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Stock Ratings / Financials / ZION / options
ONB (65) CFR (60) BPOP (67) SSB (60) ⌘ Pro Terminal β†’

Zions Bancorporation N.A. (ZION) Options Positioning, Max Pain & Unusual Sweeps

$66.38 +1.55% NASDAQ β€’ Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $66.44

Zions Bancorporation N.A. (ZION) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C β€’ HOLD / WATCH Cap $9.54B
πŸ“€ Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚑ INSTANT AI QUANT PREVIEW β€’ $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on ZION Below β€” or Connect Your Own ChatGPT / Claude
πŸ€– Mara Quenwick β€’ AI Quant Lead (Click for Instant Brief) Is ZION stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
β–Ό

As of 2026-11-03, Zions Bancorporation N.A. (NASDAQ: ZION) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $66.38 (+1.55% 1D, market cap $9.54B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, ZION ranks #262 in composite RQD confidence.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Ellis Vennor β€’ AI Peer & Flow Quant (Click for Instant Brief) How does ZION compare to ONB and CFR in the Financials sector?
β–Ό

Within the Financials sector (Major Banks), ZION carries a Roarable C (64/100 RQD), trailing P/E of 10.8x, gross margin of β€”, and ROIC of 2.8%. By comparison, ONB (Old National Bancorp) holds a C grade (65/100 RQD, P/E 14.3x, ROIC 1.9%, cap $9.49B) and CFR (Cullen/Frost Bankers Inc.) posts a C- grade (60/100 RQD, P/E 15.1x, ROIC 3.4%, cap $9.80B). Among the 5-stock peer group, ZION leads on earnings multiple (10.8x) while CFR leads on capital efficiency (3.4% ROIC).

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– Gideon Ashmere β€’ AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for ZION?
β–Ό

Per ZION's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000109380), Zions Bancorporation N.A. generated $529.0M in revenue (+3.1% YoY), $899.0M in net income, and $952.0M in free cash flow against $88.69B in total assets and $36.68B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

βœ“ Pre-computed one-to-many AI Quant brief
πŸ€– AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists β€” not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
πŸ›‘οΈ Portfolio Crash X-Ray
EXT / AFTER-HRS: $66.44 (+0.09%)🧬 Cannibal Buyback (-2.08% YoY Shares)βš™οΈ Cash Engine: 9/20 (D) β€’ 180% FCF Margin
Verify 90D Bucket Audit β†’
πŸ“Š Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY β€’ 55.2% hit rate β€” wait for RQD β‰₯ 70 breakout).
Audit Bucket Track Record β†’
RQD QUANT TACHOMETERHOLD / WATCH β€’ C
025507510064
2-of-3 Quant Analysts Bullish
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) β€” not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C- Β· Rk B-
Cash (9)Whales (12)SEC (15)Macro (13)CEO (15)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$80 Bull$68 Base$53 Bear
πŸ“¬ FREE ZION RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: β€” (No Active Options Snapshot on file for ZION)Realized 20D OHLCV Swing Band: Β±4.1%
Deterministic 5-Pillar Attribution (64/100 Composite)
πŸ” WHY ZION SCORES 64/100 (C) β€” TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
β–² #1 Bullish Driver: SEC 10-K Forensic Risk+15/20 pts (23% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) β€’ Piotroski F-Score 7/9

β–² #2 Bullish Driver: Insider Conviction & Share Dilution+15/20 pts (23% of score)

SEC Form 4 / 13F Thermometer: 75% Net Buy β€’ Cannibal Buyback (-2.08% YoY Shares)

β–Ό #1 Drag / Risk Factor: Cash Engine Quality9/20 pts (-11 pt drag)

Capital intensity & 52% operating margin leave 11 pts on the table

πŸ“ˆ PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 β†’ Q2 β†’ Q3 β†’ Current
Q1 (-3Q)
56
Grade C$61.78+6.4% Next Q
Q2 (-2Q)
59
Grade C$65.71-0.5% Next Q
Q3 (-1Q)
61
Grade C$65.41+1.5% Next Q
Current
64
Grade C$66.38+1.1% Hist 90D Ξ±
Trajectory: C (56) β†’ C (64)Full Audit β†’
βš”οΈ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

βš”οΈ Adversarial Opposing Case: Why the ZION Bull Thesis Could Fail

Gideon Ashmere Forensic Desk β†’

Even with a 64/100 (C) score, ZION faces multiple-compression risk if 10.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.08% YoY Shares) β€” any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($65.24) or 200D SMA ($63.94) invalidates the momentum regime and cuts Target Base ($68.17) toward Bear Floor ($53.17).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $ZIONβ€’ $2.4M Crowd Pool β€’ Kalshi / Polymarket Composite
Contract: β€œZION Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds β†’
CALL VS. PUT WHALE SHARE
β€” (No Active Options Snapshot)
Put/Call Ratio: β€” (No Active Options Snapshot)
MAX-PAIN EXPIRATION MAGNET
β€” (No Active Options Snapshot)
No active options chain max-pain snapshot on file
HISTORICAL 20D VOLATILITY SWING
Β±4.1%
Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (ZION)

β€” (No Active Options Snapshot) β€” No unusual CBOE strike concentration anomalies recorded in the current database snapshot for ZION.

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Whale Flow & Momentum Playbook: Evaluating ZION & AI Leaders Without Chasing Tops

  • βœ“Institutional whale strikes & implied earnings move audit on ZION
  • βœ“How disciplined traders manage risk using pre-published trigger & invalidation levels
  • βœ“Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders
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ZION // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.87%⚑ TESTING RESISTANCE
2026-11-03O $66.23H $66.38L $65.37C $66.38VOL 1.27M
RES: $66.63SUP: $57.47SMA50: $65.24SMA200: $63.94
$74.49$69.73$64.98$60.23$55.47RES $66.63SUP $57.47$66.382026-05-042026-06-182026-08-052026-09-212026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

ZION Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

πŸ¦‹ ZION Butterfly Map β†’ + Track ZION β†’
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
0.4%/yr Implied 5Y Growth

vs. +3.1% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on ZION today. View full Setup Ledger β†’

πŸ¦‹ Documented & Second-Order Butterfly Connections Open Graph β†’

No direct multi-tier Butterfly edges indexed yet for ZION. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for ZION today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk β†’
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT β€’ SEC EDGAR XBRL Γ— RQD PEER BENCHMARK

πŸ“Š Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (ZION)

Financials Rank #262 of 1097 βš”οΈ ONB vs ZION Full Matrix β†’

1. Head-to-Head Financials Peer Comparison (ZION vs. ONB, CFR, BPOP, SSB)

Industry: Major Banks (248 Tracked Issuers)

Across 1097 tracked Financials securities in the Roarable RQD universe, Zions Bancorporation N.A. (ZION) ranks #262 by composite RQD confidence (64/100, grade C) and #194 by equity capitalization ($9.54B). Within this direct 5-issuer industry benchmark cohort, ZION leads on earnings valuation at 10.8x trailing P/E, while CFR leads on capital efficiency and profitability with 3.4% ROIC and β€” gross margin. BPOP currently holds the highest overall quantitative score in the immediate peer group at 67/100 (C+) compared with ZION at 64/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
ZION ACTIVE
Zions Bancorporation N.A.
C 64/100 10.8x β€” 2.8% +1.55% $9.54B Benchmark Subject
ONB
Old National Bancorp
C 65/100 14.3x β€” 1.9% +2.71% $9.49B /onb-vs-zion β†’
CFR
Cullen/Frost Bankers Inc.
C- 60/100 15.1x β€” 3.4% +1.71% $9.80B /cfr-vs-zion β†’
BPOP
Popular Inc.
C+ 67/100 12.1x β€” 3.1% +1.50% $9.99B /bpop-vs-zion β†’
SSB
SouthState Bank Corporation
C- 60/100 12.9x β€” 3.0% +1.75% $10.20B /ssb-vs-zion β†’

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K β€’ FILED 2025-12-31 β€’ CIK 0000109380 β†—

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Zions Bancorporation N.A. (ZION) reported GAAP revenue of $529.0M (+3.1% vs. FY2024 revenue of $513.0M , and +5.2% cumulative change since FY2023) , GAAP net income of $899.0M, operating cash flow of $1.07B, and free cash flow of $952.0M (-9.4% YoY). On the balance sheet, ZION closed FY2025 with $88.69B in total assets against $36.68B in total debt (Altman Z-Score: N/A, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $529.0M $899.0M $1.07B $952.0M $88.69B $36.68B
FY2024 (FY) 2024-12-31 $513.0M $784.0M $1.15B $1.05B $88.78B $37.19B
FY2023 (FY) 2023-12-31 $503.0M $680.0M $885.0M $862.4M $5.32B $1.24B

3. ZION Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

βœ“ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is ZION stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Zions Bancorporation N.A. (NASDAQ: ZION) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $66.38 (+1.55% 1D, market cap $9.54B). Pillar breakdown: Fundamental Cash Engine 9/20, Institutional 13F & Options Flow 12/20, SEC Balance-Sheet Forensics 15/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 15/20. Across 1097 tracked Financials issuers, ZION ranks #262 in composite RQD confidence.

How does ZION compare to ONB and CFR in the Financials sector?

Within the Financials sector (Major Banks), ZION carries a Roarable C (64/100 RQD), trailing P/E of 10.8x, gross margin of β€”, and ROIC of 2.8%. By comparison, ONB (Old National Bancorp) holds a C grade (65/100 RQD, P/E 14.3x, ROIC 1.9%, cap $9.49B) and CFR (Cullen/Frost Bankers Inc.) posts a C- grade (60/100 RQD, P/E 15.1x, ROIC 3.4%, cap $9.80B). Among the 5-stock peer group, ZION leads on earnings multiple (10.8x) while CFR leads on capital efficiency (3.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for ZION?

Per ZION's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0000109380), Zions Bancorporation N.A. generated $529.0M in revenue (+3.1% YoY), $899.0M in net income, and $952.0M in free cash flow against $88.69B in total assets and $36.68B in total debt. Key quantitative strengths: Company leadership has skin in the game with net positive insider conviction. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run. Institutional options positioning shows a 50% call / 50% put premium split.

Where is ZION trading relative to its 50-day, 200-day, and 52-week technical levels?

ZION last traded at $66.38 (+1.55% on volume of 1,746,965 shares), positioning the stock +1.75% above its 50-day simple moving average ($65.24) and +3.82% above its 200-day simple moving average ($63.94). Across its 52-week range of $48.50 to $73.34, ZION sits at the 72.0% percentile with a 14-day RSI of 52.2 (NEUTRAL RANGE) and an implied next-earnings move of Β±4.1% ($63.66 to $69.10).

Direct Sub-Reports: ZION RQD Cockpit ZION 12M Forecast ZION Earnings & Move ZION Dividends & DRIP ZION Insiders & 13F ZION Whale Options ZION Profit Sankey ZION News & Why
ROARABLE RATING BRIEF β€’ RQD 64/100 (C) βœ“ SEC XBRL & RQD VERIFIED

ZION β€” Zions Bancorporation N.A.: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Zions Bancorporation N.A. (ZION) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $66.38 (+1.55% 1D, market capitalization $9.54B).

  • Fundamental Cash Engine (9/20): Anchored by return on invested capital (ROIC) of 2.8%, gross margin of β€”, operating margin of 75.0%, and free cash flow yield of 9.85%.
  • Whale 13F & Options Flow (12/20) + Insider Conviction (15/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (13/20) + Forensic Balance Sheet (15/20): Incorporates a 0.90x equity beta, Altman Z-Score of N/A, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Zions Bancorporation N.A. (ZION) is a NASDAQ-listed issuer classified in the Financials sector and the Major Banks industry. The company carries a market capitalization of $9.7B. β€” for the detailed product and customer breakdown.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Zions Bancorporation N.A. (ZION) reported $529.0M in annual revenue (up from $513.0M in FY2024, +3.1% YoY) and $899.0M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($503.0M revenue, $680.0M net income) through FY2025, ZION scaled operating cash flow to $1.07B and free cash flow to $952.0M, backed by $88.69B in total assets against $36.68B in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • πŸ‚ Primary Bull Case (C β€’ RQD 64/100): Company leadership has skin in the game with net positive insider conviction. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 9/20 and Institutional Whale Flow at 12/20, sustained execution supports upside toward the upper end of the $48.50 – $73.34 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Broader market pullbacks can still drag down strong stocks in the short run. Investors must weigh 10.8x trailing P/E and 27.7x EV/EBITDA against 75.0% operating margins and a 0.90x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Major Banks (Financials), ZION carries a macro regime beta of 0.90 and gross margin of β€”.

  • Key Question #1: Can ZION sustain or expand its 75.0% operating margin and 2.8% ROIC against Major Banks peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $529.0M and free cash flow of $952.0M, how will capital allocation balance growth reinvestment against $36.68B in total debt?
  • Key Question #3: How sensitive is ZION's 10.0x forward P/E multiple to Financials capital spending cycles and macro interest-rate shifts (Beta 0.90x)?

ZION Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Zions Bancorporation N.A. (ZION) β€’ Click "Debate This Headline" to argue it in the Roar Pit below

πŸ’¬ Jump to ZION Debate Forum (3) ↓
πŸ”₯ THE ROAR PIT β€’ LIVE COMMUNITY DEBATE 3 Active Posts & Replies

ZION Bull vs. Bear Conversation Board β€” What's Your Call at $66.38?

πŸ‚ 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON ZION 🐻 33% BEARISH CONVICTION
1. Pick Your Side on ZION:
πŸ’‘ Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
MA MacroHawk_NYC RQD DEBATE OPENER β€’ Cross-Asset Macro Desk πŸ‚ BULLISH 🎯 Target: $79.10 (+21.0%)
πŸ“Œ Pinned Debate

Balance-sheet quality is strong, with Altman Z of 2.5, Piotroski F of 7/9, and Debt/Equity of 0.5, and the stock trades at a P/E (TTM)

Balance-sheet quality is strong, with Altman Z of 2.5, Piotroski F of 7/9, and Debt/Equity of 0.5, and the stock trades at a P/E (TTM) of 10.8.. When you look under the hood at ZION, Fundamental Cash Engine is 9/20 with 0.0% gross margins and 2.8% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (12/20) has been quietly accumulating below $73.34. My 12M target is $79.10.

ArenaChamp_24 πŸ‚ BULL

@FadeTheHype Fair point on 10.8x trailing P/E, but you're ignoring the forward operating leverage in Major Banks. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

FA FadeTheHype RQD DEBATE OPENER β€’ Contrarian Tape Reader 🐻 BEARISH 🎯 Target: $56.22 (-14.0%)
Spot @ $65.37

Capital efficiency is weak, with ROIC of 2.8% limiting the Fundamental Cash Engine pillar to 9/20 despite a 9.85% FCF yield.

Careful chasing ZION at $65.37. Capital efficiency is weak, with ROIC of 2.8% limiting the Fundamental Cash Engine pillar to 9/20 despite a 9.85% FCF yield.. Gross margin is 0.0%, but operating margin is 75.0%, which shows SG&A and reinvestment are eating into bottom-line EPS. Target $56.22 on multiple compression.

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