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TFC vs ZION
Which Stock Would AI Choose? Truist Financial (TFC) vs. Zions Bancorporation (ZION) Stock Comparison
Key Takeaways
- Both TFC and ZION delivered strong first-quarter 2026 earnings beats, with TFC reporting EPS of $1.09 and ZION EPS of $1.56.
- ZION outperformed with a 16.65% gain over the recent month, compared to TFC's 12.18% rise, amid positive sector sentiment.
- TFC boasts a larger market cap of approximately $63 billion versus ZION's $9 billion, offering greater scale but potentially slower growth.
- Key metrics show TFC CET1 (Common Equity Tier 1 capital ratio) at 10.8% and ROTCE (return on tangible common equity) at 13.8%; ZION reported net interest margin expansion to 3.31%.
- Year-to-date, both stocks reflect regional bank resilience, with one-year returns near 40% for each in a stabilizing rate environment.
- Investor focus remains on deposit growth and NII (net interest income) trends for both amid broader economic shifts.
Introduction
Truist Financial (TFC) and Zions Bancorporation (ZION) represent prominent regional banks navigating a dynamic financial landscape. This stock comparison evaluates their recent performance, financial health, and market positioning, aiding traders seeking sector exposure and investors assessing relative value in banking stocks. With both benefiting from earnings momentum and interest rate stability, understanding their contrasts in scale, growth drivers, and risk profiles is key for informed decision-making in today's market.
TFC Overview and Recent Performance
Truist Financial Corporation (TFC), headquartered in Charlotte, North Carolina, operates as a major regional bank primarily in the Southeast U.S., offering retail banking, commercial services, and wealth management following the merger of BB&T and SunTrust. In recent market activity, TFC shares have climbed around 12% over the past month, trading near $50.84, supported by robust first-quarter 2026 results. Earnings per share reached $1.09, surpassing estimates, with revenue up 5.2% to $5.15 billion. Deposit growth of 1.7% year-over-year and average loans up 7% bolstered NII, while CET1 stood at a solid 10.8% and ROTCE improved to 13.8%. Sentiment has shifted positively on capital returns, including $1.8 billion to shareholders, amid favorable deposit trends and reduced nonperforming assets.
ZION Overview and Recent Performance
Zions Bancorporation, National Association (ZION), based in Salt Lake City, Utah, focuses on commercial banking across 11 Western U.S. states, emphasizing middle-market lending and treasury management. Shares have surged about 17% in the recent month, hovering around $63, driven by strong quarterly outcomes. First-quarter EPS hit $1.56, beating expectations by 9.4%, with loans and deposits expanding at a 4.1% annualized pace. Net interest margin rose to 3.31%, reflecting efficient funding amid stable deposits. Recent performance highlights resilience in credit quality and profitability, boosting market sentiment as investors weigh regional growth against broader sector dynamics.
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Head-to-Head Comparison
TFC and ZION share regional banking models but diverge in scale and geography: TFC’s Southeast footprint and $63 billion market cap enable diversified revenue, while ZION’s Western focus and smaller $9 billion cap support nimbler growth. Recent momentum favors ZION with higher monthly gains, though both exhibit similar one-year returns around 40%. Growth drivers include TFC’s deposit beta stabilization and ZION’s loan expansion. Risk factors encompass interest rate sensitivity and credit exposure, with TFC showing stronger CET1 buffers versus ZION’s NIM efficiency. Market sentiment leans positive for both on earnings strength, but trade-offs highlight TFC’s stability against ZION’s upside potential.
Tickeron AI Verdict
Tickeron’s AI models currently lean toward ZION due to superior recent momentum, faster monthly gains, and robust NIM expansion signaling stronger trend consistency in the current environment. While TFC offers scale and capital strength, ZION’s relative positioning and growth catalysts present higher probabilistic near-term outperformance potential.
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 TFC 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).
TFC’s FA Score shows that 3 FA rating(s) are green whileZION’s FA Score has 2 green FA rating(s).
- TFC’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.
TFC’s TA Score shows that 4 TA indicator(s) are bullish while ZION’s TA Score has 4 bullish TA indicator(s).
- TFC’s TA Score: 4 bullish, 6 bearish.
- ZION’s TA Score: 4 bullish, 4 bearish.
Price Growth
TFC (@Regional Banks) experienced а -0.72% price change this week, while ZION (@Regional Banks) price change was +4.81% for the same time period.
The average weekly price growth across all stocks in the @Regional Banks industry was +2.30%. For the same industry, the average monthly price growth was +7.03%, and the average quarterly price growth was +10.38%.
Reported Earning Dates
TFC is expected to report earnings on Jul 16, 2026.
ZION is expected to report earnings on Jul 20, 2026.
Industries' Descriptions
@Regional Banks (+2.30% 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.
| TFC | ZION | TFC / ZION | |
| Capitalization | 60.4B | 9.75B | 619% |
| EBITDA | N/A | N/A | - |
| Gain YTD | 0.562 | 14.922 | 4% |
| P/E Ratio | 12.00 | 10.29 | 117% |
| Revenue | 20.6B | 3.44B | 599% |
| Total Cash | 4.97B | 683M | 727% |
| Total Debt | 69.1B | 1.96B | 3,520% |
TFC | ZION | ||
|---|---|---|---|
OUTLOOK RATING 1..100 | 25 | 43 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 19 Undervalued | 63 Fair valued | |
PROFIT vs RISK RATING 1..100 | 98 | 75 | |
SMR RATING 1..100 | 7 | 13 | |
PRICE GROWTH RATING 1..100 | 21 | 13 | |
P/E GROWTH RATING 1..100 | 53 | 44 | |
SEASONALITY SCORE 1..100 | 44 | 75 |
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.
TFC's Valuation (19) in the null industry is somewhat better than the same rating for ZION (63) in the Regional Banks industry. This means that TFC’s stock grew somewhat faster than ZION’s over the last 12 months.
ZION's Profit vs Risk Rating (75) in the Regional Banks industry is in the same range as TFC (98) in the null industry. This means that ZION’s stock grew similarly to TFC’s over the last 12 months.
TFC's SMR Rating (7) in the null industry is in the same range as ZION (13) in the Regional Banks industry. This means that TFC’s stock grew similarly to ZION’s over the last 12 months.
ZION's Price Growth Rating (13) in the Regional Banks industry is in the same range as TFC (21) in the null industry. This means that ZION’s stock grew similarly to TFC’s over the last 12 months.
ZION's P/E Growth Rating (44) in the Regional Banks industry is in the same range as TFC (53) in the null industry. This means that ZION’s stock grew similarly to TFC’s over the last 12 months.
| TFC | ZION | |
|---|---|---|
| RSI ODDS (%) | 1 day ago 68% | 1 day ago 64% |
| Stochastic ODDS (%) | 1 day ago 66% | 1 day ago 67% |
| Momentum ODDS (%) | 1 day ago 70% | 1 day ago 65% |
| MACD ODDS (%) | 1 day ago 66% | 1 day ago 76% |
| TrendWeek ODDS (%) | 1 day ago 62% | 1 day ago 68% |
| TrendMonth ODDS (%) | 1 day ago 55% | 1 day ago 64% |
| Advances ODDS (%) | 4 days ago 62% | 4 days ago 67% |
| Declines ODDS (%) | 19 days ago 63% | 19 days ago 68% |
| BollingerBands ODDS (%) | 1 day ago 59% | 1 day ago 61% |
| Aroon ODDS (%) | 1 day ago 58% | 1 day ago 63% |
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