<div id="readability-page-1"><div><ul> <li>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.</li> <li>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.</li> <li>We’ll now examine how this earnings beat, alongside improving digital capabilities, may influence Zions Bancorporation’s existing investment narrative and risk profile.</li> </ul><p>Trump's oil boom is here - pipelines are primed to profit. Discover the 22 US stocks riding the wave.</p><h2>Zions Bancorporation National Association Investment Narrative Recap</h2><p>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.</p> <p>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.</p> <p>But behind the strong quarter and buybacks, there is still the underappreciated risk that Zions’ concentrated Western footprint leaves investors exposed to...</p> <p>Read the full narrative on Zions Bancorporation National Association (it's free!)</p><p>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.</p><p>Uncover how Zions Bancorporation National Association's forecasts yield a $62.09 fair value, a 4% upside to its current price.</p><h2>Exploring Other Perspectives</h2><figure><img height="476" src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/d889c1c5-9dea-4ee8-95ba-c6c63daf5514/chart/quote-price?x-oss-process=image/auto-orient,1/interlace,1/resize,w_1440,h_1440/quality,q_95/format,jpg" width="746" original-src="https://imageproxy.pbkrs.com/https://images.simplywall.st/company/d889c1c5-9dea-4ee8-95ba-c6c63daf5514/chart/quote-price"/><figcaption>ZION 1-Year Stock Price Chart</figcaption></figure> <p>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.</p><p>Explore 3 other fair value estimates on Zions Bancorporation National Association - why the stock might be a potential multi-bagger!</p><h2>Build Your Own Zions Bancorporation National Association Narrative</h2><p>Disagree with existing narratives? Create your own in under 3 minutes - extraordinary investment returns rarely come from following the herd.</p><ul><li>A great starting point for your Zions Bancorporation National Association research is our analysis highlighting 5 key rewards that could impact your investment decision.</li><li>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.</li></ul><h2>Ready For A Different Approach?</h2><p>Every day counts. These free picks are already gaining attention. 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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.</em></p><div><p>Mobile Infrastructure for Defense and Disaster</p><p>The next wave in robotics isn't humanoid. Its fully autonomous towers delivering 5G, ISR, and radar in under 30 minutes, anywhere.</p><p>Get the investor briefing before the next round of contracts</p><p><span>Sponsored On Behalf of CiTech</span></p></div></div></div>

ZION

<p>Zions Bancorporation's Q3 earnings exceeded expectations, driven by higher interest rates and digital banking investments. The earnings beat and digital progress may influence its investment narrative, highlighting growth potential and risks like rising funding costs. The company projects $3.5 billion revenue by 2028, requiring 3.7% annual growth. Analysts' fair value estimates vary, suggesting diverse opinions on Zions' stock potential. Recent share repurchase plans indicate confidence in capital strength, despite concerns over credit costs and regional economic exposure.</p>

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