Does Zions’ Q3 Earnings Beat and Digital Banking Progress Change The Bull Case For ZION?

• Zions Bancorporation recently delivered a strong Q3, with revenue rising 9.3% year on year and both revenue and EPS exceeding analyst expectations, benefiting from higher interest rates and ongoing digital banking investments.
• The results highlight how Zions’ mix of technology upgrades and regional lending strength is helping it stand out among regional banks facing fintech competition and credit risks.
• We’ll now examine how this earnings beat, alongside improving digital capabilities, may influence Zions Bancorporation’s existing investment narrative and risk profile.

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Zions Bancorporation National Association Investment Narrative Recap

To own Zions Bancorporation, you need to believe a focused Western regional bank can turn digital investment and local commercial relationships into steady, if unspectacular, growth. The latest Q3 beat and 14.5% post-earnings share price move support that near term catalyst, while also putting more attention on the key risk that rising funding costs or deposit shifts could quickly erode today’s net interest margin gains.

Among recent announcements, the refreshed share repurchase activity in early 2025 stands out alongside the earnings beat, as it signals confidence in capital strength after a solid quarter. For investors, that sits directly against concerns around higher credit costs, including net charge offs ticking up in Q1 2025, which could matter if regional economies or commercial real estate start to weaken.

But behind the strong quarter and buybacks, there is still the underappreciated risk that Zions’ concentrated Western footprint leaves investors exposed to...

Read the full narrative on Zions Bancorporation National Association (it's free!)

Zions Bancorporation National Association's narrative projects $3.5 billion revenue and $818.0 million earnings by 2028. This requires 3.7% yearly revenue growth and about a $12.0 million earnings increase from $806.0 million today.

Uncover how Zions Bancorporation National Association's forecasts yield a $62.09 fair value, a 4% upside to its current price.

Exploring Other Perspectives

Three fair value estimates from the Simply Wall St Community span from about US$62 to over US$44,000 per share, showing just how far apart individual views can be. As you weigh those opinions against Zions’ recent earnings beat and ongoing exposure to regional credit and deposit pressures, it is worth exploring several alternative viewpoints before forming your own stance.

Explore 3 other fair value estimates on Zions Bancorporation National Association - why the stock might be a potential multi-bagger!

Build Your Own Zions Bancorporation National Association Narrative

Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.

• A great starting point for your Zions Bancorporation National Association research is our analysis highlighting 5 key rewards that could impact your investment decision.
• Our free Zions Bancorporation National Association research report provides a comprehensive fundamental analysis summarized in a single visual - the Snowflake - making it easy to evaluate Zions Bancorporation National Association's overall financial health at a glance.

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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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