📊 AI Stock Rating — Summary

ZION reported a revenue of approximately $1.25 billion for Q3 2025, with a net income of $222 million and an EPS of $1.5. The company's net profit margin stands at roughly 17.7%, a respectable indicator of profitability in the narrowing revenue context. Free cash flow data for Q3 is unavailable, but prior quarters indicate fluctuating cash generation, with FCF recorded negatively in Q2 2025. Year-over-year, revenue stability appears challenged, with a slight reduction from $1.255 billion in Q4 2024. ZION's balance sheet shows a net debt position of approximately $4.46 billion against total assets of $88.53 billion, reflecting increasing leverage compared to net debt of $866 million at the end of 2024. Asset levels remain relatively stable but with fluctuating equity, suggesting some volatility. Dividends remain consistent at about $0.43 to $0.45 per share quarterly. Analyst price targets ranging from $55 to $70 indicate potential price appreciation opportunities against the backdrop of mixed financial results. Overall, while ZION maintains profitability and continues shareholder dividends, challenges in revenue growth and cash flow generation could impact future momentum.

AI Score Breakdown

Revenue Growth — Score: 5/10

Revenue shows slight fluctuation over the past year with minor declines. Q3 2025 revenue was $1.253 billion compared to $1.255 billion in Q4 2024, suggesting stable yet stagnant growth.

Profitability — Score: 7/10

Net income and EPS indicate solid profitability, with stable net margins around 17.7%. EPS fluctuates slightly but remains strong over four quarters.

Cash Flow Quality — Score: 4/10

Free cash flow turned negative in Q2 2025 but was positive in previous quarters. Cash flow from operations fell significantly, indicating potential liquidity challenges.

Leverage & Balance Sheet — Score: 5/10

Net debt increased significantly to $4.46 billion, showing increased financial leverage. Total equity improved but remains relatively low against liabilities.

Shareholder Returns — Score: 5/10

Consistent dividends supported shareholder value, but missing buybacks and stagnant price change over the recent period result in neutral return scores.

Analyst Sentiment & Valuation — Score: 6/10

Analyst price targets suggest upside potential, though valuation metrics such as P/E and FCF yield were unavailable to fully evaluate relative value.

⚠ AI-generated — informational only, not financial advice.