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Zions Bancorp NAZION -0.69%66 3-Year Book Growth Rate is 17.20% as of Jun. 2026, which is 122% above its 10-year median of 7.75. GuruFocus rates ZION with a GF Score™ of 66/100 and a GF Value™ of $60.51 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,486 Banks companies, Zions Bancorp NA ranks better than 84.52% on this metric.
During the past 12 months, Zions Bancorp NA's average Book Value per Share Growth Rate was 17.90% per year.
During the past 3 years, the average Book Value per Share Growth Rate was 17.20% per year.
During the past 5 years, the average Book Value per Share Growth Rate was 0.50% per year.
During the past 10 years, the average Book Value per Share Growth Rate was 2.10% per year.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
During the past 13 years, the highest 3-Year average Book Value per Share Growth Rate of Zions Bancorp NA was 35.90% per year. The lowest was -18.90% per year. And the median was 7.75% per year.
Zions Bancorp NA (NAS:ZION) 3-Year Book Growth Rate Explanation
Book Value per Share is the ratio of equity available to common shareholders divided by the shares outstanding. Book value per share effectively indicates a firm's net asset value on a per-share basis. It can be used by investors to gauge whether a stock price is undervalued by comparing it to the firm's market value per share. Theoretically, it is what the shareholders will receive if the company is liquidated.
Zions Bancorp NA 3-Year Book Growth Rate Related Terms
ZION vs ONB, CFR, SSB: 3-Year Book Growth Rate Comparison
For the Banks - Regional subindustry, Zions Bancorp NA's 3-Year Book Growth Rate, along with its competitors' market caps and 3-Year Book Growth Rate data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zions Bancorp NA 3-Year Book Growth Rate vs Banks Industry
For the Banks industry and Financial Services sector, Zions Bancorp NA's 3-Year Book Growth Rate distribution charts can be found below:
* The bar in red indicates where Zions Bancorp NA's 3-Year Book Growth Rate falls into.
Zions Bancorp NA 3-Year Book Growth Rate Calculation
This is the 3-year average growth rate of Book Value per Share. The growth rate is calculated using exponential compounding based on the latest four year annual data.
Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the average Book Value per Share growth rate.
What does a 3-Year Book Growth Rate of 17.20% mean?
Zions Bancorp NA (ZION) has a 3-Year Book Growth Rate of 17.20% as of Jun. 2026. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Zions Bancorp NA and its competitors. This is 122% above median its historical median of 7.75. According to the industry distribution chart, Zions Bancorp NA ranks #230 out of 1486 companies in the Banks industry, placing it in the top 15.5%.
Is Zions Bancorp NA's 3-Year Book Growth Rate too high?
Zions Bancorp NA's current 3-Year Book Growth Rate of 17.20% is 122% above median its 10-year median of 7.75. The Banks industry median 3-Year Book Growth Rate is 8.80. Zions Bancorp NA's value of 17.20% is 95.5% above this industry median. Based on the distribution chart, Zions Bancorp NA ranks #230 out of 1486 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Zions Bancorp NA has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Zions Bancorp NA's 3-Year Book Growth Rate compare to ONB and CFR?
According to the Banks industry distribution chart, Zions Bancorp NA ranks #230 out of 1486 companies for 3-Year Book Growth Rate. This places Zions Bancorp NA in the top 16% of its industry — outperforming the majority of peers. The industry median 3-Year Book Growth Rate is 8.80. Zions Bancorp NA's value of 17.20% is 95.5% above this benchmark. While the company's 10-year median is 7.75 vs. the industry median of 8.80, Zions Bancorp NA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year Book Growth Rate for a Banks company?
The median 3-Year Book Growth Rate among Banks companies is 8.80, based on 1,486 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year Book Growth Rate significantly above this median, while those in the bottom quartile fall well below. However, 3-Year Book Growth Rate should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zions Bancorp NA's current 3-Year Book Growth Rate of 17.20% is 95.5% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high 3-Year Book Growth Rate mean?
A high 3-Year Book Growth Rate can signal that a stock is expensive relative to its fundamentals. 3-Year Book Growth Rate is the 3-year average growth rate of Book Value per Share. View historical data for Zions Bancorp NA and its competitors. For the Banks industry, the median 3-Year Book Growth Rate is 8.80 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zions Bancorp NA's current 3-Year Book Growth Rate is 17.20%, which is 122% above median its own 10-year median of 7.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zions Bancorp NA stock overvalued right now?
Based on GuruFocus' analysis, Zions Bancorp NA (ZION) is currently considered Fairly Valued. The stock's GF Value™ is $60.51, compared to a current price of $64.78 — trading 7.1% above its estimated fair value. The current 3-Year Book Growth Rate is 17.20%, which is 122% above median its 10-year median of 7.75 and 95.5% above the Banks industry median of 8.80. Zions Bancorp NA's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is 3-Year Book Growth Rate calculated?
3-Year Book Growth Rate is calculated from a company's financial statements. For Zions Bancorp NA (ZION), the current 3-Year Book Growth Rate is 17.20% as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Zions Bancorp NA (ZION) Overvalued in 2026?
Based on GuruFocus' analysis, Zions Bancorp NA stock appears to be overvalued.
The current stock price of $64.78 is trading 7.1% above its estimated GF Value™ of $60.51.
GuruFocus considers Zions Bancorp NA to be Fairly Valued.
Key valuation signals for ZION:
3-Year Book Growth Rate: 17.20% (122% above median its 10-year median of 7.75)
GF Value™: $60.51 vs. price of $64.78 (7.1% above fair value)
Industry Position: 95.5% above the Banks median (#230 of 1486)
No single metric tells the full story. See the ZION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zions Bancorp is a US regional bank with around $90 billion in total assets as of March 31, 2026. Headquartered in Salt Lake City, Utah, Zions' branch network is in the Western and Southwestern United States and includes seven affiliate banks in these markets. The bank has a heavy focus on small and midsize commercial banking.
66GF Score
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