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C or JPM or ZION
Which Stock Would AI Choose? Citigroup (C) vs. JPMorgan Chase & Co. (JPM) vs. Zions Bancorporation (ZION) Stock Comparison
Key Takeaways
- C has shown strong one-year gains of around 52%, outperforming peers amid restructuring efforts, though recent weeks reflect broader sector volatility.
- JPM maintains stability as the largest U.S. bank with YTD declines but solid 20% one-year returns, supported by diversified revenue and analyst optimism.
- ZION, a regional player, offers around 15% one-year performance with recent earnings beats, but faces higher sensitivity to economic shifts.
- All three stocks have experienced recent pullbacks due to inflation concerns, geopolitical tensions, and market volatility, with the financial sector down amid jobs data surprises.
- JPM exhibits the strongest balance sheet and global exposure, while C benefits from transformation momentum and ZION from regional growth.
Introduction
This stock comparison examines C, JPM, and ZION, three banks spanning global giants to regional players in the financial sector. Investors and traders analyzing relative performance, sector exposure, and market positioning will find value here, particularly amid recent volatility from economic data and geopolitical events. These stocks highlight contrasts in scale, growth drivers, and risk profiles, aiding decisions on diversification or momentum plays in banking.
Citigroup (C) Overview and Recent Performance
Citigroup Inc. (C), a global financial services leader with $2.66 trillion in assets, focuses on investment banking, consumer finance, and institutional services. In recent market activity, shares have traded around $109, reflecting YTD declines of about 7-9% but impressive 52% one-year gains from restructuring progress and cost reductions. Sentiment has been influenced by analyst endorsements like Morgan Stanley's top pick status with a $152 target, alongside hedge fund interest. However, inflation concerns and regulatory headwinds have contributed to short-term pressure, with the stock down over 13% in the past month amid broader financial sector weakness.
JPMorgan Chase & Co. (JPM) Overview and Recent Performance
JPMorgan Chase & Co. (JPM), the largest U.S. bank by market cap at over $800 billion and $3.9 trillion in assets, excels in consumer banking, investment services, and trading. Recent weeks saw shares near $289, with YTD drops of 8-11% but 19-20% one-year returns, outpacing some peers in stability. Key influences include CEO warnings on inflation and credit risks, balanced by expansion in asset management and strong EPS growth forecasts of 6.9%. Geopolitical tensions and rate expectations have driven monthly declines of 11%, yet its fortress balance sheet supports resilience.
Zions Bancorporation (ZION) Overview and Recent Performance
Zions Bancorporation, National Association (ZION) operates regional banks across 11 western U.S. states, emphasizing commercial and consumer services with $70 billion in assets. Shares recently around $57 have posted YTD losses of 2% and 15% one-year gains, with recent earnings beats on net interest income boosting sentiment. Performance reflects sensitivity to local economies and rates, with monthly dips of 12% tied to sector-wide pressures like jobs disappointments. Analysts note valuation appeal post-momentum, though net interest margins lag peers.
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Head-to-Head Comparison
C and JPM leverage global scale for diversified revenue, contrasting ZION's regional focus on commercial lending. Growth drivers differ: C's restructuring enhances margins (17%), JPM's investment banking thrives on M&A, while ZION benefits from deposit growth but risks NIM compression. Recent momentum favors C over one year, but all face volatility risks from inflation and geopolitics. Valuation sensitivity is highest for ZION (lower P/B), with JPM premium-priced for stability; sentiment tilts positive on C and JPM analyst views.
Tickeron AI Verdict
Tickeron’s AI currently favors JPM due to superior trend consistency, global diversification, and lower relative drawdowns amid volatility. Its catalysts like EPS growth and balance sheet strength position it probabilistically ahead, though C's momentum offers upside 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
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).
C’s FA Score shows that 4 FA rating(s) are green whileJPM’s FA Score has 2 green FA rating(s), and ZION’s FA Score reflects 2 green FA rating(s).
- C’s FA Score: 4 green, 1 red.
- JPM’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.
C’s TA Score shows that 6 TA indicator(s) are bullish while JPM’s TA Score has 6 bullish TA indicator(s), and ZION’s TA Score reflects 6 bullish TA indicator(s).
- C’s TA Score: 6 bullish, 4 bearish.
- JPM’s TA Score: 6 bullish, 5 bearish.
- ZION’s TA Score: 6 bullish, 3 bearish.
Price Growth
C (@Major Banks) experienced а +6.26% price change this week, while JPM (@Major Banks) price change was +0.14% , and ZION (@Regional Banks) price fluctuated +2.75% for the same time period.
The average weekly price growth across all stocks in the @Major Banks industry was +2.59%. For the same industry, the average monthly price growth was +8.32%, and the average quarterly price growth was +22.02%.
The average weekly price growth across all stocks in the @Regional Banks industry was +1.58%. For the same industry, the average monthly price growth was +6.76%, and the average quarterly price growth was +20.92%.
Reported Earning Dates
C is expected to report earnings on Jul 14, 2026.
JPM is expected to report earnings on Jul 14, 2026.
ZION is expected to report earnings on Apr 20, 2026.
Industries' Descriptions
@Major Banks (+2.59% weekly)Major banks are among the biggest companies in the world, often times with global reach and market capitalizations in the multi-billions. Large banks often have multiple arms spanning different disciplines, from deposits, to investment banking, to wealth management and insurance. The biggest banks often have key competitive advantages over smaller players in the industry in terms of brand recognition, cost of capital, and efficiency. Think J.P. Morgan, Bank of America, Wells Fargo, and Citigroup.
@Regional Banks (+1.58% 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.
| C | JPM | ZION | |
| Capitalization | 225B | 831B | 9.23B |
| EBITDA | N/A | N/A | N/A |
| Gain YTD | 13.865 | -2.773 | 7.930 |
| P/E Ratio | 16.34 | 14.85 | 10.44 |
| Revenue | 85.2B | 182B | 3.39B |
| Total Cash | 23.5B | 21.7B | 771M |
| Total Debt | 368B | 500B | 3.47B |
C | JPM | ZION | ||
|---|---|---|---|---|
OUTLOOK RATING 1..100 | 36 | 34 | 38 | |
VALUATION overvalued / fair valued / undervalued 1..100 | 76 Overvalued | 84 Overvalued | 87 Overvalued | |
PROFIT vs RISK RATING 1..100 | 21 | 15 | 76 | |
SMR RATING 1..100 | 2 | 1 | 9 | |
PRICE GROWTH RATING 1..100 | 6 | 48 | 15 | |
P/E GROWTH RATING 1..100 | 18 | 34 | 45 | |
SEASONALITY SCORE 1..100 | n/a | 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.
C's Valuation (76) in the Financial Conglomerates industry is in the same range as JPM (84) in the Major Banks industry, and is in the same range as ZION (87) in the Regional Banks industry. This means that C's stock grew similarly to JPM’s and similarly to ZION’s over the last 12 months.
JPM's Profit vs Risk Rating (15) in the Major Banks industry is in the same range as C (21) in the Financial Conglomerates industry, and is somewhat better than the same rating for ZION (76) in the Regional Banks industry. This means that JPM's stock grew similarly to C’s and somewhat faster than ZION’s over the last 12 months.
JPM's SMR Rating (1) in the Major Banks industry is in the same range as C (2) in the Financial Conglomerates industry, and is in the same range as ZION (9) in the Regional Banks industry. This means that JPM's stock grew similarly to C’s and similarly to ZION’s over the last 12 months.
C's Price Growth Rating (6) in the Financial Conglomerates industry is in the same range as ZION (15) in the Regional Banks industry, and is somewhat better than the same rating for JPM (48) in the Major Banks industry. This means that C's stock grew similarly to ZION’s and somewhat faster than JPM’s over the last 12 months.
C's P/E Growth Rating (18) in the Financial Conglomerates industry is in the same range as JPM (34) in the Major Banks industry, and is in the same range as ZION (45) in the Regional Banks industry. This means that C's stock grew similarly to JPM’s and similarly to ZION’s over the last 12 months.
| C | JPM | ZION | |
|---|---|---|---|
| RSI ODDS (%) | 3 days ago 56% | 3 days ago 56% | 3 days ago 67% |
| Stochastic ODDS (%) | 3 days ago 67% | 3 days ago 56% | 3 days ago 73% |
| Momentum ODDS (%) | 3 days ago 70% | 3 days ago 69% | 3 days ago 72% |
| MACD ODDS (%) | 3 days ago 62% | 3 days ago 64% | 3 days ago 75% |
| TrendWeek ODDS (%) | 3 days ago 68% | 3 days ago 61% | 3 days ago 67% |
| TrendMonth ODDS (%) | 3 days ago 64% | 3 days ago 57% | 3 days ago 63% |
| Advances ODDS (%) | 5 days ago 65% | 3 days ago 59% | 5 days ago 65% |
| Declines ODDS (%) | 21 days ago 68% | 5 days ago 59% | N/A |
| BollingerBands ODDS (%) | 3 days ago 56% | 3 days ago 46% | 3 days ago 64% |
| Aroon ODDS (%) | 3 days ago 58% | 3 days ago 53% | 3 days ago 64% |
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| 1 Day | |||
|---|---|---|---|
| ETFs / NAME | Price $ | Chg $ | Chg % |
| FTDS | 61.17 | 0.31 | +0.51% |
| First Trust Dividend Strength ETF | |||
| MYCO | 24.75 | 0.12 | +0.47% |
| State Street® My2035 Corporate Bond ETF | |||
| TWOX | 28.15 | 0.10 | +0.37% |
| iShares Large Cp Accelerated Outcome ETF | |||
| WIA | 8.20 | 0.02 | +0.24% |
| Western Asset Inflation-Linked Income Fund | |||
| OXLC | 10.00 | -0.02 | -0.20% |
| Oxford Lane Capital Corp. | |||
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% | +1.93% | ||
| FNB - ZION | 90% Closely correlated | +3.10% | ||
| RF - ZION | 88% Closely correlated | +0.75% | ||
| ONB - ZION | 87% Closely correlated | +2.88% | ||
| KEY - ZION | 87% Closely correlated | +0.60% | ||
| CFG - ZION | 87% Closely correlated | +0.06% | ||
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