Is Zions Bancorporation (ZION) Undervalued After Its Recent Short-Term Share Price Gains?

Zions Bancorporation National Association (ZION) has been quietly grinding higher, with the stock up about 1 % today, nearly 3 % over the past week, and roughly 6 % this month.

See our latest analysis for Zions Bancorporation National Association.

At around $54.82 per share, Zions’ recent 1 month share price return of nearly 6% contrasts with a slightly negative 1 year total shareholder return, suggesting short term momentum is improving even as longer term gains remain more modest.

If Zions has you thinking about where else capital might work harder, now could be a good time to explore fast growing stocks with high insider ownership for other interesting ideas.

With earnings still growing, the share price sitting below analyst targets and the stock trading at a hefty intrinsic discount, investors now face a key question: is Zions genuinely undervalued, or is the market already pricing in its future growth?

Most Popular Narrative Narrative: 12% Undervalued

With the narrative fair value sitting at $62.30 against Zions’ $54.82 close, the spread hints at meaningful upside if the thesis plays out.

The ongoing investment in digital capabilities, including a modern, AI-enabled core banking platform, positions Zions to capitalize on increasing demand for efficient, tech-driven banking services, lowering operational costs and improving the efficiency ratio, which should drive net margin expansion.

Read the complete narrative.

Curious how modest growth forecasts, shifting margins and a richer future earnings multiple can still point to upside? The full narrative unpacks every assumption behind that gap.

Result: Fair Value of $62.30 (UNDERVALUED)

Have a read of the narrative in full and understand what's behind the forecasts.

However, elevated commercial real estate exposure and intense digital competition could pressure margins and credit quality, quickly eroding the apparent valuation upside.

Find out about the key risks to this Zions Bancorporation National Association narrative.

Build Your Own Zions Bancorporation National Association Narrative

If this perspective does not quite match your own, or you prefer hands on research, you can build a personalized view in just minutes, Do it your way.

A good starting point is our analysis highlighting 4 key rewards investors are optimistic about regarding Zions Bancorporation National Association.

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This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.

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