CluenexZions Bancorporation ZION
Zions Bancorporation scores good on business quality (6.1 of 10). Here is why, in plain words, and what our sealed record shows.
Why it matters
- What Zions Bancorporation does
Zions Bancorporation provides commercial banking and retail financial services, generating revenue primarily through interest income and loans to small and middle-market businesses across the western United States. The bank focuses on deepening regional commercial relationships to expand its deposit base and core lending operations.
- What it does best
Zions delivers exceptional cash conversion, posting a free cash flow margin of 88% which places it in the top quartile of its financial services sector. This cash generation stems from a sticky regional deposit base built over decades across western states, creating high switching costs for business clients.
- The main risk
Deposit concentration and regional economic shifts present the primary threat to margins, as illustrated by external market concerns regarding small-cap banking stability. If funding costs spike, net interest income compressed across its loan portfolio directly impacts profitability.
Quality, check by check
Scored against its own industry, from company filings.
Net margin stands at 30.8% with an ROE of 16.1%, highlighting solid returns that improve as regional deposit scale expands.
The bank relies on regional intangible assets and switching costs that lock in business customers across western markets, reflected in its top-quartile sector rank for cash flow efficiency.
Revenue grew 8.1% to $3.7B over the trailing period, accelerating from prior years where revenue hovered around $3.1B to $3.3B.
Debt-to-equity sits at 0.6x alongside total debt of $4.6B while free cash flow reached $1.68B, showing the balance sheet is holding steady.
Insiders
Executives and directors, from SEC Form 4 filings we read ourselves. Open market trades only; grants, option exercises and pre-planned sales left out.
3 sold $6.3M outside pre-planned sales.
Our sealed record on ZION
Verdicts appear here 30 days after we publish them; members see today's. Each one is in the nightly ledger, fingerprinted the night it was made.
The first sealed verdicts appear here on Oct 11, 2026.
Questions
Zions Bancorporation scores good on the Cluenex quality check (6.1 of 10), measured against its own industry. Profitability is fair, moat fair, growth slow and financial health strong.
In the last 90 days of SEC Form 4 filings: 3 sold $6.3M outside pre-planned sales.
Oct 19, 2026.
See ZION today
- Today's verdict on ZION, and why
- Fair value with cautious, base and optimistic cases
- The exact price that would change the verdict
- Which stocks each signal names, the night it fires
Cite this page: Cluenex, “Zions Bancorporation (ZION)”, https://cluenex.com/stocks/zion/, data as of Oct 10, 2026.