Business quality remains strong (avg 95/100), but growth is pulling the composite down (avg 50/100).
Broad-market heuristics · Not a buy/sell signal
Valuation and growth
Valuation
Growth
Under 20x, reasonable relative to earnings
1.3x book, reasonable for a financial
Below 2%, essentially flat
Above 8% book-value compounding, strong
Business Quality & Capital Allocation
Shrinking >2%, active buybacks
Above 15%, strong return on equity
8.6% equity/assets, comfortable cushion
Net margin expanded 3+pp, strong improvement
Zions Bancorporation, National Association (ZION) quality: score, margins and returns
Zions Bancorporation, National Association (ZION) scores 82/100 on Intrinsiqq's quality score (a high-quality business), a weighted blend of 8 metrics each scored 0 to 100. Every metric is computed from SEC filings; this is analysis, not investment advice.
Frequently asked
Is Zions Bancorporation, National Association (ZION) a high-quality business?+
Zions Bancorporation, National Association scores 82 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a high-quality business on these measures. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.
What does Zions Bancorporation, National Association's quality score measure?+
Intrinsiqq's quality score weighs profitability, returns on capital, revenue growth, and balance-sheet strength, using measures suited to banks, insurers and other financial companies (where free-cash-flow and operating-margin metrics do not apply), each computed from ZION's SEC filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Zions Bancorporation, National Association scores well and where it falls behind.
How profitable is Zions Bancorporation, National Association?+
Zions Bancorporation, National Association runs a net margin of about 168.7%. Revenue has grown at roughly -22.7% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from SEC filings, not investment advice.
SourceQuality score computed from the 10-Q filed 31 Jul 2026, covering the period ending 30 Jun 2026, as reported to the SEC. Data last refreshed 28 Sept 2026. How this is calculated.
Fiscal year ends Dec. Sector medians are approximate S&P 500 benchmarks and update periodically. Checks use broad-market heuristics, so sector norms may differ, and the valuation checks are more cyclical than the quality checks.
Peers
National Commercial Banks · Pick stocks to compare with ZION
Held by ETFs
ZION is in 146 US ETFs. The largest of them, with ZION's weight in each:
Spot a number that looks wrong? Check it in ZION's SEC filings or
Download this analysis as a PDF (Pro)
Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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