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BAP vs ZION
Which Stock Would AI Choose? Credicorp Ltd. (BAP) vs. Zions Bancorporation, National Association (ZION) Stock Comparison
Key Takeaways
- BAP has delivered superior long-term performance with over 90% one-year returns, far outpacing ZION's approximately 14% gain.
- Recent market activity shows volatility for both, with BAP trading near 52-week highs around $334 and ZION around $57 amid broader sector pressures.
- BAP benefits from diversified operations in Latin America, including banking, insurance, and microfinance, while ZION focuses on U.S. regional banking in the West and Southwest.
- Year-to-date, BAP leads with about 16% gains compared to ZION's modest 4% rise.
- Both stocks reflect regional banking dynamics, but BAP shows stronger momentum and ROE targets around 19.5%.
Introduction
This stock comparison examines BAP and ZION, two financial institutions operating in distinct regional markets. BAP, a Peruvian financial services holding company, offers broad exposure to Latin American banking, insurance, and microfinance. ZION, a U.S.-based regional bank, serves commercial and retail clients across 11 western states. Traders seeking international diversification versus domestic stability, or investors tracking relative performance in financials amid interest rate shifts and economic volatility, will find value in analyzing their business models, recent momentum, and market positioning. This analysis draws on current data from sources like Yahoo Finance and MarketWatch for objective insights into their stock comparison.
BAP Overview and Recent Performance
Credicorp Ltd. (BAP), headquartered in Lima, Peru, operates through universal banking, insurance, pensions, microfinance, and wealth management segments across Latin America. Founded in 1889, it serves over 18 million customers with digital platforms like Yape driving growth. Recent market activity has seen BAP shares fluctuate around $334, down slightly from a 52-week high of $380 but up over 90% in the past year and 16% year-to-date. Sentiment remains positive following Q4 2025 earnings with revenue beats and reaffirmed targets for 19.5% ROE and loan growth, bolstered by digital transformation and governance updates ahead of the 2026 AGM. Broader economic stability in Peru and regional expansion have supported resilient performance amid global volatility.
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION), based in Salt Lake City, Utah, provides retail, commercial banking, and mortgage services across 11 western U.S. states with about $89 billion in assets. Recent weeks have pressured shares to around $57, reflecting a year-to-date gain of roughly 4% and 14% over one year, trailing broader indices in spots but showing stability post-Q4 2025 earnings beat ($1.76 EPS vs. $1.57 expected). Key influences include deposit growth, efficiency improvements (60.6% ratio), and awards for client service, alongside executive changes and senior notes issuance. U.S. regional banking headwinds like interest rate sensitivity and economic data have tempered momentum, though operating leverage persists.
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Head-to-Head Comparison
BAP and ZION both anchor regional financial services but diverge in scope: BAP's multi-segment model spans Latin America for growth via microfinance and insurance, contrasting ZION's U.S.-centric focus on commercial lending and deposits. Momentum favors BAP with 90%+ one-year gains versus ZION's 14%, driven by stronger ROE and digital catalysts, though recent pullbacks highlight shared rate risks. ZION offers lower volatility and U.S. sector exposure, with recent efficiency gains, but faces domestic economic pressures. Risk trade-offs include BAP's emerging market currency exposure versus ZION's regulatory familiarity; sentiment tilts toward BAP for relative outperformance.
Tickeron AI Verdict
Tickeron’s AI currently favors BAP due to its consistent trend strength, superior year-over-year returns exceeding 90%, and positive catalysts like digital scaling and high ROE targets. While ZION demonstrates stability through earnings beats and deposit growth, BAP's relative positioning in growth-oriented markets suggests higher probabilistic upside in the near term, based on observable momentum and sector dynamics.
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 BAP is a StrongBuy and ZION is a Buy.
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).
BAP’s FA Score shows that 3 FA rating(s) are green whileZION’s FA Score has 2 green FA rating(s).
- BAP’s FA Score: 3 green, 2 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.
BAP’s TA Score shows that 4 TA indicator(s) are bullish while ZION’s TA Score has 4 bullish TA indicator(s).
- BAP’s TA Score: 4 bullish, 5 bearish.
- ZION’s TA Score: 4 bullish, 5 bearish.
Price Growth
BAP (@Regional Banks) experienced а +3.64% price change this week, while ZION (@Regional Banks) price change was +6.26% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.92%. For the same industry, the average monthly price growth was +5.67%, and the average quarterly price growth was +19.36%.
Reported Earning Dates
BAP is expected to report earnings on May 14, 2026.
ZION is expected to report earnings on Apr 20, 2026.
Industries' Descriptions
@Regional Banks (+2.92% 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.
| BAP | ZION | BAP / ZION | |
| Capitalization | 28B | 9.08B | 308% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 22.777 | 6.278 | 363% |
| P/E Ratio | 14.14 | 10.28 | 138% |
| Revenue | 23.3B | 3.39B | 688% |
| Total Cash | N/A | 771M | - |
| Total Debt | 23.5B | 3.47B | 677% |
BAP | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 77 | 17 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 77 Overvalued | 86 Overvalued | |
PROFIT vs RISK RATING 1..100 | 5 | 80 | |
SMR RATING 1..100 | 5 | 9 | |
PRICE GROWTH RATING 1..100 | 39 | 24 | |
P/E GROWTH RATING 1..100 | 23 | 47 | |
SEASONALITY SCORE 1..100 | 50 | 50 |
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.
BAP's Valuation (77) in the Regional Banks industry is in the same range as ZION (86). This means that BAP’s stock grew similarly to ZION’s over the last 12 months.
BAP's Profit vs Risk Rating (5) in the Regional Banks industry is significantly better than the same rating for ZION (80). This means that BAP’s stock grew significantly faster than ZION’s over the last 12 months.
BAP's SMR Rating (5) in the Regional Banks industry is in the same range as ZION (9). This means that BAP’s stock grew similarly to ZION’s over the last 12 months.
ZION's Price Growth Rating (24) in the Regional Banks industry is in the same range as BAP (39). This means that ZION’s stock grew similarly to BAP’s over the last 12 months.
BAP's P/E Growth Rating (23) in the Regional Banks industry is in the same range as ZION (47). This means that BAP’s stock grew similarly to ZION’s over the last 12 months.
| BAP | ZION | |
|---|---|---|
| RSI ODDS (%) | N/A | 1 day ago 70% |
| Stochastic ODDS (%) | 1 day ago 48% | 1 day ago 71% |
| Momentum ODDS (%) | 1 day ago 70% | 1 day ago 70% |
| MACD ODDS (%) | 1 day ago 70% | 1 day ago 81% |
| TrendWeek ODDS (%) | 1 day ago 70% | 1 day ago 67% |
| TrendMonth ODDS (%) | 1 day ago 69% | 1 day ago 63% |
| Advances ODDS (%) | 1 day ago 69% | 1 day ago 65% |
| Declines ODDS (%) | 4 days ago 61% | 29 days ago 69% |
| BollingerBands ODDS (%) | 1 day ago 46% | 1 day ago 66% |
| Aroon ODDS (%) | 1 day ago 51% | 1 day ago 66% |
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