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CBSH vs ZION
Which Stock Would AI Choose? Commerce Bancshares (CBSH) vs. Zions Bancorporation (ZION) Stock Comparison
Key Takeaways
- CBSH and ZION are both regional banks with stable business models focused on commercial lending and deposit gathering in the U.S. Midwest and Western markets, respectively.
- Over recent weeks, ZION has shown stronger year-to-date momentum with returns exceeding 20%, compared to CBSH's more moderate gains around 12%.
- Both stocks trade near their 52-week highs amid broader banking sector stability, supported by analyst price target upgrades and earnings beats in the first quarter of 2026.
- CBSH benefits from recent acquisitions and portfolio adjustments, while ZION demonstrates resilience in net interest income despite minor misses on some metrics.
- Risk profiles remain comparable, with low betas indicating defensive characteristics relative to the broader market, though sector exposure to interest rates influences both.
- Market sentiment favors both names for their consistent performance, with ZION exhibiting slightly more pronounced recent price appreciation.
Introduction
Regional banks such as Commerce Bancshares (CBSH) and Zions Bancorporation (ZION) offer investors exposure to commercial banking activities, including lending, deposits, and fee-based services. This comparison examines their recent stock behavior, business fundamentals, and relative positioning in the current market environment. Traders and long-term investors focused on the financial sector, particularly those evaluating stability versus growth potential within regional banking, may find the analysis relevant for portfolio allocation decisions.
CBSH Overview and Recent Performance
Commerce Bancshares, Inc. operates as a regional bank holding company providing commercial, consumer, and wealth management services primarily in the Midwest. In recent market activity, the stock has advanced to approximately $58.37, reflecting a year-to-date return of about 12.71%. Performance over the past month showed gains near 10.73%, supported by first-quarter 2026 earnings per share (EPS) that exceeded consensus estimates. Key developments include an acquisition of Nolan & Associates and multiple analyst price target increases, contributing to positive sentiment. The shares trade near the upper end of their 52-week range, with a low beta underscoring defensive qualities amid interest rate fluctuations.
ZION Overview and Recent Performance
Zions Bancorporation, National Association functions as a regional bank with operations concentrated in the Western United States, emphasizing commercial lending and deposit services. Recent market activity has lifted the stock to around $70.66, delivering year-to-date returns exceeding 20%. The shares have posted notable appreciation over recent weeks, approaching the 52-week high of $71.26. First-quarter 2026 results featured an EPS beat alongside steady net interest income growth, despite a minor shortfall versus some estimates. Analyst upgrades and favorable positioning in a stabilizing rate environment have bolstered sentiment, with the stock demonstrating resilience and trading close to recent peaks.
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Head-to-Head Comparison
Both Commerce Bancshares (CBSH) and Zions Bancorporation (ZION) maintain traditional regional bank models centered on net interest income (NII) from loans and deposits, with limited international exposure. Growth drivers differ modestly: CBSH has pursued targeted acquisitions and securities portfolio realignments, while ZION emphasizes scale in Western markets. Recent momentum favors ZION, with stronger year-to-date and shorter-term returns compared to CBSH’s steadier but less aggressive advances. Risk factors include shared sensitivities to interest rate changes and credit quality, though both exhibit low betas for relative stability. Sector exposure remains domestic and commercial-focused for each. Market sentiment reflects broad analyst support, with ZION showing comparatively higher recent price appreciation and CBSH benefiting from consistent dividend yields and share repurchase activity.
Tickeron AI Verdict
Based on observable factors such as trend consistency, recent momentum, and relative positioning, Tickeron’s AI would likely favor Zions Bancorporation (ZION) in the current environment. Stronger year-to-date performance and proximity to 52-week highs suggest more consistent upward trajectory, though CBSH offers comparable stability through acquisitions and earnings resilience. This assessment remains probabilistic and tied to prevailing data patterns rather than guarantees.
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.
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 CBSH is a Buy 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).
CBSH’s FA Score shows that 1 FA rating(s) are green whileZION’s FA Score has 2 green FA rating(s).
- CBSH’s FA Score: 1 green, 4 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.
CBSH’s TA Score shows that 4 TA indicator(s) are bullish while ZION’s TA Score has 2 bullish TA indicator(s).
- CBSH’s TA Score: 4 bullish, 4 bearish.
- ZION’s TA Score: 2 bullish, 5 bearish.
Price Growth
CBSH (@Regional Banks) experienced а -0.43% price change this week, while ZION (@Regional Banks) price change was -0.34% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was -0.58%. For the same industry, the average monthly price growth was +2.41%, and the average quarterly price growth was +15.22%.
Reported Earning Dates
CBSH is expected to report earnings on Jul 16, 2026.
ZION is expected to report earnings on Jul 20, 2026.
Industries' Descriptions
@Regional Banks (-0.58% 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.
| CBSH | ZION | CBSH / ZION | |
| Capitalization | 8.53B | 10.3B | 83% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 12.942 | 21.978 | 59% |
| P/E Ratio | 14.37 | 10.93 | 132% |
| Revenue | 1.84B | 3.44B | 53% |
| Total Cash | 573M | 683M | 84% |
| Total Debt | 8.05M | 1.96B | 0% |
CBSH | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 39 | 80 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 72 Overvalued | 68 Overvalued | |
PROFIT vs RISK RATING 1..100 | 82 | 68 | |
SMR RATING 1..100 | 22 | 13 | |
PRICE GROWTH RATING 1..100 | 47 | 19 | |
P/E GROWTH RATING 1..100 | 64 | 53 | |
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.
ZION's Valuation (68) in the Regional Banks industry is in the same range as CBSH (72). This means that ZION’s stock grew similarly to CBSH’s over the last 12 months.
ZION's Profit vs Risk Rating (68) in the Regional Banks industry is in the same range as CBSH (82). This means that ZION’s stock grew similarly to CBSH’s over the last 12 months.
ZION's SMR Rating (13) in the Regional Banks industry is in the same range as CBSH (22). This means that ZION’s stock grew similarly to CBSH’s over the last 12 months.
ZION's Price Growth Rating (19) in the Regional Banks industry is in the same range as CBSH (47). This means that ZION’s stock grew similarly to CBSH’s over the last 12 months.
ZION's P/E Growth Rating (53) in the Regional Banks industry is in the same range as CBSH (64). This means that ZION’s stock grew similarly to CBSH’s over the last 12 months.
| CBSH | ZION | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 71% | 1 day ago 78% |
| Stochastic ODDS (%) | 1 day ago 53% | 1 day ago 62% |
| Momentum ODDS (%) | 6 days ago 56% | N/A |
| MACD ODDS (%) | 1 day ago 60% | 1 day ago 66% |
| TrendWeek ODDS (%) | 1 day ago 57% | 1 day ago 63% |
| TrendMonth ODDS (%) | 1 day ago 46% | 1 day ago 64% |
| Advances ODDS (%) | 1 day ago 49% | 4 days ago 68% |
| Declines ODDS (%) | N/A | 26 days ago 68% |
| BollingerBands ODDS (%) | 1 day ago 61% | 1 day ago 76% |
| Aroon ODDS (%) | 1 day ago 44% | 1 day ago 62% |
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CBSH and
Correlation & Price change
A.I.dvisor indicates that over the last year, CBSH has been closely correlated with ZION. These tickers have moved in lockstep 82% of the time. This A.I.-generated data suggests there is a high statistical probability that if CBSH jumps, then ZION could also see price increases.
| Ticker / NAME | Correlation To CBSH | 1D Price Change % | ||
|---|---|---|---|---|
| CBSH | 100% | +0.21% | ||
| ZION - CBSH | 82% Closely correlated | -0.42% | ||
| UCB - CBSH | 81% Closely correlated | -0.03% | ||
| UBSI - CBSH | 81% Closely correlated | +0.09% | ||
| HWC - CBSH | 81% Closely correlated | +0.70% | ||
| SSB - CBSH | 81% Closely correlated | +0.76% | ||
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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 90% 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% | -0.42% | ||
| FNB - ZION | 90% Closely correlated | +0.53% | ||
| ONB - ZION | 88% Closely correlated | +0.44% | ||
| CFG - ZION | 87% Closely correlated | +0.03% | ||
| KEY - ZION | 87% Closely correlated | -0.34% | ||
| ASB - ZION | 86% Closely correlated | +0.56% | ||
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