Track record · closed signal

Zions Bancorporation, N.A. (ZION) — closed signal from September 28, 2025

Partial Published before the outcome was known, scored automatically when the window closed on December 27, 2025.

Predicted vs. what happened

ZION price · publication thesis → realized outcomesplit-adjusted

$55.53 – $56.81Entry zone — fair-value band

$57.05Published — price the day we called it

$66.74Target — the price the thesis aimed for

$60.77Peak — highest point inside the window, not a realized return

$59.51Window close — end-of-window price, context only

What happened

Partial

Reached 36% of the predicted growth at its peak, without hitting the target.

Peak price

$60.77

peak on December 22, 2025 — not a realized return

Peak gain

+6.5%

peak, from the publication price

Window close

$59.51

end-of-window price, context only

Days to target

—

Window

September 28, 2025 – December 27, 2025

The thesis — published September 28, 2025

Predicted growth

+18%

over the measurement window

Target price

$66.74

the price the thesis aimed for

Entry zone

$55.53 – $56.81

the fair-value band we waited for

Price at publication

$57.05

published September 28, 2025

Confidence

74%

how strongly the data lined up

Timeframe

Short-term (0–3 months)

Zions looks beaten down but has helpful news. Q2 revenue grew 7.9% compared to last year and topped forecasts. Sentiment is unusually strong. Trend is still soft, so consider easing in as the recent average price improves. Analysts recently kept a Buy view with a strong value mark, and expected rate cuts could help. A bounce over the next 3 months is possible if credit and commercial real estate risks stay calm.

Primary drivers

Price looks beaten down; early signs of firming after recent weakness.
Q2 sales rose 7.9% compared to last year, beating what analysts expected.
Positive coverage and value rating add confidence to the investment case.
Expected rate cuts could lower funding costs and support margins and lending.

How it played out

ZION: the target was not reached

Lyra published ZION at 57.05 on 2025-09-28, with an expected 18% move over the short-term window. The thesis pointed to a beaten-down price, Q2 sales growth of 7.9%, positive coverage and value rating, and expected rate cuts that could support funding costs, margins, and lending.

Inside the 2025-09-28 to 2025-12-27 window, ZION peaked at 60.77 on 2025-12-22. That was a 6.5% gain, but it stayed below the 66.74 target. It ended at 59.51. The thesis partially played out on direction, but missed on the target.

What happened during the window

On 2025-10-16, Zions disclosed a $50 million loss tied to two commercial loans and said it would take a $60 million provision for credit losses in its third-quarter results. On 2025-10-20, Zions reported third-quarter profit of $221 million, or $1.48 a share, and net interest income of $672 million.

Prices are shown split- and dividend-adjusted, matching what public charts show today.

Lyra

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