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    Zions Bancorporation National Association (ZION) Slides On Weaker Momentum, Is It Below Fair Value?

    Simply Wall St·10/08/2026 08:29:51
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    Recent performance and valuation snapshot

    Zions Bancorporation National Association (ZION) has drawn fresh attention after a stretch of weaker trading, with the share price down about 11% over the past month and past 3 months from its recent close of US$61.92.

    That softer chart performance sits beside mixed fundamentals, including annual revenue of US$3.69b, net income of US$1.15b and modest reported annual revenue growth paired with a decline in net income.

    Recent trading softness follows a longer stretch where Zions Bancorporation National Association has still delivered a 13.74% 1 year total shareholder return. However, short term momentum looks weaker, with the 30 day share price return down 10.74% and the year to date share price gain at 4.51%.

    Compare Zions Bancorporation National Association's recent pullback with hand picked bank and financial stocks showing stronger fundamentals in our list of solid balance sheet and fundamentals (25 results).

    So is the recent drop in Zions Bancorporation National Association mainly a blunt reaction to softer earnings trends, or has sentiment just swung harder than the business fundamentals justify as the valuation shifts?

    Most Popular Narrative: 18% Undervalued

    The most followed narrative on Zions Bancorporation National Association pins fair value at about $75.09 per share, above the recent $61.92 close, and leans heavily on fee income growth and capital strength to support that gap.

    The ongoing investment in digital capabilities, including a modern, AI-enabled core banking platform, positions Zions Bancorporation National Association to respond to rising demand for efficient, tech-driven banking services. Management now flags AI as a way to substitute for outsourced functions and potentially remove a meaningful slice of vendor-driven costs, which would support future net margin and earnings efficiency.

    See why 11 investors see Zions Bancorporation National Association as 18% undervalued.

    Result: Fair Value of $75.09 (UNDERVALUED)

    Still, parts of the Zions Bancorporation National Association story cut the other way, with deposit competition and a potential Western US slowdown both capable of quickly testing this optimism.

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

    Next Steps

    Mixed sentiment on Zions Bancorporation National Association is clear, with both pressure points and bright spots in the story. Act while this debate is fresh in your mind and review the balance of issues captured in 4 key rewards and 2 important warning signs.

    Looking for more investment ideas beyond Zions Bancorporation National Association?

    Do not stop at Zions Bancorporation National Association. The biggest edge often comes from comparing this story with other high quality opportunities that fit different roles in your portfolio.

    Use the Simply Wall St screener to quickly test other angles before the next move.

    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.