NASDAQ · STOCK
Zions Bancorporation
$71.94
52W $46.19 – $73.34
65/100
—
11.1
0.79
Explore ZION Further
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is ZION Bullish or Bearish?
Bullish.
Innellis AI committee rates Zions Bancorporation (ZION) Buy with a composite score of 65/100
, based on 6 analysts with 83% agreement.
Last updated July 20, 2026.
Executive Summary
The primary driver is p/e of 11.1 is inexpensive for the broad market. The main limiting factor is sector concentration is already high (hhi 2975.52). The committee is constructive but not yet at full conviction.
Bull & Bear Case
Bull Case
- Positive MACD histogram signals bullish momentum.
- Daily trend: uptrend.
- Weekly trend: uptrend.
- Daily and weekly trends are both bullish — multi-timeframe alignment, highest confidence.
- Daily volatility (ATR%) above ~3% is treated as elevated risk.
Bear Case
- Bearish candlestick pattern(s) detected: Evening Star.
- Risk/reward is unfavorable: 14.1% downside vs 4.9% upside.
Price History (6M)
AI Investment Committee
Committee Consensus
As of July 20, 2026
Overall Committee Score
65/100
Agreement
83%
Analysts
6
Conviction
High
Value Analyst
bullish
80
/ 100 · Moderate confidence
Classic value case: cheap on multiples with earnings power to back it up
+ P/E of 11.1 is inexpensive for the broad market
Growth Analyst
bullish
67
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ Revenue growing 53.6% YoY -- genuine top-line momentum
− Growth rate is decelerating quarter over quarter -- the trend line matters more than the level
Technical Analyst
bullish
63
/ 100 · High confidence
Price action is constructive -- trend and momentum agree
+ Price structure making higher highs and higher lows
− Weekly RSI at 79 -- overbought on the larger timeframe too
Macro Analyst
bullish
70
/ 100 · Moderate confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
+ Market regime is bullish (Bull market -- normal position sizing)
News Analyst
bullish
64
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.20 across 18 articles, 14d)
Portfolio Manager
neutral
45
/ 100 · High confidence
Portfolio-level factors are mixed -- worth a deliberate sizing decision, not a default-size position
+ Portfolio position concentration is currently healthy
− Sector concentration is already high (HHI 2975.52)
Investment Thesis Evolution
Committee score moved marginally from 64.4 to 64.8.
- New bearish signals: 1 appeared.
- Bullish support removed: 1 signal(s) disappeared.
- New bullish signals: 2 appeared.
- Bearish pressure eased: 1 signal(s) disappeared.
Analyst-level changes:
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: +1 bearish signal(s).
- Value Analyst: +1 bullish signal(s).
Comparing 2026-07-19 to 2026-07-20 (1 day apart).
Technical Analysis
RSI (14)
61.5
Neutral
MACD Histogram
0.021
Bullish Momentum
Trend Direction
Uptrend
Weekly: Uptrend
Market Structure
Mixed
Support
$61.77
Resistance
$75.44
Bollinger %B
0.81
Inside Bands
Price vs Moving Averages
EMA 9
$71.31
Above
EMA 21
$69.77
Above
EMA 50
$66.86
Above
EMA 200
$60.75
Above
Fundamental Analysis
Valuation
100
Growth
72
Profitability
0
Financial Health
50
Cash Flow
37
Valuation
P/E Ratio
11.1×
P/B Ratio
1.45×
PEG Ratio
0.25
Dividend Yield
0.03%
52W High
$73.34
52W Low
$46.19
Quality & Growth
ROE
12.5%
ROA
1.0%
Gross Margin
68.9%
Operating Margin
25.0%
Revenue Growth YoY
—
Debt / Equity
0.32
AI Fundamental Assessment
P/E ratio of 11.1 (inexpensive relative to a 15-40x range); Price-to-book of 1.4x; PEG ratio of 0.3 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 0.1%; Return on assets of 0.0%; Net margin of 0.2%; Gross margin of 0.7%; Current ratio of 0.28 (tight short-term liquidity); Debt-to-equity of 0.32; Free cash flow margin of 0.9% (thin cash generation); Free cash flow per share is positive (7.95); Most recent quarter missed estimates by 5.7%; EPS growth accelerating (-11.4% -> +11.5% QoQ); Average YoY EPS growth of 6.8%; Analyst estimates rising over recent quarters
Key Risks
- Bearish candlestick pattern(s) detected: Evening Star.
- Risk/reward is unfavorable: 14.1% downside vs 4.9% upside.
This risk summary is generated from quantitative data signals, not qualitative opinion. All investors should conduct their own due diligence. This is not financial advice.
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