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ASB vs ZION
Which Stock Would AI Choose? Associated Banc-Corp (ASB) vs. Zions Bancorporation (ZION) Stock Comparison
Key Takeaways
- Both ASB and ZION have demonstrated strong relative performance as regional banks, with year-to-date gains of approximately 10% for ASB and 8% for ZION.
- ASB trades at a trailing P/E ratio of 9.77 with a higher dividend yield of 3.35%, compared to ZION's 9.72 P/E and 2.87% yield.
- Recent quarterly results show robust earnings, with ASB at $0.70 EPS and ZION at $1.56 EPS, supported by net interest income (NII, revenue from interest-earning assets minus interest expenses) growth.
- Capital positions remain solid, highlighted by ZION's CET1 (common equity tier 1 capital ratio, a key measure of bank capital strength) at 11.5% and ASB's Tier 1 leverage ratio at 8.98%.
- Low betas around 0.78-0.80 indicate lower volatility relative to the market, appealing for income-focused investors.
Introduction
This stock comparison examines ASB and ZION, two regional banks navigating a stabilizing interest rate environment and recovering deposit bases. Both operate in the competitive U.S. banking sector, offering insights into relative performance, valuation, and risk profiles. Investors seeking diversified exposure to regional banking, with focuses on dividend income, capital strength, and momentum, will find value in understanding their contrasts. Recent market activity has highlighted resilience amid broader economic shifts, making this analysis timely for portfolio positioning and stock comparison strategies.
ASB Overview and Recent Performance
Associated Banc-Corp (ASB), headquartered in Green Bay, Wisconsin, is a regional bank holding company serving the Midwest through commercial, retail, and wealth management services. Its loan portfolio, recently at $31.8 billion, supports diverse lending including commercial real estate and residential mortgages. In recent quarters, ASB reported net income available to common equity of $117 million, or $0.70 per share, bolstering positive sentiment. The stock has climbed near its 52-week high of $29.52, reflecting year-to-date gains of 10.28% and a market cap of $5.3 billion. Influences include stabilizing net charge-offs (NCO, losses from uncollectible loans) and a Tier 1 leverage ratio of 8.98%, signaling capital adequacy amid easing rates.
ZION Overview and Recent Performance
Zions Bancorporation (ZION), based in Salt Lake City, Utah, operates across Western states via brands like Zions Bank and Amegy Bank, emphasizing commercial banking, real estate lending, and wealth management. Recent quarters featured net earnings of $232 million, or $1.56 diluted EPS, with NII rising 6% to $662 million and net interest margin (NIM, NII as percentage of interest-earning assets) expanding to 3.27%. Trading near its 52-week high of $66.18 with a $9.2 billion market cap, ZION has posted year-to-date returns of 7.72%. Sentiment benefits from a CET1 ratio of 11.5% and growth in noninterest income, though a slight revenue miss tempered immediate gains in recent market activity.
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Head-to-Head Comparison
Both ASB and ZION follow similar business models as regional banks focused on commercial lending and deposits, but ASB concentrates on Midwest markets while ZION targets the West, exposing them to distinct regional economic drivers. Growth stems from loan expansion and fee income, with ZION showing stronger NII momentum. Recent momentum favors ASB on YTD returns, though both hover near 52-week highs. Risk factors include interest rate sensitivity and NCO levels, mitigated by low betas and robust capital ratios—ZION's higher CET1 versus ASB's leverage metric. Market sentiment leans positive for both, with analyst targets suggesting upside, balancing stability against growth trade-offs in the regional banking sector.
Tickeron AI Verdict
Tickeron’s AI currently favors ASB over ZION based on superior year-to-date momentum, higher dividend yield, and consistent trend positioning near recent highs. Factors like lower volatility and solid Q1 capital metrics enhance its relative stability, though ZION offers compelling scale and earnings growth potential. This probabilistic edge aligns with observable patterns in regional bank relative performance.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer. Disclaimers and Limitations
To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is ASB is a Buy and ZION is a StrongBuy.
Long-Term Analysis
It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).
ASB’s FA Score shows that 2 FA rating(s) are green whileZION’s FA Score has 2 green FA rating(s).
- ASB’s FA Score: 2 green, 3 red.
- ZION’s FA Score: 2 green, 3 red.
Short-Term Analysis
It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.
If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.
ASB’s TA Score shows that 5 TA indicator(s) are bullish while ZION’s TA Score has 4 bullish TA indicator(s).
- ASB’s TA Score: 5 bullish, 4 bearish.
- ZION’s TA Score: 4 bullish, 4 bearish.
Price Growth
ASB (@Regional Banks) experienced а +0.55% price change this week, while ZION (@Regional Banks) price change was +1.27% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.31%. For the same industry, the average monthly price growth was +5.68%, and the average quarterly price growth was +13.55%.
Reported Earning Dates
ASB is expected to report earnings on Jul 23, 2026.
ZION is expected to report earnings on Jul 20, 2026.
Industries' Descriptions
@Regional Banks (+1.31% weekly)Regional banks have a smaller reach than major banks, and cater mostly to one region of a country, such as a state or within a group of states. They offer services often similar – albeit with some limitations/smaller scale – compared to major banks. Taking deposits, making loans, mortgages, leases, credit cards , fund management, insurance and investment banking. SunTrust Banks, State Street Corp., M&T Bank Corp. are some examples of U.S. regional banks.
| ASB | ZION | ASB / ZION | |
| Capitalization | 5.65B | 10.1B | 56% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 16.101 | 16.343 | 99% |
| P/E Ratio | 10.20 | 10.42 | 98% |
| Revenue | 1.52B | 3.44B | 44% |
| Total Cash | 465M | 683M | 68% |
| Total Debt | 4.01B | 1.96B | 204% |
ASB | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 29 | 39 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 25 Undervalued | 64 Fair valued | |
PROFIT vs RISK RATING 1..100 | 42 | 73 | |
SMR RATING 1..100 | 22 | 13 | |
PRICE GROWTH RATING 1..100 | 44 | 18 | |
P/E GROWTH RATING 1..100 | 97 | 45 | |
SEASONALITY SCORE 1..100 | 50 | 90 |
Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.
ASB's Valuation (25) in the Regional Banks industry is somewhat better than the same rating for ZION (64). This means that ASB’s stock grew somewhat faster than ZION’s over the last 12 months.
ASB's Profit vs Risk Rating (42) in the Regional Banks industry is in the same range as ZION (73). This means that ASB’s stock grew similarly to ZION’s over the last 12 months.
ZION's SMR Rating (13) in the Regional Banks industry is in the same range as ASB (22). This means that ZION’s stock grew similarly to ASB’s over the last 12 months.
ZION's Price Growth Rating (18) in the Regional Banks industry is in the same range as ASB (44). This means that ZION’s stock grew similarly to ASB’s over the last 12 months.
ZION's P/E Growth Rating (45) in the Regional Banks industry is somewhat better than the same rating for ASB (97). This means that ZION’s stock grew somewhat faster than ASB’s over the last 12 months.
| ASB | ZION | |
|---|---|---|
| RSI ODDS (%) | 2 days ago 72% | 2 days ago 72% |
| Stochastic ODDS (%) | 2 days ago 63% | 2 days ago 63% |
| Momentum ODDS (%) | 2 days ago 66% | 2 days ago 65% |
| MACD ODDS (%) | 2 days ago 66% | 2 days ago 80% |
| TrendWeek ODDS (%) | 2 days ago 60% | 2 days ago 64% |
| TrendMonth ODDS (%) | 2 days ago 56% | 2 days ago 64% |
| Advances ODDS (%) | 2 days ago 60% | 2 days ago 67% |
| Declines ODDS (%) | 23 days ago 61% | 6 days ago 68% |
| BollingerBands ODDS (%) | 2 days ago 61% | 2 days ago 67% |
| Aroon ODDS (%) | 2 days ago 52% | 2 days ago 63% |
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ASB and
Correlation & Price change
A.I.dvisor indicates that over the last year, ASB has been closely correlated with FNB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if ASB jumps, then FNB could also see price increases.
ZION and
Correlation & Price change
A.I.dvisor indicates that over the last year, ZION has been closely correlated with FNB. These tickers have moved in lockstep 91% of the time. This A.I.-generated data suggests there is a high statistical probability that if ZION jumps, then FNB could also see price increases.
| Ticker / NAME | Correlation To ZION | 1D Price Change % | ||
|---|---|---|---|---|
| ZION | 100% | +1.42% | ||
| FNB - ZION | 91% Closely correlated | +0.71% | ||
| ONB - ZION | 88% Closely correlated | +0.85% | ||
| CFG - ZION | 87% Closely correlated | +1.36% | ||
| KEY - ZION | 87% Closely correlated | +1.06% | ||
| ASB - ZION | 87% Closely correlated | +0.62% | ||
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