Return on Retained Earnings (RORE) is an indicator of a company's growth potential, it shows how much a company earns by reinvesting its retained earnings, i.e. profits after dividend payments.
Zions Bancorp NA's 3-Year RORE % for the quarter that ended in Mar. 2026 was 23.49%.
The industry rank for Zions Bancorp NA's 3-Year RORE % or its related term are showing as below:
ZION's 3-Year RORE % is ranked better than 75.44% of 1470
companies
in the Banks industry
Industry Median: 9.875
vs ZION: 23.49
Zions Bancorp NA (NAS:ZION) 3-Year RORE % Explanation
Return on Retained Earnings (RORE) is important to investors because it reveals a company's efficiency and growth potential. A higher RORE indicates a higher return. A high RORE indicates that the company should reinvest profits into the business. A lower RORE suggests that the company should distribute profits to shareholders by paying out dividends, since those dollars aren't generating much additional growth for the company.
There are a several different ways to arrive at the Return on Retained Earnings. The simplest way to calculate it is by using published information on Earnings per Share (EPS) and Dividend per Share (DPS) over a selected period. Here, 3-year period is chosen.
Be Aware
Please keep in mind that the RORE is relative to the nature of the business and its competitors. If another company in the same sector is producing a lower return on retained earnings, it doesn’t necessarily mean it’s a bad investment. It may just suggest the company is older and no longer in a high growth stage. At such a stage in the business cycle, it would be expected to see a lower RORE and higher dividend payout.
Zions Bancorp NA 3-Year RORE % Related Terms
Zions Bancorp NA 3-Year RORE % Historical Data
* Premium members only.
The historical data trend for Zions Bancorp NA's 3-Year RORE % can be seen below:
* 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.
For the Banks - Regional subindustry, Zions Bancorp NA's 3-Year RORE %, along with its competitors' market caps and 3-Year RORE % 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 RORE % vs Banks Industry
For the Banks industry and Financial Services sector, Zions Bancorp NA's 3-Year RORE % distribution charts can be found below:
* The bar in red indicates where Zions Bancorp NA's 3-Year RORE % falls into.
* 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.
In the calculation of 3-Year RORE %, the most recent and first period EPS (Diluted) is the trailing twelve months (TTM) data ended in Mar. 2026 and 3-year before.
Zions Bancorp NA (ZION) has a 3-Year RORE % of 23.49 as of Mar. 2026. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Zions Bancorp NA and its competitors. According to the industry distribution chart, Zions Bancorp NA ranks #361 out of 1470 companies in the Banks industry, placing it in the top 24.6%.
Is Zions Bancorp NA's 3-Year RORE % too high?
Zions Bancorp NA's current 3-Year RORE % is 23.49. The Banks industry median 3-Year RORE % is 9.88. Zions Bancorp NA's value of 23.49 is 137.9% above this industry median. Based on the distribution chart, Zions Bancorp NA ranks #361 out of 1470 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 Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zions Bancorp NA's 3-Year RORE % compare to ONB and SSB?
According to the Banks industry distribution chart, Zions Bancorp NA ranks #361 out of 1470 companies for 3-Year RORE %. This places Zions Bancorp NA in the top 25% of its industry — outperforming the majority of peers. The industry median 3-Year RORE % is 9.88. Zions Bancorp NA's value of 23.49 is 137.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good 3-Year RORE % for a Banks company?
The median 3-Year RORE % among Banks companies is 9.88, based on 1,470 companies in the industry. Companies in the top quartile (top 25%) have a 3-Year RORE % significantly above this median, while those in the bottom quartile fall well below. However, 3-Year RORE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zions Bancorp NA's current 3-Year RORE % of 23.49 is 137.9% 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 RORE % mean?
A high 3-Year RORE % can signal that a stock is expensive relative to its fundamentals. 3-Year RORE % shows how much a company earns by reinvesting its retained earnings in 3-year. View historical data on Zions Bancorp NA and its competitors. For the Banks industry, the median 3-Year RORE % is 9.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zions Bancorp NA's current 3-Year RORE % is 23.49. 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 Significantly Overvalued. The stock's GF Value™ is $53.89, compared to a current price of $70.70 — trading 31.2% above its estimated fair value. The current 3-Year RORE % is 23.49 and 137.9% above the Banks industry median of 9.88. 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 RORE % calculated?
3-Year RORE % is calculated from a company's financial statements. For Zions Bancorp NA (ZION), the current 3-Year RORE % is 23.49 as of Mar. 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 $70.70 is trading 31.2% above its estimated GF Value™ of $53.89.
GuruFocus considers Zions Bancorp NA to be Significantly Overvalued.
Key valuation signals for ZION:
3-Year RORE %: 23.49
GF Value™: $53.89 vs. price of $70.70 (31.2% above fair value)
Industry Position: 137.9% above the Banks median (#361 of 1470)
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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3-Year RORE % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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