made during this call.
A copy of the earnings release and the presentation are available at zionsbancorporation.com. For our agenda today, Chairman and Chief Executive Officer, Harris Simmons, will
Zions (ZION - Free Report) reported $879 million in revenue for the quarter ended June 2026, representing a year-over-year increase of 3.3%. EPS of $1.74 for the same period compares to $1.58 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $879.16 million, representing a surprise of -0.02%. The company delivered an EPS surprise of +10.83%, with the consensus EPS estimate being $1.57.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Zions performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
Efficiency Ratio: 62.2% versus the five-analyst average estimate of 62.7%.Net interest margin: 3.3% versus 3.4% estimated by five analysts on average.Average balance - Total interest-earning assets: $84.35 billion versus the four-analyst average estimate of $82.99 billion.Net charge-offs to average loans and leases: 0.1% compared to the 0.1% average estimate based on four analysts.Total nonaccrual Loan: $292 million versus $306.75 million estimated by three analysts on average.Total nonperforming assets: $298 million compared to the $317.58 million average estimate based on three analysts.Tier 1 risk-based capital ratio: 11.9% versus the two-analyst average estimate of 11.8%.Total risk-based capital ratio: 14% compared to the 14% average estimate based on two analysts.Tier 1 leverage ratio: 9.4% versus the two-analyst average estimate of 9.3%.Total Noninterest Income: $191 million versus the five-analyst average estimate of $189.81 million.Commercial account fees: $49 million compared to the $49.14 million average estimate based on four analysts.Other customer-related fees: $16 million compared to the $15.03 million average estimate based on four analysts.View all Key Company Metrics for Zions here>>>
Shares of Zions have returned +9.2% over the past month versus the Zacks S&P 500 composite's +0.6% change. The stock currently has a Zacks Rank #2 (Buy), indicating that it could outperform the broader market in the near term.
3 High-Yield Banks for Investors to Buy on the DipZions Bancorporation, N.A. NASDAQ: ZION reported sharply higher second-quarter 2026 earnings, helped by one-time gains, while management pointed to steady net interest margin, modest loan growth, stronger fee income and solid credit quality.
Chairman and Chief Executive Officer Harris Simmons said the company was “reasonably pleased” with the results, which he said reflected “meaningful year-over-year improvement and continued progress” on strategic priorities. Net earnings available to common shareholders were $452 million, or $3.05 per share.
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New York Community Bank stock plummets amid real estate risksThe quarter included two notable items: a $215 million pretax gain from the liquidation of Visa Class B-1 shares and a $37 million net unrealized pretax gain tied to a small business investment company investment, after a success fee accrual. Excluding those items, Simmons said earnings per share were $1.74, up from $1.58 in the year-earlier quarter.
Net Interest Income and Margin Remain Stable Chief Financial Officer Ryan Richards said taxable-equivalent net interest income was $677 million, up $15 million, or 2%, from the prior quarter and up $29 million, or 4%, from the year-ago quarter. The net interest margin was 3.27%, flat with the prior quarter and up 10 basis points from a year earlier.
Banking and trucking: Is the economy rolling toward troubles?Richards said the year-over-year margin improvement primarily reflected lower funding costs for deposits and borrowings. Average loans increased at a 4.7% annualized rate during the quarter, led by commercial and industrial lending, while average customer deposits rose 4.0%.
Management faced repeated questions from analysts about the company’s net interest income outlook and the impact of potential rate hikes. Richards said the company’s guidance incorporated one rate increase implied by the forward curve at the time of its forecast. He later clarified that, with one hike included, the company sees the potential for upper-single-digit year-over-year net interest income growth by the second quarter of 2027. Without a rate hike, Richards said net interest income would still be expected to increase moderately.
Deposit Competition Remains a Focus Executives described the deposit market as competitive, particularly as some targeted deposit campaigns approach wholesale funding rates. Richards said the company saw noninterest-bearing balances decline on a period-end basis, partly reflecting second-quarter seasonality, while interest-bearing balances increased.
President and Chief Operating Officer Scott McLean said the company’s marketing efforts are focused on granular consumer and small-business deposits. Simmons highlighted the launch of Business Beyond, a new deposit and payments account for small businesses, which follows the consumer-focused Gold Account introduced last year. Simmons said the company has opened more than 10,000 accounts between the two products so far this year.
McLean also said Zions has about $6.5 billion to $7 billion in off-balance-sheet deposits, down from a peak of roughly $12 billion, and has been bringing some of those balances back on balance sheet when doing so is accretive compared with overnight borrowing costs. He said deposits brought in through the company’s wholesale deposit campaign are generally 30 to 40 basis points accretive to overnight borrowings.
Fee Income Supported by Capital Markets Customer-related noninterest income was $182 million, compared with $172 million in the prior quarter and $164 million a year earlier. Richards said results reflected broad-based growth across nearly all revenue streams, with capital markets fees increasing by $8 million, supported by higher real estate capital markets and investment banking advisory fees.
Simmons said the company’s capital markets division has become an important contributor to fee income growth since its launch in 2020. He also discussed Zions’ agreement to acquire Basis Investment Group’s Fannie Mae and Freddie Mac multifamily lending business line, related mortgage servicing rights and an experienced team. The transaction is expected to close in the third quarter.
Simmons said any revenue or financial contribution from the Basis transaction is not included in the company’s current outlook because the deal has not yet closed. He added that the financial benefits are expected to build gradually as the platform is integrated and production volumes ramp up.
During the question-and-answer session, McLean said the company expects a “nice upward trajectory” in capital markets revenue as multiple product areas contribute, while Richards said the business should become more durable as Zions adds capabilities in real estate capital markets, advisory fees and multifamily lending.
Expenses, Credit Quality and Capital Adjusted noninterest expense was $546 million, down from the prior quarter primarily because of seasonal compensation, but higher than a year earlier due to increased professional and outsourced services, higher incentive compensation and technology costs. Richards said Zions continues to expect positive operating leverage for full-year 2026 in the range of 100 to 150 basis points, excluding the Visa gain.
Credit quality remained strong. Net charge-offs were six basis points of average loans on an annualized basis, and the nonperforming assets ratio was unchanged sequentially at 48 basis points. Classified and criticized balances both declined modestly. The allowance for credit losses ended the quarter at 1.13% of loans, with 227% coverage of nonaccrual loans.
Chief Credit Officer Derek Steward said the allowance is “very well reserved” and will depend on the economic outlook. He said if the economy improves, the company may have room to lower reserves, while deterioration would lead to an increase.
Zions’ commercial real estate portfolio totaled $14.1 billion, or about 22% of total loans. Richards said the portfolio remains granular and diversified by property type and geography, with conservative loan-to-value characteristics and favorable credit metrics.
The company’s common equity Tier 1 ratio rose to 11.8%, supported by earnings and the quarter’s exceptional gains, partially offset by $75 million in common share repurchases, dividends and growth in risk-weighted assets. Simmons said the current buyback pace is “certainly sustainable” and that he would expect some increase over the coming year if the economy and company forecasts continue to cooperate.
Asked about bank mergers and acquisitions, Simmons said Zions is not focused on deals but would consider opportunities that are strategically additive, likely in existing markets and with attractive deposit bases. He emphasized that the company’s primary focus remains organic growth.
About Zions Bancorporation, N.A. (NASDAQ:ZION)Zions Bancorporation, N.A. is a bank holding company headquartered in Salt Lake City, Utah, offering a full suite of banking and financial services to individuals, businesses and institutions. Through its primary subsidiary, Zions Bank, the company provides commercial banking, retail banking and wealth management solutions designed to serve the needs of small businesses, middle‐market firms and high‐net‐worth clients. Its service portfolio includes deposit accounts, cash‐management tools, lending products, mortgage origination, treasury services and investment advisory services.
The company's commercial banking segment delivers custom credit and treasury management services, including working capital lines of credit, equipment financing and international trade finance.
This instant news alert was generated by narrative science technology and financial data from MarketBeat in order to provide readers with the fastest reporting and unbiased coverage. Please send any questions or comments about this story to [email protected].
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Zions (ZION - Free Report) came out with quarterly earnings of $1.74 per share, beating the Zacks Consensus Estimate of $1.57 per share. This compares to earnings of $1.58 per share a year ago. These figures are adjusted for non-recurring items.
This quarterly report represents an earnings surprise of +10.83%. A quarter ago, it was expected that this financial holding company would post earnings of $1.43 per share when it actually produced earnings of $1.56, delivering a surprise of +9.09%.
Over the last four quarters, the company has surpassed consensus EPS estimates four times.
Zions, which belongs to the Zacks Banks - West industry, posted revenues of $879 million for the quarter ended June 2026, missing the Zacks Consensus Estimate by 0.02%. This compares to year-ago revenues of $851 million. The company has topped consensus revenue estimates two times over the last four quarters.
The sustainability of the stock's immediate price movement based on the recently-released numbers and future earnings expectations will mostly depend on management's commentary on the earnings call.
Zions shares have added about 23.5% since the beginning of the year versus the S&P 500's gain of 8.9%.
What's Next for Zions?While Zions has outperformed the market so far this year, the question that comes to investors' minds is: what's next for the stock?
There are no easy answers to this key question, but one reliable measure that can help investors address this is the company's earnings outlook. Not only does this include current consensus earnings expectations for the coming quarter(s), but also how these expectations have changed lately.
Empirical research shows a strong correlation between near-term stock movements and trends in earnings estimate revisions. Investors can track such revisions by themselves or rely on a tried-and-tested rating tool like the Zacks Rank, which has an impressive track record of harnessing the power of earnings estimate revisions.
Ahead of this earnings release, the estimate revisions trend for Zions was favorable. While the magnitude and direction of estimate revisions could change following the company's just-released earnings report, the current status translates into a Zacks Rank #2 (Buy) for the stock. So, the shares are expected to outperform the market in the near future. You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
It will be interesting to see how estimates for the coming quarters and the current fiscal year change in the days ahead. The current consensus EPS estimate is $1.65 on $900.3 million in revenues for the coming quarter and $6.49 on $3.55 billion in revenues for the current fiscal year.
Investors should be mindful of the fact that the outlook for the industry can have a material impact on the performance of the stock as well. In terms of the Zacks Industry Rank, Banks - West is currently in the top 18% of the 250 plus Zacks industries. Our research shows that the top 50% of the Zacks-ranked industries outperform the bottom 50% by a factor of more than 2 to 1.
One other stock from the same industry, Northrim BanCorp (NRIM - Free Report) , is yet to report results for the quarter ended June 2026.
This holding company for Northrim Bank is expected to post quarterly earnings of $0.62 per share in its upcoming report, which represents a year-over-year change of +19.2%. The consensus EPS estimate for the quarter has remained unchanged over the last 30 days.
Northrim BanCorp's revenues are expected to be $53.1 million, up 5.7% from the year-ago quarter.
, /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) ("Zions" or "the Bank") today reported net earnings applicable to common shareholders of $452 million, or $3.05 per diluted common share, for the second quarter of 2026. This compares with net earnings of $243 million, or $1.63 per diluted common share, in the second quarter of 2025, and $232 million, or $1.56 per diluted common share, in the first quarter of 2026.
Harris H. Simmons, Chairman and CEO of Zions Bancorporation, commented, "We're very pleased with the quarterly results, as earnings per share, excluding net equity investment gains, increased 10% to $1.74, compared to $1.58 in the same period a year ago. Net equity investment gains of $215 million on Visa Class B-1 shares and $37 million on SBIC investments added $1.12 and $0.19 per share, respectively, compared to net equity investment gains of $9 million, or $0.05 per share a year ago."
Mr. Simmons continued, "We're particularly pleased with the organic growth in customer-related noninterest income, which increased 11% over last year's period, with particularly strong growth from capital markets activities, and solid growth in a variety of other categories. While loan growth compared to last year's quarter was modest at 3%, annualized linked-quarter growth was strong at 8%. Deposits grew 4% from last year and were seasonally lower compared to the first quarter."
Mr. Simmons concluded, "We're also encouraged by strong growth in tangible book value per share, which increased 22% to $44.74 from $36.81, while our Common Equity Tier 1 capital ratio further strengthened to 11.8% from 11.0% a year ago. At the same time, we're proud of our ongoing solid credit results, with annualized net charge-offs of 0.06%."
For the complete second quarter 2026 earnings release, including detailed financial schedules, please visit www.zionsbancorporation.com.
Supplemental Presentation and Conference Call
Zions has posted a supplemental presentation to its website in advance of its discussion of second quarter financial results, scheduled for 5:30 p.m. ET on July 20, 2026. Media representatives, analysts, investors, and the general public are invited to participate by calling (877) 709-8150 (domestic and international) and entering the meeting number 13761560, or by joining the on-demand webcast. A link to the webcast will be available on the Company's website at www.zionsbancorporation.com. Following the event, the webcast will be archived and accessible for 30 days.
About Zions Bancorporation, N.A.
Zions Bancorporation, N.A. is one of the nation's premier financial services companies with annual net revenue of $3.4 billion in 2025, and total assets of approximately $89 billion at December 31, 2025. The Bank operates principally through seven separately managed, geographically defined bank divisions, each operating under its own local brand and management, and serving customers primarily in 11 Western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming.
Zions is a consistent recipient of national and state-level customer survey awards recognizing excellence in small- and middle-market banking. It is also a leader in public finance advisory services and Small Business Administration lending. Zions is included in both the S&P MidCap 400 and NASDAQ Financial 100 indices. Additional investor information, along with links to local banking brands, is available at www.zionsbancorporation.com.
Forward-Looking Information
The earnings release contains "forward-looking statements" as defined under the Private Securities Litigation Reform Act of 1995. These statements reflect management's current expectations and assumptions regarding future events and outcomes. However, they are inherently subject to known and unknown risks, uncertainties, and other factors that could cause actual results, performances, achievements, industry developments, or regulatory outcomes to differ materially from those expressed or implied. Forward-looking statements may include, among others:
Statements concerning the beliefs, plans, objectives, goals, targets, commitments, designs, guidelines, expectations, anticipations, and future financial condition, operating results, and performance of Zions Bancorporation, National Association, and its subsidiaries (collectively "Zions Bancorporation, N.A.," "the Bank," "we," "our," "us"); and Statements preceded or followed by, or that include, terminology such as "may," "might," "can," "continue," "could," "should," "would," "believe," "anticipate," "estimate," "forecast," "expect," "intend," "target," "commit," "design," "plan," "project," "will," or similar words and expressions, including their negative forms. Forward-looking statements are not guarantees and should not be relied upon as representing management's views as of any subsequent date. Actual results and outcomes may differ materially from those expressed or implied. Factors that could cause such differences include, but are not limited to:
The quality and composition of our loan and investment securities portfolios and the quality and composition of our deposits; Changes in general industry, political, and economic conditions, including increases in the national debt, elevated or persistent inflation, economic slowdowns or recessions, and other macroeconomic challenges; changes in interest rates or reference rates, which could negatively impact our revenues and expenses, the valuation and performance of our assets and liabilities, and the availability and cost of capital and liquidity; Political developments, including government shutdowns and other significant disruptions and changes in the funding, size, scope, and effectiveness of the government and its agencies and services; The effects of newly enacted and proposed regulations affecting us and the banking industry, as well as changes and uncertainties in the interpretation, enforcement, and applicability of laws and fiscal, monetary, regulatory, trade, and tax policies; Actions taken by governments, agencies, central banks, and similar organizations, including those that result in decreases in revenue, increases in regulatory bank fees, insurance assessments, and capital standards; and other regulatory requirements; Evolving trade policies and disputes, such as proposed and implemented tariffs and resulting market volatility and uncertainty, including the effects on supply chains, expenses, and revenues for both us and our customers; Judicial, regulatory, and administrative inquiries, investigations, examinations or proceedings and the outcomes thereof that create uncertainty for, or are adverse to, us or the banking industry; Changes in our credit ratings; The growing presence of credit unions, financial technology companies ("fintechs"), and other emerging competitors within the financial services industry, including in the markets in which we operate; Our ability to innovate and address competitive pressures and other factors that may affect aspects of our business, such as pricing, the relevance of and demand for our products and services, and our ability to recruit and retain talent; The potential for both positive and disruptive impacts of emerging technologies, including stablecoins and other digital currencies, tokenized deposits, blockchain, artificial intelligence ("AI"), quantum computing, and related innovations affecting both us and the banking industry; Our ability to complete projects and initiatives and execute our strategic plans, manage our risks, control compensation and other expenses, and achieve our business objectives; Our ability to develop and maintain technology and information security systems, along with effective controls designed to guard against fraud, cybersecurity, and privacy risks and related incidents, particularly given the accelerating pace at which threat actors are developing and deploying increasingly sophisticated and targeted tactics against the financial services industry; The occurrence of fraud, theft, or other forms of misconduct perpetrated by external parties, including customers and business partners, or by our own employees; Our ability to provide adequate oversight of our suppliers to help us prevent or mitigate effects upon us and our customers of inadequate performance, systems failures, or cyber and other incidents by, or affecting, third parties upon whom we rely for the delivery of various products and services; The effects of wars, geopolitical conflicts, and other local, national, or international disasters, crises, or conflicts that may occur in the future; Natural disasters, pandemics, wildfires, catastrophic events, and other emergencies and incidents, and their impact on our operations, our customers' business, and the communities we serve, including the increasing difficulty and expense of obtaining property, auto, business, and other insurance products; Diverging and evolving policy, legal, regulatory, and political developments—combined with differing stakeholder perspectives related to governance, environmental, and social matters—may subject us to potentially conflicting requirements and expectations; Securities and capital markets behavior, including volatility and changes in market liquidity and our ability to raise capital; The possibility that our recorded goodwill could become impaired, which may have an adverse impact on our earnings and shareholders' equity; The impact of bank closures or adverse developments at other banks on general investor sentiment regarding the stability and liquidity of banks; Adverse news and other expressions of negative public opinion—whether directed at us, other financial institutions, the banking industry, or the broader market—that may adversely affect our reputation and the industry more broadly; and Other assumptions, risks, or uncertainties described in this earnings release, and in our filings with the SEC. We caution against placing undue reliance on forward-looking statements, as they reflect our views only as of the date they are issued. Except as required by law, we expressly disclaim any obligation to update any factors or publicly announce revisions to forward-looking statements to reflect future events or developments.
In its upcoming report, Zions (ZION - Free Report) is predicted by Wall Street analysts to post quarterly earnings of $1.57 per share, reflecting a decline of 0.6% compared to the same period last year. Revenues are forecasted to be $879.16 million, representing a year-over-year increase of 3.3%.
Over the last 30 days, there has been an upward revision of 0.8% in the consensus EPS estimate for the quarter, leading to its current level. This signifies the covering analysts' collective reconsideration of their initial forecasts over the course of this timeframe.
Prior to a company's earnings announcement, it is crucial to consider revisions to earnings estimates. This serves as a significant indicator for predicting potential investor actions regarding the stock. Empirical research has consistently demonstrated a robust correlation between trends in earnings estimate revision and the short-term price performance of a stock.
While it's common for investors to rely on consensus earnings and revenue estimates for assessing how the business may have performed during the quarter, exploring analysts' forecasts for key metrics can yield valuable insights.
Bearing this in mind, let's now explore the average estimates of specific Zions metrics that are commonly monitored and projected by Wall Street analysts.
Based on the collective assessment of analysts, 'Efficiency Ratio' should arrive at 62.7%. Compared to the present estimate, the company reported 62.2% in the same quarter last year.
It is projected by analysts that the 'Net interest margin' will reach 3.3%. Compared to the present estimate, the company reported 3.2% in the same quarter last year.
Analysts forecast 'Average balance - Total interest-earning assets' to reach $82.99 billion. Compared to the current estimate, the company reported $83.57 billion in the same quarter of the previous year.
Analysts predict that the 'Total nonaccrual Loan' will reach $306.75 million. Compared to the current estimate, the company reported $308.00 million in the same quarter of the previous year.
The consensus among analysts is that 'Total nonperforming assets' will reach $317.58 million. The estimate compares to the year-ago value of $313.00 million.
Analysts expect 'Tier 1 risk-based capital ratio' to come in at 11.8%. Compared to the current estimate, the company reported 11.1% in the same quarter of the previous year.
The consensus estimate for 'Total risk-based capital ratio' stands at 14.0%. The estimate is in contrast to the year-ago figure of 13.4%.
The average prediction of analysts places 'Tier 1 leverage ratio' at 9.3%. Compared to the current estimate, the company reported 8.5% in the same quarter of the previous year.
According to the collective judgment of analysts, 'Total Noninterest Income' should come in at $189.81 million. Compared to the current estimate, the company reported $190.00 million in the same quarter of the previous year.
The collective assessment of analysts points to an estimated 'Commercial account fees' of $49.14 million. The estimate compares to the year-ago value of $46.00 million.
Analysts' assessment points toward 'Other customer-related fees' reaching $15.03 million. The estimate is in contrast to the year-ago figure of $14.00 million.
The combined assessment of analysts suggests that 'Card fees' will likely reach $22.81 million. Compared to the present estimate, the company reported $24.00 million in the same quarter last year.
View all Key Company Metrics for Zions here>>>
Over the past month, shares of Zions have returned +5.5% versus the Zacks S&P 500 composite's +1.6% change. Currently, ZION carries a Zacks Rank #2 (Buy), suggesting that it may outperform. the overall market in the near future. You can see the complete list of today's Zacks Rank #1 (Strong Buy) stocks here >>>> .
Wall Street expects a year-over-year decline in earnings on higher revenues when Zions (ZION - Free Report) reports results for the quarter ended June 2026. While this widely-known consensus outlook is important in gauging the company's earnings picture, a powerful factor that could impact its near-term stock price is how the actual results compare to these estimates.
The stock might move higher if these key numbers top expectations in the upcoming earnings report, which is expected to be released on July 20. On the other hand, if they miss, the stock may move lower.
While management's discussion of business conditions on the earnings call will mostly determine the sustainability of the immediate price change and future earnings expectations, it's worth having a handicapping insight into the odds of a positive EPS surprise.
Zacks Consensus EstimateThis financial holding company is expected to post quarterly earnings of $1.57 per share in its upcoming report, which represents a year-over-year change of -0.6%.
Revenues are expected to be $879.16 million, up 3.3% from the year-ago quarter.
Estimate Revisions TrendThe consensus EPS estimate for the quarter has been revised 0.83% higher over the last 30 days to the current level. This is essentially a reflection of how the covering analysts have collectively reassessed their initial estimates over this period.
Investors should keep in mind that the direction of estimate revisions by each of the covering analysts may not always get reflected in the aggregate change.
Price, Consensus and EPS Surprise
Earnings WhisperEstimate revisions ahead of a company's earnings release offer clues to the business conditions for the period whose results are coming out. This insight is at the core of our proprietary surprise prediction model -- the Zacks Earnings ESP (Expected Surprise Prediction).
The Zacks Earnings ESP compares the Most Accurate Estimate to the Zacks Consensus Estimate for the quarter; the Most Accurate Estimate is a more recent version of the Zacks Consensus EPS estimate. The idea here is that analysts revising their estimates right before an earnings release have the latest information, which could potentially be more accurate than what they and others contributing to the consensus had predicted earlier.
Thus, a positive or negative Earnings ESP reading theoretically indicates the likely deviation of the actual earnings from the consensus estimate. However, the model's predictive power is significant for positive ESP readings only.
A positive Earnings ESP is a strong predictor of an earnings beat, particularly when combined with a Zacks Rank #1 (Strong Buy), 2 (Buy) or 3 (Hold). Our research shows that stocks with this combination produce a positive surprise nearly 70% of the time, and a solid Zacks Rank actually increases the predictive power of Earnings ESP.
Please note that a negative Earnings ESP reading is not indicative of an earnings miss. Our research shows that it is difficult to predict an earnings beat with any degree of confidence for stocks with negative Earnings ESP readings and/or Zacks Rank of 4 (Sell) or 5 (Strong Sell).
How Have the Numbers Shaped Up for Zions?For Zions, the Most Accurate Estimate is higher than the Zacks Consensus Estimate, suggesting that analysts have recently become bullish on the company's earnings prospects. This has resulted in an Earnings ESP of +0.53%.
On the other hand, the stock currently carries a Zacks Rank of #2.
So, this combination indicates that Zions will most likely beat the consensus EPS estimate.
Does Earnings Surprise History Hold Any Clue?While calculating estimates for a company's future earnings, analysts often consider to what extent it has been able to match past consensus estimates. So, it's worth taking a look at the surprise history for gauging its influence on the upcoming number.
For the last reported quarter, it was expected that Zions would post earnings of $1.43 per share when it actually produced earnings of $1.56, delivering a surprise of +9.09%.
Over the last four quarters, the company has beaten consensus EPS estimates four times.
Bottom LineAn earnings beat or miss may not be the sole basis for a stock moving higher or lower. Many stocks end up losing ground despite an earnings beat due to other factors that disappoint investors. Similarly, unforeseen catalysts help a number of stocks gain despite an earnings miss.
That said, betting on stocks that are expected to beat earnings expectations does increase the odds of success. This is why it's worth checking a company's Earnings ESP and Zacks Rank ahead of its quarterly release. Make sure to utilize our Earnings ESP Filter to uncover the best stocks to buy or sell before they've reported.
Zions appears a compelling earnings-beat candidate. However, investors should pay attention to other factors too for betting on this stock or staying away from it ahead of its earnings release.
Stay on top of upcoming earnings announcements with the Zacks Earnings Calendar.
Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.
Cash flow can come from bond interest, interest from other types of investments, and, of course, dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.
Headquartered in Salt Lake City, Zions (ZION - Free Report) is a Finance stock that has seen a price change of 17.25% so far this year. Currently paying a dividend of $0.45 per share, the company has a dividend yield of 2.62%. In comparison, the Banks - West industry's yield is 2.53%, while the S&P 500's yield is 1.38%.
Looking at dividend growth, the company's current annualized dividend of $1.80 is up 2.3% from last year. Over the last 5 years, Zions has increased its dividend 3 times on a year-over-year basis for an average annual increase of 5.20%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Zions's current payout ratio is 28%, meaning it paid out 28% of its trailing 12-month EPS as dividend.
Earnings growth looks solid for ZION for this fiscal year. The Zacks Consensus Estimate for 2026 is $6.49 per share, with earnings expected to increase 6.05% from the year ago period.
Investors like dividends for a variety of different reasons, from tax advantages and decreasing overall portfolio risk to considerably improving stock investing profits. It's important to keep in mind that not all companies provide a quarterly payout.
High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. Income investors must be conscious of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. That said, they can take comfort from the fact that ZION is not only an attractive dividend play, but also represents a compelling investment opportunity with a Zacks Rank of #2 (Buy).
Momentum investing is all about the idea of following a stock's recent trend, which can be in either direction. In the "long context," investors will essentially be "buying high, but hoping to sell even higher." And for investors following this methodology, taking advantage of trends in a stock's price is key; once a stock establishes a course, it is more than likely to continue moving in that direction. The goal is that once a stock heads down a fixed path, it will lead to timely and profitable trades.
Even though momentum is a popular stock characteristic, it can be tough to define. Debate surrounding which are the best and worst metrics to focus on is lengthy, but the Zacks Momentum Style Score, part of the Zacks Style Scores, helps address this issue for us.
Below, we take a look at Zions (ZION - Free Report) , which currently has a Momentum Style Score of A. We also discuss some of the main drivers of the Momentum Style Score, like price change and earnings estimate revisions.
It's also important to note that Style Scores work as a complement to the Zacks Rank, our stock rating system that has an impressive track record of outperformance. Zions currently has a Zacks Rank of #2 (Buy). Our research shows that stocks rated Zacks Rank #1 (Strong Buy) and #2 (Buy) and Style Scores of "A or B" outperform the market over the following one-month period.
You can see the current list of Zacks #1 Rank Stocks here >>>
Set to Beat the Market?Let's discuss some of the components of the Momentum Style Score for ZION that show why this financial holding company shows promise as a solid momentum pick.
A good momentum benchmark for a stock is to look at its short-term price activity, as this can reflect both current interest and if buyers or sellers currently have the upper hand. It's also helpful to compare a security to its industry; this can show investors the best companies in a particular area.
For ZION, shares are up 0.3% over the past week while the Zacks Banks - West industry is up 0.53% over the same time period. Shares are looking quite well from a longer time frame too, as the monthly price change of 9.04% compares favorably with the industry's 4.58% performance as well.
While any stock can see a spike in price, it takes a real winner to consistently outperform the market. Shares of Zions have increased 14.59% over the past quarter, and have gained 27.25% in the last year. In comparison, the S&P 500 has only moved 13.69% and 21.71%, respectively.
Investors should also pay attention to ZION's average 20-day trading volume. Volume is a useful item in many ways, and the 20-day average establishes a good price-to-volume baseline; a rising stock with above average volume is generally a bullish sign, whereas a declining stock on above average volume is typically bearish. ZION is currently averaging 1,639,344 shares for the last 20 days.
Earnings OutlookThe Zacks Momentum Style Score encompasses many things, including estimate revisions and a stock's price movement. Investors should note that earnings estimates are also significant to the Zacks Rank, and a nice path here can be promising. We have recently been noticing this with ZION.
Over the past two months, 8 earnings estimates moved higher compared to none lower for the full year. These revisions helped boost ZION's consensus estimate, increasing from $6.41 to $6.49 in the past 60 days. Looking at the next fiscal year, 7 estimates have moved upwards while there have been no downward revisions in the same time period.
Bottom LineTaking into account all of these elements, it should come as no surprise that ZION is a #2 (Buy) stock with a Momentum Score of A. If you've been searching for a fresh pick that's set to rise in the near-term, make sure to keep Zions on your short list.
, /PRNewswire/ -- Vectra Bank Colorado is pleased to welcome Ty Aslin to the Executive team as Director of Commercial Banking. In this role, Ty will lead the organization focused on companies with revenues greater than $10MM. He will be responsible for market strategy, driving sales performance, senior credit oversight, and further strengthening Vectra Bank's relationships across the Colorado business community.
Ty brings more than 25 years of banking leadership experience at several of the nation's largest banks. He has a strong track record of building high-performing teams and driving sustained growth spanning commercial, retail, and private banking. Throughout his career, Ty has consistently been recognized as a top performer, earning multiple President's Club and Pinnacle awards for revenue growth, client acquisition, and portfolio performance.
Ty is also deeply engaged in the community, having previously served on the Colorado Bankers Association Board and the Metro Denver Economic Development Board of Governors. He supports financial literacy and business mentorship initiatives, and is currently pursuing new board positions as a representative of Vectra Bank.
About Vectra
With assets of $4 billion, Vectra Bank Colorado is a proactive, customer-focused organization dedicated to real relationship banking. Part of the Zions Bancorporation family of banks, Vectra serves Colorado's small, middle-market and corporate business clients with 34 locations throughout Colorado, and one in Farmington, New Mexico. Zions Bancorporation, N.A. is included in the S&P 400 Mid-Cap and NASDAQ Financial 100 indices (NASDAQ: ZION). The bank's website address is www.vectrabank.com.
For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.
The popular research service can help you become a smarter, more self-assured investor, giving you access to daily updates of the Zacks Rank and Zacks Industry Rank, the Zacks #1 Rank List, Equity Research reports, and Premium stock screens.
It also includes access to the Zacks Style Scores.
What are the Zacks Style Scores? The Zacks Style Scores is a unique set of guidelines that rates stocks based on three popular investing types, and were developed as complementary indicators for the Zacks Rank. This combination helps investors choose securities with the highest chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +24% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
As mentioned above, the Scores are designed to work with the Zacks Rank, so any change to a company's earnings outlook should be a deciding factor when picking which stocks to buy.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Zions (ZION - Free Report) Zions Bancorporation, National Association, founded in 1873 and headquartered in Salt Lake City, UT, is a diversified financial services firm with a network of more than 400 branches. The company operates across 11 western states: Utah, California, Idaho, Arizona, Nevada, Colorado, Texas, New Mexico, Washington, Oregon and Wyoming.
ZION is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Momentum investors should take note of this Finance stock. ZION has a Momentum Style Score of A, and shares are up 11.4% over the past four weeks.
Six analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $0.06 to $6.44 per share. ZION boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, ZION should be on investors' short list.
It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.
Featuring daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, the research service can help you become a smarter, more self-assured investor.
It also includes access to the Zacks Style Scores.
What are the Zacks Style Scores? The Zacks Style Scores, developed alongside the Zacks Rank, are complementary indicators that rate stocks based on three widely-followed investing methodologies; they also help investors pick stocks with the best chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum investors, who live by the saying "the trend is your friend," are most interested in taking advantage of upward or downward trends in a stock's price or earnings outlook. Utilizing one-week price change and the monthly percentage change in earnings estimates, among other factors, the Momentum Style Score can help determine favorable times to buy high-momentum stocks.
VGM ScoreIf you like to use all three kinds of investing, then the VGM Score is for you. It's a combination of all Style Scores, and is an important indicator to use with the Zacks Rank. The VGM Score rates each stock on their shared weighted styles, narrowing down the companies with the most attractive value, best growth forecast, and most promising momentum.
How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +24% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
This totals more than 800 top-rated stocks, and it can be overwhelming to try and pick the best stocks for you and your portfolio.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Zions (ZION - Free Report) Zions Bancorporation, National Association, founded in 1873 and headquartered in Salt Lake City, UT, is a diversified financial services firm with a network of more than 400 branches. The company operates across 11 western states: Utah, California, Idaho, Arizona, Nevada, Colorado, Texas, New Mexico, Washington, Oregon and Wyoming.
ZION is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 10.61; value investors should take notice.
Five analysts revised their earnings estimate upwards in the last 60 days for fiscal 2026. The Zacks Consensus Estimate has increased $0.06 to $6.44 per share. ZION boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, ZION should be on investors' short list.
Whether it's through stocks, bonds, ETFs, or other types of securities, all investors love seeing their portfolios score big returns. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.
Cash flow can come from bond interest, interest from other types of investments, and, of course, dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures a dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.
Zions (ZION - Free Report) is headquartered in Salt Lake City, and is in the Finance sector. The stock has seen a price change of 14.66% since the start of the year. The financial holding company is paying out a dividend of $0.45 per share at the moment, with a dividend yield of 2.68% compared to the Banks - West industry's yield of 2.57% and the S&P 500's yield of 1.44%.
Looking at dividend growth, the company's current annualized dividend of $1.80 is up 2.3% from last year. Over the last 5 years, Zions has increased its dividend 3 times on a year-over-year basis for an average annual increase of 5.20%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Zions's current payout ratio is 28%, meaning it paid out 28% of its trailing 12-month EPS as dividend.
Looking at this fiscal year, ZION expects solid earnings growth. The Zacks Consensus Estimate for 2026 is $6.44 per share, with earnings expected to increase 5.23% from the year ago period.
From greatly improving stock investing profits and reducing overall portfolio risk to providing tax advantages, investors like dividends for a variety of different reasons. It's important to keep in mind that not all companies provide a quarterly payout.
High-growth firms or tech start-ups, for example, rarely provide their shareholders a dividend, while larger, more established companies that have more secure profits are often seen as the best dividend options. Income investors have to be mindful of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. With that in mind, ZION is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of #3 (Hold).
Zions Bancorporation delivered solid Q1 results, reinforcing its decentralized community banking model and effective balance sheet management. The deposit mix improved as non-interest-bearing balances rose $2 billion, enabling ZION to reduce high-cost funding and support net interest margin stability. Credit quality remains robust, with low NDFI exposure, strong reserves, and manageable risks; October's credit loss appears isolated, not systemic.
Zions Bancorporation (NASDAQ:ZION) reported mixed results for the first quarter on Monday.
The company posted quarterly earnings of $1.56 per share which beat the analyst consensus estimate of $1.42 per share. The company reported quarterly sales of $849.000 million which missed the analyst consensus estimate of $854.612 million.
Zions Bancorp shares closed at $63.05 on Monday.
These analysts made changes to their price targets on Zions Bancorp following earnings announcement.
Baird analyst David George maintained Zions Bancorp with an Outperform rating and raised the price target from $65 to $68. Truist Securities analyst Jennifer Demba maintained the stock with a Hold and raised the price target from $64 to $66. Considering buying ZION stock? Here’s what analysts think:
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Key Takeaways ZION's Q1 EPS of $1.56 beats estimates, rising 38% year over year on higher NII and fee income.NII rose 6% and NIM expanded to 3.27%, driven by lower funding costs and asset mix shift.Credit quality improved with lower charge-offs and a provision benefit, while expenses climbed 4.7%. Zions Bancorporation (ZION - Free Report) reported first-quarter 2026 earnings of $1.56 per share, which beat the Zacks Consensus Estimate of $1.43. Moreover, the bottom line surged 38% from the year-ago quarter.
Results were primarily aided by higher net interest income (NII) and growth in fee-based income. Higher loan and deposit balances, along with a provision benefit, provided additional support. However, a rise in non-interest expenses was a headwind.
Net income attributable to its common shareholders (GAAP) was $232 million, up 37.3% year over year. We had projected the metric to be $205.6 million.
Zions’ Revenues & Expenses RiseNet revenues (taxable-equivalent) were approximately $860 million, up 6.7% year over year. The top line missed the Zacks Consensus Estimate of $862 million.
NII was $662 million, up 6% from the prior-year quarter. The increase was mainly driven by lower funding costs and a favorable mix of earning assets. Net interest margin (NIM) expanded 17 basis points (bps) year over year to 3.27%. Our estimates for NII and NIM were $672.8 million and 3.32%, respectively.
Non-interest income was $187 million, up 9% year over year. The rise was driven by an increase in almost all the components except card fees. We had projected non-interest income to be $170.7 million.
Adjusted non-interest expenses were $558 million, up 4.7% year over year. Our estimate for the metric was $537.9 million.
The adjusted efficiency ratio improved to 65.0% from 66.6% in the prior-year quarter. A decline in the efficiency ratio indicates an increase in profitability.
Zion’s Loans & Deposits IncreaseAs of March 31, 2026, net loans and leases held for investment were $60.6 billion, up marginally from the prior quarter. Total deposits were $76.9 billion, up 1.7% from the prior quarter. Our estimates for net loans and leases held for investment and total deposits were $61.1 billion and $76.3 billion, respectively.
ZION’s Credit Quality ImprovesThe ratio of non-performing assets to total loans and leases and other real estate owned declined to 0.48% from 0.51% in the year-ago quarter.
Net loan and lease charge-offs were $4 million, down significantly from $16 million in the prior-year quarter. In the reported quarter, the company recorded a $7 million benefit from provision for credit losses against a $18 million provision expense in the prior-year quarter.
Strong Capital & Profitability Ratios for ZionsAs of March 31, 2026, the common equity tier 1 (CET1) capital ratio was 11.5%, up from 10.8% in the prior-year quarter. The Tier 1 risk-based capital ratio was 11.6% compared with 10.9% a year ago, while the Tier 1 leverage ratio improved to 9.1% from 8.4% reported at the end of the year-ago quarter.
Return on average assets was 1.05%, up from 0.77% in the year-ago quarter. Return on average tangible common equity was 15.5%, up from 13.4% in the prior-year quarter.
ZION’s Share Repurchase UpdateDuring the quarter, the company repurchased 1.3 million shares for $77 million.
Our Take on ZIONZions’ modest loan growth, improving NII, solid fee income growth and strengthening deposit base are encouraging. However, elevated expenses and significant exposure to commercial loans remain key concerns.
Currently, Zions carries a Zacks Rank #3 (Hold). You can see the complete list of today's Zacks #1 Rank (Strong Buy) stocks here.
Performance of Other BanksKeyCorp’s (KEY - Free Report) first-quarter 2026 earnings from continuing operations of 44 cents per share outpaced the Zacks Consensus Estimate of 41 cents. The bottom line reflected a 33.3% rise from the prior-year quarter.
KEY’s results primarily benefited from higher NII and non-interest income. Higher average loan balances, along with lower provisions, were other tailwinds. However, higher expenses hurt the results to some extent.
M&T Bank Corporation (MTB - Free Report) reported first-quarter 2026 net operating earnings per share of $4.18, which beat the Zacks Consensus Estimate of $4.02. The bottom line compared favorably with earnings of $3.38 per share in the year-ago quarter.
Results were aided by higher NII and a rise in non-interest income on a year-over-year basis, along with modest loan growth. However, a decline in deposits, higher provisions for credit losses, and elevated expenses acted as headwinds for MTB.
Zions Bancorporation (ZION) delivered a strong Q1 2026, with 37% year-over-year earnings growth driven by robust loan portfolio expansion and higher net interest income. ZION's growth was fueled by commercial and industrial lending, commercial real estate, and secured loans (HELOCs), alongside a 10% increase in fee-related income. ZION now trades at a 1.31X price-to-book, slightly below regional banking peers USB and PNC.
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What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.
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Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
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How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
Investors can count on the Zacks Rank's success, with #1 (Strong Buy) stocks producing an unmatched +23.93% average annual return since 1988, more than double the S&P 500's performance. But the model rates a large number of stocks, and there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
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Stock to Watch: Zions (ZION - Free Report) Zions Bancorporation, National Association, founded in 1873 and headquartered in Salt Lake City, UT, is a diversified financial services firm with a network of over 400 branches. The company operates across 11 western states — Utah, California, Idaho, Arizona, Nevada, Colorado, Texas, New Mexico, Washington, Oregon and Wyoming.
ZION is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 9.81; value investors should take notice.
Eight analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.11 to $6.32 per share. ZION also boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, ZION should be on investors' short list.
It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.
The research service features daily updates of the Zacks Rank and Zacks Industry Rank, full access to the Zacks #1 Rank List, Equity Research reports, and Premium stock screens, all of which will help you become a smarter, more confident investor.
It also includes access to the Zacks Style Scores.
What are the Zacks Style Scores? The Zacks Style Scores, developed alongside the Zacks Rank, are complementary indicators that rate stocks based on three widely-followed investing methodologies; they also help investors pick stocks with the best chances of beating the market over the next 30 days.
Based on their value, growth, and momentum characteristics, each stock is assigned a rating of A, B, C, D, or F. The better the score, the better chance the stock will outperform; an A is better than a B, a B is better than a C, and so on.
The Style Scores are broken down into four categories:
Value ScoreValue investors love finding good stocks at good prices, especially before the broader market catches on to a stock's true value. Utilizing ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and many other multiples, the Value Style Score identifies the most attractive and most discounted stocks.
Growth ScoreGrowth investors, on the other hand, are more concerned with a company's financial strength and health, and its future outlook. The Growth Style Score examines things like projected and historic earnings, sales, and cash flow to find stocks that will experience sustainable growth over time.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.
How Style Scores Work with the Zacks Rank The Zacks Rank is a proprietary stock-rating model that harnesses the power of earnings estimate revisions, or changes to a company's earnings expectations, to help investors build a successful portfolio.
#1 (Strong Buy) stocks have produced an unmatched +23.93% average annual return since 1988, which is more than double the S&P 500's performance over the same time frame. However, the Zacks Rank examines a ton of stocks, and there can be more than 200 companies with a Strong Buy rank, and another 600 with a #2 (Buy) rank, on any given day.
With more than 800 top-rated stocks to choose from, it can certainly feel overwhelming to pick the ones that are right for you and your investing journey.
That's where the Style Scores come in.
You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.
Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.
Here's an example: a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one with Style Scores of A and B, still has a downward-trending earnings outlook, and a bigger chance its share price will decrease too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Zions (ZION - Free Report) Zions Bancorporation, National Association, founded in 1873 and headquartered in Salt Lake City, UT, is a diversified financial services firm with a network of over 400 branches. The company operates across 11 western states — Utah, California, Idaho, Arizona, Nevada, Colorado, Texas, New Mexico, Washington, Oregon and Wyoming.
ZION is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
Momentum investors should take note of this Finance stock. ZION has a Momentum Style Score of A, and shares are up 8.3% over the past four weeks.
For fiscal 2026, 10 analysts revised their earnings estimate upwards in the last 60 days, and the Zacks Consensus Estimate has increased $0.16 to $6.37 per share. ZION boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Momentum and VGM Style Scores, ZION should be on investors' short list.
Cwm LLC trimmed its position in shares of Zions Bancorporation, N.A. (NASDAQ:ZION – Free Report) by 21.7% during the fourth quarter, according to its most recent Form 13F filing with the SEC. The firm owned 36,629 shares of the bank’s stock after selling 10,147 shares during the period. Cwm LLC’s holdings in Zions Bancorporation, N.A. were worth $2,144,000 at the end of the most recent reporting period.
A number of other large investors have also recently made changes to their positions in ZION. Royal Bank of Canada increased its stake in shares of Zions Bancorporation, N.A. by 76.3% during the first quarter. Royal Bank of Canada now owns 137,434 shares of the bank’s stock worth $6,853,000 after buying an additional 59,483 shares during the period. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. increased its stake in shares of Zions Bancorporation, N.A. by 18.5% during the first quarter. MIRAE ASSET GLOBAL ETFS HOLDINGS Ltd. now owns 40,960 shares of the bank’s stock worth $2,042,000 after buying an additional 6,393 shares during the period. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC increased its stake in shares of Zions Bancorporation, N.A. by 0.5% during the first quarter. UBS AM A Distinct Business Unit of UBS Asset Management Americas LLC now owns 504,860 shares of the bank’s stock worth $25,172,000 after buying an additional 2,659 shares during the period. Focus Partners Wealth increased its stake in shares of Zions Bancorporation, N.A. by 91.7% during the first quarter. Focus Partners Wealth now owns 21,502 shares of the bank’s stock worth $1,072,000 after buying an additional 10,283 shares during the period. Finally, EverSource Wealth Advisors LLC increased its stake in shares of Zions Bancorporation, N.A. by 52.5% during the second quarter. EverSource Wealth Advisors LLC now owns 1,816 shares of the bank’s stock worth $94,000 after buying an additional 625 shares during the period. 76.84% of the stock is currently owned by hedge funds and other institutional investors.
Zions Bancorporation, N.A. News Roundup Here are the key news stories impacting Zions Bancorporation, N.A. this week:
Positive Sentiment: Zions’ earnings call was reported to signal durable momentum after the quarter — investors may be reacting to management’s tone on loan growth and margins. Zions Bancorporation Earnings Call Signals Durable Momentum Positive Sentiment: Barclays published a note saying ZION’s stock is expected to rise; analyst endorsement adds to bullish analyst momentum. Zions Bancorporation, N.A. (NASDAQ:ZION) Stock Price Expected to Rise, Barclays Analyst Says Positive Sentiment: DA Davidson reiterated/issued a positive outlook, further supporting buy-side interest. Zions Bancorporation, N.A. (NASDAQ:ZION) Stock Price Expected to Rise, DA Davidson Analyst Says Positive Sentiment: Citigroup forecasted strong price appreciation for ZION, adding another large-bank bull view to the story. Citigroup Forecasts Strong Price Appreciation for Zions Bancorporation, N.A. (NASDAQ:ZION) Stock Positive Sentiment: TD Cowen raised its price target to $65, reflecting improved analyst expectations post-quarter. TD Cowen Boosts Zions Bancorporation, N.A. (NASDAQ:ZION) Price Target to $65.00 Positive Sentiment: Robert W. Baird issued a positive note expecting the shares to rise, contributing to the cluster of upgrade activity. Zions Bancorporation, N.A. (NASDAQ:ZION) Stock Price Expected to Rise, Robert W. Baird Analyst Says Positive Sentiment: JPMorgan published a bullish forecast for ZION’s price appreciation, another large-bank endorsement that can support multiple-target upgrades. JPMorgan Chase & Co. Forecasts Strong Price Appreciation for Zions Bancorporation, N.A. (NASDAQ:ZION) Stock Positive Sentiment: Royal Bank of Canada raised its price target to $68, the highest target in this wave of upgrades, reinforcing upside expectations. Royal Bank Of Canada Raises Zions Bancorporation, N.A. (NASDAQ:ZION) Price Target to $68.00 Positive Sentiment: Zacks highlighted ZION as a top momentum stock for the long term, adding third-party momentum research to the narrative. Why Zions (ZION) is a Top Momentum Stock for the Long-Term Neutral Sentiment: The short-interest data posted for April is internally inconsistent (shows a large increase but records zero shares), so there’s no clear signal that short activity is driving today’s move. Negative Sentiment: Despite the analyst tailwinds and an earnings beat on EPS, the stock is down today on lower-than-average intraday volume — suggestive of profit-taking or rotation rather than a fundamentals-driven selloff. Insider Buying and Selling at Zions Bancorporation, N.A. In other Zions Bancorporation, N.A. news, CEO Harris H. Simmons bought 4,500 shares of the stock in a transaction dated Tuesday, February 24th. The shares were acquired at an average cost of $59.03 per share, for a total transaction of $265,635.00. Following the completion of the transaction, the chief executive officer owned 1,317,493 shares in the company, valued at approximately $77,771,611.79. The trade was a 0.34% increase in their position. The transaction was disclosed in a legal filing with the Securities & Exchange Commission, which is accessible through this link. Also, EVP Steven Dan Stephens sold 15,476 shares of the firm’s stock in a transaction that occurred on Friday, February 6th. The stock was sold at an average price of $65.90, for a total transaction of $1,019,868.40. Following the transaction, the executive vice president owned 41,127 shares in the company, valued at approximately $2,710,269.30. This trade represents a 27.34% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. In the last quarter, insiders sold 55,581 shares of company stock valued at $3,498,774. 1.43% of the stock is owned by company insiders.
Zions Bancorporation, N.A. Stock Performance Shares of Zions Bancorporation, N.A. stock opened at $61.34 on Friday. The company has a quick ratio of 0.85, a current ratio of 0.83 and a debt-to-equity ratio of 0.27. The firm has a market capitalization of $9.02 billion, a P/E ratio of 9.54, a P/E/G ratio of 2.16 and a beta of 0.81. The firm’s 50 day moving average is $58.56 and its two-hundred day moving average is $57.24. Zions Bancorporation, N.A. has a 52 week low of $43.64 and a 52 week high of $66.18.
Zions Bancorporation, N.A. (NASDAQ:ZION – Get Free Report) last announced its earnings results on Monday, April 20th. The bank reported $1.56 earnings per share (EPS) for the quarter, topping analysts’ consensus estimates of $1.43 by $0.13. The business had revenue of $849.00 million for the quarter, compared to analyst estimates of $853.73 million. Zions Bancorporation, N.A. had a net margin of 19.53% and a return on equity of 13.90%. During the same period last year, the firm posted $1.13 earnings per share. Research analysts forecast that Zions Bancorporation, N.A. will post 6.38 EPS for the current fiscal year.
Zions Bancorporation, N.A. Dividend Announcement The firm also recently announced a quarterly dividend, which was paid on Thursday, February 19th. Stockholders of record on Thursday, February 12th were given a dividend of $0.45 per share. The ex-dividend date was Thursday, February 12th. This represents a $1.80 dividend on an annualized basis and a dividend yield of 2.9%. Zions Bancorporation, N.A.’s dividend payout ratio (DPR) is 27.99%.
Analyst Upgrades and Downgrades A number of analysts recently weighed in on ZION shares. JPMorgan Chase & Co. upped their target price on shares of Zions Bancorporation, N.A. from $62.00 to $67.00 and gave the stock a “neutral” rating in a research note on Tuesday. Robert W. Baird upped their target price on shares of Zions Bancorporation, N.A. from $65.00 to $68.00 and gave the stock an “outperform” rating in a research note on Tuesday. Royal Bank Of Canada upped their target price on shares of Zions Bancorporation, N.A. from $64.00 to $68.00 and gave the stock a “sector perform” rating in a research note on Tuesday. Evercore increased their price target on shares of Zions Bancorporation, N.A. from $65.00 to $68.00 and gave the company an “in-line” rating in a research note on Thursday, February 5th. Finally, TD Cowen increased their price target on shares of Zions Bancorporation, N.A. from $64.00 to $65.00 and gave the company a “hold” rating in a research note on Tuesday. One investment analyst has rated the stock with a Strong Buy rating, six have assigned a Buy rating, thirteen have issued a Hold rating and one has assigned a Sell rating to the stock. According to data from MarketBeat.com, the company has a consensus rating of “Hold” and a consensus price target of $64.94.
Check Out Our Latest Stock Analysis on Zions Bancorporation, N.A.
Zions Bancorporation, N.A. Profile (Free Report)
Zions Bancorporation, N.A. is a bank holding company headquartered in Salt Lake City, Utah, offering a full suite of banking and financial services to individuals, businesses and institutions. Through its primary subsidiary, Zions Bank, the company provides commercial banking, retail banking and wealth management solutions designed to serve the needs of small businesses, middle‐market firms and high‐net‐worth clients. Its service portfolio includes deposit accounts, cash‐management tools, lending products, mortgage origination, treasury services and investment advisory services.
The company’s commercial banking segment delivers custom credit and treasury management services, including working capital lines of credit, equipment financing and international trade finance.
Further Reading Five stocks we like better than Zions Bancorporation, N.A.
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SALT LAKE CITY, April 29, 2026 /PRNewswire/ -- Zions Bancorporation today announced the appointment of Mike Selfridge as Executive Vice President and Head of Wealth Management, effective June 1, 2026. Most recently, Mr.
, /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) announced today that its board of directors ("board") has authorized share repurchases of up to $225 million of the company's common stock for the remainder of 2026, which would bring the full-year share repurchase target to $300 million. The timing and amounts of any such actions will depend on market conditions, regulatory requirements, and other factors or uncertainties and may be updated at the discretion of the board.
The board also declared a regular quarterly dividend of $0.45 per common share, payable May 21, 2026, to shareholders of record at the close of business on May 14, 2026.
Additionally, the board declared the regular quarterly cash dividend on the company's Series A perpetual preferred shares (NASDAQ: ZIONP; CUSIP: 98973A104). The cash dividends on the preferred shares are payable June 15, 2026, to shareholders of record on June 1, 2026.
Zions Bancorporation, N.A. is one of the nation's premier financial services companies with approximately $89 billion of total assets at December 31, 2025, and annual net revenue of $3.4 billion in 2025. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small- and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending. In addition, Zions is included in the S&P MidCap 400 and NASDAQ Financial 100 indices. Investor information and links to local banking brands can be accessed at www.zionsbancorporation.com.
All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But for income investors, generating consistent cash flow from each of your liquid investments is your primary focus.
While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is the distribution of a company's earnings paid out to shareholders; it's often viewed by its dividend yield, a metric that measures a dividend as a percent of the current stock price. Many academic studies show that dividends make up large portions of long-term returns, and in many cases, dividend contributions surpass one-third of total returns.
Based in Salt Lake City, Zions (ZION - Free Report) is in the Finance sector, and so far this year, shares have seen a price change of 8.06%. Currently paying a dividend of $0.45 per share, the company has a dividend yield of 2.85%. In comparison, the Banks - West industry's yield is 2.71%, while the S&P 500's yield is 1.39%.
Looking at dividend growth, the company's current annualized dividend of $1.80 is up 2.3% from last year. Over the last 5 years, Zions has increased its dividend 3 times on a year-over-year basis for an average annual increase of 5.20%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Zions's current payout ratio is 28%, meaning it paid out 28% of its trailing 12-month EPS as dividend.
ZION is expecting earnings to expand this fiscal year as well. The Zacks Consensus Estimate for 2026 is $6.38 per share, representing a year-over-year earnings growth rate of 4.25%.
From greatly improving stock investing profits and reducing overall portfolio risk to providing tax advantages, investors like dividends for a variety of different reasons. However, not all companies offer a quarterly payout.
Big, established firms that have more secure profits are often seen as the best dividend options, but it's fairly uncommon to see high-growth businesses or tech start-ups offer their stockholders a dividend. Income investors must be conscious of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. With that in mind, ZION is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of #3 (Hold).
New facility with California Bank & Trust strengthens capital structure and supports continued growth
, /PRNewswire/ -- Buyerlink, a leading online auction marketplace for performance-based marketing, today announced it has secured a $40 million senior secured credit facility with Zions Bancorporation, N.A., dba California Bank & Trust.
The new credit facility enhances Buyerlink's financial flexibility and strengthens its capital structure, supporting the company's continued growth.
"This financing provides additional balance sheet flexibility and supports our long-term growth strategy," said Payam Zamani, Founder and CEO of One Planet Group, Buyerlink's parent company. "We're pleased to partner with California Bank & Trust as we continue to invest in and strengthen our leadership in the AI-driven ad tech space."
Jaime Keane, SVP, Commercial Banking Group at CB&T commented, "We are impressed with Buyerlink's continued growth, both organically and via strategic acquisitions. We are proud to support the company with a financing solution that aligns with their growth trajectory and operational strength."
Over the past several years, Buyerlink has experienced significant growth to over $125M in revenue while generating industry leading EBITDA through a combination of organic expansion and strategic acquisitions. The company has built a strong presence in the automotive sector, generating more than one million buyer leads monthly, while also serving industries including real estate, home services, insurance, and legal.
Buyerlink is further strengthening its foundation as it accelerates its transformation into an AI-native leader in adtech.
About California Bank & Trust
Headquartered in San Diego, California Bank & Trust (CB&T) has been helping California families and businesses thrive for over 70 years. With local decision-making backed by regional strength, CB&T's knowledgeable bankers provide personalized solutions that go beyond what traditional banks offer. CB&T has earned consistent recognition, including being voted:
"Best Bank" by San Diego Union-Tribune readers for 15 consecutive years "Best Commercial Bank" for 12 years running "Best Bank" in The Orange County Register and Sacramento Bee readership polls CB&T is a division of Zions Bancorporation, N.A. (NASDAQ: ZION) and has been recognized for its excellence in Middle-Market and Small Business banking by Coalition Greenwich Best Bank Awards. CB&T is an Equal Housing Lender. Additional information may be found at calbanktrust.com.
About Buyerlink
Buyerlink is a leading online auction marketplace for performance-based marketing. Conducting millions of auctions monthly, Buyerlink's patented technology allows businesses to access hyper-targeted consumer demand at any scale. Increasingly AI-driven, the platform leverages machine learning to optimize performance and deliver more efficient outcomes for buyers and sellers.
Offering Enhanced Clicks™, qualified leads, inbound calls, transfers, call-verified leads, and pre-set appointments, Buyerlink enables businesses to meet customers where they are. The Buyerlink platform is category-agnostic and currently serves the automotive, home services, home warranty, insurance, legal, real estate, and solar sectors.
Buyerlink is fully owned by One Planet Group, a closely held private equity firm that owns a suite of online technology and media businesses. Spanning a variety of industries including ad tech, publishing, and media, One Planet's mission is to support strong business ideas while building an ethos that helps improve society and gives back to communities.
Buyerlink's global headquarters is located in Walnut Creek, California, with employees in over ten countries. For more information visit buyerink.com.
It doesn't matter your age or experience: taking full advantage of the stock market and investing with confidence are common goals for all investors. Luckily, Zacks Premium offers several different ways to do both.
The popular research service can help you become a smarter, more self-assured investor, giving you access to daily updates of the Zacks Rank and Zacks Industry Rank, the Zacks #1 Rank List, Equity Research reports, and Premium stock screens.
Zacks Premium also includes the Zacks Style Scores.
What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.
Each stock is given an alphabetic rating of A, B, C, D or F based on their value, growth, and momentum qualities. With this system, an A is better than a B, a B is better than a C, and so on, meaning the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFinding good stocks at good prices, and discovering which companies are trading under their true value, are what value investors like to focus on. So, the Value Style Score takes into account ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to highlight the most attractive and discounted stocks.
Growth ScoreGrowth investors are more concerned with a stock's future prospects, and the overall financial health and strength of a company. Thus, the Growth Style Score analyzes characteristics like projected and historic earnings, sales, and cash flow to find stocks that will see sustainable growth over time.
Momentum ScoreMomentum trading is all about taking advantage of upward or downward trends in a stock's price or earnings outlook, and these investors live by the saying "the trend is your friend." The Momentum Style Score can pinpoint good times to build a position in a stock, using factors like one-week price change and the monthly percentage change in earnings estimates.
VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.
How Style Scores Work with the Zacks Rank The Zacks Rank, which is a proprietary stock-rating model, employs earnings estimate revisions, or changes to a company's earnings expectations, to make building a winning portfolio easier.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.7% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
To maximize your returns, you want to buy stocks with the highest probability of success. This means picking stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you find yourself looking at stocks with a #3 (Hold) rank, make sure they have Scores of A or B as well to ensure as much upside potential as possible.
Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.
A stock with a #4 (Sell) or #5 (Strong Sell) rating, for instance, even one with Scores of A and B, will still have a declining earnings forecast, and a greater chance its share price will fall too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Zions (ZION - Free Report) Zions Bancorporation, National Association, founded in 1873 and headquartered in Salt Lake City, UT, is a diversified financial services firm with a network of more than 400 branches. The company operates across 11 western states: Utah, California, Idaho, Arizona, Nevada, Colorado, Texas, New Mexico, Washington, Oregon and Wyoming.
ZION is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 9.45; value investors should take notice.
11 analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.23 to $6.44 per share. ZION also boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, ZION should be on investors' short list.
A month has gone by since the last earnings report for Zions (ZION - Free Report) . Shares have lost about 2.9% in that time frame, underperforming the S&P 500.
Will the recent negative trend continue leading up to its next earnings release, or is Zions due for a breakout? Before we dive into how investors and analysts have reacted as of late, let's take a quick look at the most recent earnings report in order to get a better handle on the important catalysts.
Zions Q1 Earnings Beat on Higher NII & Fee Income, Provision BenefitZions reported first-quarter 2026 earnings of $1.56 per share, which beat the Zacks Consensus Estimate of $1.43. Moreover, the bottom line surged 38% from the year-ago quarter.
Results were primarily aided by higher NII and growth in fee-based income. Higher loan and deposit balances, along with a provision benefit, provided additional support. However, a rise in non-interest expenses was a headwind.
Net income attributable to its common shareholders (GAAP) was $232 million, up 37.3% year over year. We had projected the metric to be $205.6 million.
Revenues & Expenses RiseNet revenues (taxable-equivalent) were approximately $860 million, up 6.7% year over year. The top line missed the Zacks Consensus Estimate of $862 million.
NII was $662 million, up 6% from the prior-year quarter. The increase was mainly driven by lower funding costs and a favorable mix of earning assets. NIM expanded 17 basis points (bps) year over year to 3.27%. Our estimates for NII and NIM were $672.8 million and 3.32%, respectively.
Non-interest income was $187 million, up 9% year over year. The rise was driven by an increase in almost all the components except card fees. We had projected non-interest income to be $170.7 million.
Adjusted non-interest expenses were $558 million, up 4.7% year over year. Our estimate for the metric was $537.9 million.
The adjusted efficiency ratio improved to 65.0% from 66.6% in the prior-year quarter. A decline in the efficiency ratio indicates an increase in profitability.
Loans & Deposits IncreaseAs of March 31, 2026, net loans and leases held for investment were $60.6 billion, up marginally from the prior quarter. Total deposits were $76.9 billion, up 1.7% from the prior quarter. Our estimates for net loans and leases held for investment and total deposits were $61.1 billion and $76.3 billion, respectively.
Credit Quality ImprovesThe ratio of non-performing assets to total loans and leases and other real estate owned declined to 0.48% from 0.51% in the year-ago quarter.
Net loan and lease charge-offs were $4 million, down significantly from $16 million in the prior-year quarter. In the reported quarter, the company recorded a $7 million benefit from provision for credit losses against a $18 million provision expense in the prior-year quarter.
Strong Capital & Profitability RatiosAs of March 31, 2026, the common equity tier 1 (CET1) capital ratio was 11.5%, up from 10.8% in the prior-year quarter. The Tier 1 risk-based capital ratio was 11.6% compared with 10.9% a year ago, while the Tier 1 leverage ratio improved to 9.1% from 8.4% reported at the end of the year-ago quarter.
Return on average assets was 1.05%, up from 0.77% in the year-ago quarter. Return on average tangible common equity was 15.5%, up from 13.4% in the prior-year quarter.
Share Repurchase UpdateDuring the quarter, the company repurchased 1.3 million shares for $77 million.
First Quarter 2027 OutlookPeriod-end loan balances are expected to increase moderately on a year-over-year basis. The growth will be driven by an increase in commercial loans (mainly commercial & industrial (C&I) and owner-occupied) and commercial real estate loans, while consumer loans are expected to decline marginaly. Further, management expects commercial real estate classified balances to continue to decline due to payoffs and upgrades.
NII is expected to witness a moderate year-over-year increase, primarily driven by earning asset remix, loan and deposit growth, and fixed-rate asset repricing.
Customer-related adjusted non-interest income is anticipated to rise moderately from the prior year, driven by increased customer activity and new client acquisition, with capital markets contributing in an outsized way, as well as higher loan-related fees.
Adjusted non-interest expenses are projected to witness a moderate increase year over year. Technology costs, increased marketing expenses and continued investments in revenue-generating businesses are expected to put pressure on non-interest expenses.
Management expects to have positive operating leverage.
How Have Estimates Been Moving Since Then?It turns out, fresh estimates flatlined during the past month.
VGM ScoresAt this time, Zions has a average Growth Score of C, however its Momentum Score is doing a bit better with a B. Following the exact same course, the stock was allocated a grade of B on the value side, putting it in the second quintile for value investors.
Overall, the stock has an aggregate VGM Score of B. If you aren't focused on one strategy, this score is the one you should be interested in.
Outlook Zions has a Zacks Rank #3 (Hold). We expect an in-line return from the stock in the next few months.
, /PRNewswire/ -- Scott McLean, President and COO of Zions Bancorporation, N.A. (NASDAQ: ZION), will present at the Morgan Stanley US Financials Conference on Tuesday, June 9th at 4:45 pm Eastern. An audio webcast of the session may be accessed on the Zions Bancorporation website, www.zionsbancorporation.com. A replay will also be made available following the event.
Zions Bancorporation, N.A. is one of the nation's premier financial services companies with approximately $89 billion of total assets at December 31, 2025, and annual net revenue of $3.4 billion in 2025. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small- and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending. In addition, Zions is included in the S&P MidCap 400 and NASDAQ Financial 100 indices. Investor information and links to local banking brands can be accessed at www.zionsbancorporation.com.
ZIONS BANCORPORATION TO PRESENT AT THE MORGAN STANLEY US FINANCIALS CONFERENCE PR Newswire
SALT LAKE CITY, May 27, 2026
, /PRNewswire/ -- Scott McLean, President and COO of Zions Bancorporation, N.A. (NASDAQ: ZION), will present at the Morgan Stanley US Financials Conference on Tuesday, June 9th at 4:45 pm Eastern. An audio webcast of the session may be accessed on the Zions Bancorporation website, www.zionsbancorporation.com. A replay will also be made available following the event.
Zions Bancorporation, N.A. is one of the nation's premier financial services companies with approximately $89 billion of total assets at December 31, 2025, and annual net revenue of $3.4 billion in 2025. Zions operates under local management teams and distinct brands in 11 western states: Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The Bank is a consistent recipient of national and state-wide customer survey awards in small- and middle-market banking, as well as a leader in public finance advisory services and Small Business Administration lending. In addition, Zions is included in the S&P MidCap 400 and NASDAQ Financial 100 indices. Investor information and links to local banking brands can be accessed at www.zionsbancorporation.com.
View original content to download multimedia:https://www.prnewswire.com/news-releases/zions-bancorporation-to-present-at-the-morgan-stanley-us-financials-conference-302783489.html
For new and old investors, taking full advantage of the stock market and investing with confidence are common goals. Zacks Premium provides lots of different ways to do both.
The popular research service can help you become a smarter, more self-assured investor, giving you access to daily updates of the Zacks Rank and Zacks Industry Rank, the Zacks #1 Rank List, Equity Research reports, and Premium stock screens.
It also includes access to the Zacks Style Scores.
What are the Zacks Style Scores? Developed alongside the Zacks Rank, the Zacks Style Scores are a group of complementary indicators that help investors pick stocks with the best chances of beating the market over the next 30 days.
Each stock is assigned a rating of A, B, C, D, or F based on their value, growth, and momentum characteristics. Just like in school, an A is better than a B, a B is better than a C, and so on -- that means the better the score, the better chance the stock will outperform.
The Style Scores are broken down into four categories:
Value ScoreFor value investors, it's all about finding good stocks at good prices, and discovering which companies are trading under their true value before the broader market catches on. The Value Style Score utilizes ratios like P/E, PEG, Price/Sales, Price/Cash Flow, and a host of other multiples to help pick out the most attractive and discounted stocks.
Growth ScoreWhile good value is important, growth investors are more focused on a company's financial strength and health, and its future outlook. The Growth Style Score takes projected and historic earnings, sales, and cash flow into account to uncover stocks that will see long-term, sustainable growth.
Momentum ScoreMomentum traders and investors live by the saying "the trend is your friend." This investing style is all about taking advantage of upward or downward trends in a stock's price or earnings outlook. Employing factors like one-week price change and the monthly percentage change in earnings estimates, the Momentum Style Score can indicate favorable times to build a position in high-momentum stocks.
VGM ScoreIf you want a combination of all three Style Scores, then the VGM Score will be your friend. It rates each stock on their combined weighted styles, helping you find the companies with the most attractive value, best growth forecast, and most promising momentum. It's also one of the best indicators to use with the Zacks Rank.
How Style Scores Work with the Zacks Rank A proprietary stock-rating model, the Zacks Rank utilizes the power of earnings estimate revisions, or changes to a company's earnings outlook, to help investors create a successful portfolio.
It's highly successful, with #1 (Strong Buy) stocks producing an unmatched +23.7% average annual return since 1988. That's more than double the S&P 500. But because of the large number of stocks we rate, there are over 200 companies with a Strong Buy rank, plus another 600 with a #2 (Buy) rank, on any given day.
But it can feel overwhelming to pick the right stocks for you and your investing goals with over 800 top-rated stocks to choose from.
That's where the Style Scores come in.
You want to make sure you're buying stocks with the highest likelihood of success, and to do that, you'll need to pick stocks with a Zacks Rank #1 or #2 that also have Style Scores of A or B. If you like a stock that only has a #3 (Hold) rank, it should also have Scores of A or B to guarantee as much upside potential as possible.
Since the Scores were created to work together with the Zacks Rank, the direction of a stock's earnings estimate revisions should be a key factor when choosing which stocks to buy.
Here's an example: a stock with a #4 (Sell) or #5 (Strong Sell) rating, even one with Style Scores of A and B, still has a downward-trending earnings outlook, and a bigger chance its share price will decrease too.
Thus, the more stocks you own with a #1 or #2 Rank and Scores of A or B, the better.
Stock to Watch: Zions (ZION - Free Report) Zions Bancorporation, National Association, founded in 1873 and headquartered in Salt Lake City, UT, is a diversified financial services firm with a network of more than 400 branches. The company operates across 11 western states: Utah, California, Idaho, Arizona, Nevada, Colorado, Texas, New Mexico, Washington, Oregon and Wyoming.
ZION is a #3 (Hold) on the Zacks Rank, with a VGM Score of B.
It also boasts a Value Style Score of B thanks to attractive valuation metrics like a forward P/E ratio of 9.67; value investors should take notice.
11 analysts revised their earnings estimate higher in the last 60 days for fiscal 2026, while the Zacks Consensus Estimate has increased $0.23 to $6.44 per share. ZION also boasts an average earnings surprise of +17.6%.
With a solid Zacks Rank and top-tier Value and VGM Style Scores, ZION should be on investors' short list.
All investors love getting big returns from their portfolio, whether it's through stocks, bonds, ETFs, or other types of securities. But when you're an income investor, your primary focus is generating consistent cash flow from each of your liquid investments.
While cash flow can come from bond interest or interest from other types of investments, income investors hone in on dividends. A dividend is that coveted distribution of a company's earnings paid out to shareholders, and investors often view it by its dividend yield, a metric that measures the dividend as a percent of the current stock price. Many academic studies show that dividends account for significant portions of long-term returns, with dividend contributions exceeding one-third of total returns in many cases.
Based in Salt Lake City, Zions (ZION - Free Report) is in the Finance sector, and so far this year, shares have seen a price change of 7.7%. The financial holding company is currently shelling out a dividend of $0.45 per share, with a dividend yield of 2.85%. This compares to the Banks - West industry's yield of 2.68% and the S&P 500's yield of 1.44%.
Looking at dividend growth, the company's current annualized dividend of $1.80 is up 2.3% from last year. Over the last 5 years, Zions has increased its dividend 3 times on a year-over-year basis for an average annual increase of 5.20%. Looking ahead, future dividend growth will be dependent on earnings growth and payout ratio, which is the proportion of a company's annual earnings per share that it pays out as a dividend. Zions's current payout ratio is 28%, meaning it paid out 28% of its trailing 12-month EPS as dividend.
ZION is expecting earnings to expand this fiscal year as well. The Zacks Consensus Estimate for 2026 is $6.44 per share, representing a year-over-year earnings growth rate of 5.23%.
Investors like dividends for a variety of different reasons, from tax advantages and decreasing overall portfolio risk to considerably improving stock investing profits. But, not every company offers a quarterly payout.
For instance, it's a rare occurrence when a tech start-up or big growth business offers its shareholders a dividend. It's more common to see larger companies with more established profits give out dividends. Income investors must be conscious of the fact that high-yielding stocks tend to struggle during periods of rising interest rates. With that in mind, ZION is a compelling investment opportunity. Not only is it a strong dividend play, but the stock currently sits at a Zacks Rank of #3 (Hold).
