MEDIUM confidence: 100% data completeness, but the composite (58) sits in the indecisive 30–70 range — strong-buy and short calls require a more decisive composite. What does confidence mean?
Technical context for active traders — derived from price, the 50/200-day moving averages, the 52-week range, and recent volume. Not part of the QScore.
Fama-French 5-factor (2×3) + Momentum, monthly OLS with Newey-West errors. Bars show signed factor betas; faded bars/figures aren't statistically significant.
Dated events from the market calendar; the “also watch” items are AI-generated observations from QScoring data. Informational only — not investment advice, and dates can change.
AI classification of policy/regulatory sensitivity from the company's sector, industry, and business description. Exposure/sensitivity only — not a political opinion, a prediction of government action, or investment advice. As of 2026-07-10.
Avg target $77 (last qtr, 10 analysts) → $78 (last mo, 6) (+1.8%).
Buy-rated share 33% → 32% over ~3 months (-2pp).
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jul 2026 | $1.57 | $3.05 | +94.3% |
| Apr 2026 | $1.42 | $1.56 | +9.9% |
| Jan 2026 | $1.57 | $1.75 | +11.5% |
| Oct 2025 | $1.46 | $1.54 | +5.5% |
| Jul 2025 | $1.31 | $1.58 | +20.6% |
| Apr 2025 | $1.19 | $1.24 | +4.2% |
| Jan 2025 | $1.25 | $1.34 | +7.2% |
| Oct 2024 | $1.17 | $1.37 | +17.1% |
| Metric (USD) | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|
| Revenue | $3.0B— | $3.3B+12.4% | $4.6B+38.6% | $5.0B+8.0% | $4.9B-1.0% |
| EPS (dil.) | $6.79— | $5.79-14.7% | $4.35-24.9% | $4.95+13.8% | $6.01+21.4% |
| Free Cash Flow | $423M— | $1.3B+202.6% | $772M-39.7% | $1.1B+36.1% | $981M-6.7% |
| Gross Margin | 107.3% | 90.8%-16.5pp | 64.5%-26.3pp | 61.2%-3.3pp | 67.1%+5.8pp |
| Operating Margin | 48.7% | 34.5%-14.2pp | 19.2%-15.4pp | 20.3%+1.1pp | 23.8%+3.5pp |
| Net Margin | 38.0% | 27.2%-10.8pp | 14.7%-12.5pp | 15.7%+1.0pp | 18.2%+2.5pp |
Absolute figures with year-over-year change. Margins show the level with the change in percentage points (pp). “n/m” = not meaningful (prior ≤ 0); ⚠ marks a large percentage off a small base — read the dollar figure.
Net buyback (repurchases less issuance) ÷ market cap, plus trailing dividend yield.
Net insider -$6.3M over 180 days (1 open-market buys, 12 sells). Insider buying is the informative signal; routine selling is normal.
Short interest, days-to-cover, and institutional-ownership change require a data-plan upgrade (not yet available).
Forward-return IC, quintile spread & hit rate publish on /performance as the tracking panel accrues enough no-look-ahead history.
Working the DCF backward: holding the assumptions below, this is the free-cash-flow growth today's price implies over the next 10 years. It is a read on the price's embedded expectations — not a fair-value or target price.
The price implies FCF growth below the analyst consensus of 5.7%/yr (revenue basis).
Base free cash flow $935M (avg FY2023–FY2025; latest year $981M) · equity value $10.4B · levered FCF discounted at the cost of equity. Reverse DCF is illustrative, not advice.
The QScore of 58 for Zions Bancorporation indicates a relatively neutral outlook, with the short-term score slightly outpacing the long-term score. ZION scores high on momentum, driven by a 34% return over the past year and a bullish moving average trend, as well as on risk, with a beta below 1. However, the stock's growth score is weighed down by negative revenue and free cash flow growth. The company trades at a relatively low valuation, with a P/E of 9.1 and P/B of 1.4, which supports its value score.