COMP <GO>
ZION vs CFR // 10Y YIELD & FRED MACRO BETA
Zions Bancorporation N.A. (NASDAQ) VS. Cullen/Frost Bankers Inc. (NYSE) • 15-METRIC TALLY: ZION 3
— CFR 6
▲ 10Y YIELD & FRED MACRO BETA LEADER: CFR
LAST: $66.38 (+1.55%) • MKT CAP: $9.54B
macro-sensitivity
0.90
LAST: $160.30 (+1.71%) • MKT CAP: $9.80B
macro-sensitivity
0.93
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (ZION VS. CFR)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | ZION | CFR | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 2.80% | 3.40% | -0.60 | CFR | /roic <GO> |
| EV/EBITDA & P/E Valuation | 27.7x | 26.0x | +1.70 | CFR | /valuation <GO> |
| Free Cash Flow Yield | 9.85% | 1.30% | +8.55 | ZION | /fcf-yield <GO> |
| Operating Margin | 75.00% | 75.00% | 0.00 | TIE | /operating-margins <GO> |
| Net Profit Margin | 68.00% | 68.00% | 0.00 | TIE | /net-margins <GO> |
| Revenue Growth (YoY) | 3.10% | 14.40% | -11.30 | CFR | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 2.76% | 2.60% | +0.16 | ZION | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | — | — | — | TIE | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 7/9 | 0.00 | TIE | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.2 | 54.0 | -1.80 | CFR | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | 0.90 | 0.93 | -0.03 | CFR | /macro-sensitivity <GO> |
| Forward P/E Multiple | 10.0x | 12.7x | -2.70 | ZION | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $9.54B | $9.80B | -$258.7M | CFR | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | ZION REV | CFR REV | ZION GROSS % | CFR GROSS % | ZION FCF | CFR FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $529.0M | $121.6M | — | — | $952.0M | $127.3M |
| FY 2024 | $513.0M | $106.2M | — | — | $1.05B | $861.8M |
| FY 2023 | $503.0M | $93.5M | — | — | $862.4M | $474.6M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
ZION // BETA 0.90
CFR // BETA 0.93