Zions Bancorporation

ZION US Financials Regional Banks
S&P 400
$68.75
+0.67%
Delayed · cached 15 min

Fair value analysis

ZION
Zions Bancorporation
FinancialsRegional Banks
$68.75
Close used for this calculation
$32.68Fair value
Financial DNA Score
Profitability · Returns · Balance Sheet · Efficiency · Growth
56/100
Profitability17/25
Returns7/25
Balance Sheet17/25
Efficiency15/25
Growth4/25
Good
Quality radar
56Prof.17/25Ret.7/25Eff.15/25B.Sht17/25Growth4/25

Consensus fair value

$32.68
Above FV
▼ -52.5% against the close used
Model range $1.76 – $65.23
The lowest and highest of the models that produced a value. This is the spread of the methods, not a price target.

Price target range & 52-week position

Bear$1.76Fair value$32.68Bull$65.23
FairClose
52-week traded range
52W low $46.9352W high $73.31

The 52-week range is measured from the stored price history, not estimated.

Valuation summary

Trading above the consensus fair value

Zions Bancorporation closed at $68.75, 110.4% above the consensus fair value of $32.68 drawn from 8 valuation models.

Financial DNA score 56/100 — Good. P/E of 39.1x against the 20x sector multiple the P/E model uses.

Quantitative summary only — not investment advice.

All valuation models

DCF Valuation
$23.34
-66.1%
Σ[CF×(1+g)^n/(1.10)^n] + TV/(1.10)^10
g=1%, r=10%, tg=3%, n=10yr
Graham Number
$45.59
-33.7%
√(22.5 × EPS × BVPS)
EPS=1.76, BVPS=52.48 · outside Graham range (P/E 39.1, P/B 1.3) — asset-light, treat as a rough floor
P/E Fair Value
$35.20
-48.8%
EPS × 20x (sector P/E)
EPS=1.76, Sector P/E=20x
Peter Lynch (PEG)
$1.76
-97.4%
EPS × Growth% (PEG = 1 is fair)
EPS=1.76, g=1%
Dividend Discount (DDM)
$22.44
-67.4%
D1 ÷ (r − g) where D1 = D0×(1+g)
D0=1.76, r=10%, g=2%
Book Value (P/B)
$65.23
-5.1%
BVPS × (ROE−g)÷(r−g) [Justified P/B — RIM-based]
BVPS=52.48, ROE=11.7%, g=3%, r=10%
Reverse DCF
$68.75
+0.0%
Solve for g: Price = Σ[EPS×(1+g)^n/(1.10)^n] + TV
Implied: 16.2% | Historical: 1%
Margin of Safety
$26.03
-62.1%
Avg(DCF, Graham, P/E) × 75% (25% safety buffer)
Avg fair value=34.71, MoS=25%

Computed on September 12, 2026 from the most recent annual report on file and that day's closing price. Where a company has seen its earnings move sharply since its last annual report, this figure will lag the market.

Educational data only. Not a recommendation to buy, sell or hold any security.

Educational data only. Not a recommendation to buy, sell or hold any security.