ZION (Zions Bancorp NA) Margin of Safety % (DCF FCF Based): 59.75% (As of Jun. 24, 2026)


ZION Zions Bancorp NA ZION
66 GF Score
Price $68.52
GF Value $53.85
Valuation Modestly Overvalued
! 6 Warning Signs
View Full Analysis

What is Zions Bancorp NA Margin of Safety % (DCF FCF Based)?

Zions Bancorp NA ZION +0.04% 66 Margin of Safety % (DCF FCF Based) is 59.75% as of Jun. 24, 2026. GuruFocus rates ZION with a GF Score™ of 66/100 and a GF Value™ of $53.85 (Modestly Overvalued). The stock has 6 warning signs investors should review.

Margin of Safety % (DCF FCF Based) = (Intrinsic Value: DCF (FCF Based) - Current Price) / Intrinsic Value: DCF (FCF Based).

Note: Discounted FCF model is only suitable for predictable companies (Business Predictability Rank higher than 1-Star). If the company's Predictability Rank is 1-Star or Not Rated, result may not be accurate due to the low predictability of business and the data will not be stored into our database.

As of today (2026-06-24), Zions Bancorp NA's Predictability Rank is 1.5-Stars. Zions Bancorp NA's intrinsic value calculated from the Discounted FCF model is $135.75 and current share price is $68.515. Consequently,

Zions Bancorp NA's Margin of Safety % (DCF FCF Based) using Discounted FCF model is 59.75%.

ZION vs SSB, ONB, BPOP: Margin of Safety % (DCF FCF Based) Comparison

For the Banks - Regional subindustry, Zions Bancorp NA's Margin of Safety % (DCF FCF Based), along with its competitors' market caps and Margin of Safety % (DCF FCF Based) 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 Margin of Safety % (DCF FCF Based) vs Banks Industry

For the Banks industry and Financial Services sector, Zions Bancorp NA's Margin of Safety % (DCF FCF Based) distribution charts can be found below:

* The bar in red indicates where Zions Bancorp NA's Margin of Safety % (DCF FCF Based) falls into.


ZION
66GF Score
Zions Bancorp NA ZION
Margin of Safety % (DCF FCF Based) is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Zions Bancorp NA Margin of Safety % (DCF FCF Based) Calculation

Zions Bancorp NA's Margin of Safety % (DCF FCF Based) for today is calculated as

Margin of Safety % (DCF FCF Based)=(Intrinsic Value: DCF (FCF Based)-Current Price)/Intrinsic Value: DCF (FCF Based)
=(170.22-68.515)/170.22
=59.75 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

The intrinsic value is calculated from the Discounted FCF model with default parameters. The calculation method is the same as Discounted Earnings model except free cash flow are used in the calculation instead of earnings per share.

What does a Margin of Safety % (DCF FCF Based) of 59.75% mean?
Zions Bancorp NA (ZION) has a Margin of Safety % (DCF FCF Based) of 59.75% as of Jun. 24, 2026. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Zions Bancorp NA.
Is Zions Bancorp NA's Margin of Safety % (DCF FCF Based) too high?
Zions Bancorp NA's current Margin of Safety % (DCF FCF Based) is 59.75%. Overall, Zions Bancorp NA has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zions Bancorp NA's Margin of Safety % (DCF FCF Based) compare to SSB and ONB?
Zions Bancorp NA's Margin of Safety % (DCF FCF Based) of 59.75% can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Margin of Safety % (DCF FCF Based) for a Banks company?
A good Margin of Safety % (DCF FCF Based) depends on the Banks industry context. However, Margin of Safety % (DCF FCF Based) should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Margin of Safety % (DCF FCF Based) mean?
A high Margin of Safety % (DCF FCF Based) can signal that a stock is expensive relative to its fundamentals. Margin of Safety % (DCF FCF Based) is the percent difference between the current price and the intrinsic DCF FCF price. View historical data on Zions Bancorp NA. Zions Bancorp NA's current Margin of Safety % (DCF FCF Based) is 59.75%. 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 Modestly Overvalued. The stock's GF Value™ is $53.85, compared to a current price of $68.52 — trading 27.2% above its estimated fair value. The current Margin of Safety % (DCF FCF Based) is 59.75%. 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 Margin of Safety % (DCF FCF Based) calculated?
Margin of Safety % (DCF FCF Based) is calculated from a company's financial statements. For Zions Bancorp NA (ZION), the current Margin of Safety % (DCF FCF Based) is 59.75% as of Jun. 24, 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 $68.52 is trading 27.2% above its estimated GF Value™ of $53.85. GuruFocus considers Zions Bancorp NA to be Modestly Overvalued.

Key valuation signals for ZION:

  • Margin of Safety % (DCF FCF Based): 59.75%
  • GF Value™: $53.85 vs. price of $68.52 (27.2% above fair value)
  • GF Score™: 66/100 with 6 warning signs

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 NA Business Description

Address One South Main Street, Salt Lake City, UT, USA, 84133-1109
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

Get the complete analysis for ZION

Margin of Safety % (DCF FCF Based) is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$68.52
Price
$53.85
GF Value