Sifting through countless of stocks in the Banks industry can be tedious, and sometimes two stocks are just too similar to judge which is the better investment. If you’re on the fence about investing in Zions Bancorporation, National Association or TFS Financial Corporation because you’re not sure how they measure up, it’s important to compare them on a few factors before making your decision.

Read on to learn how Zions Bancorporation, National Association and TFS Financial Corporation compare based on key financial metrics to determine which better meets your investment needs.

About Zions Bancorporation, National Association and TFS Financial Corporation

Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington segments. It offers commercial and small business banking services to small- and medium-sized businesses, such as commercial, industrial, and owner-occupied lending and leasing; municipal and public finance services; depository account and cash management services; commercial and small business cards; merchant processing services; corporate trust services; and correspondent banking and international lending services. The company also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, mergers and acquisitions advisory services, advisory and capital raising, commercial mortgage-backed security conduit lending, and power and project financing; and commercial real estate lending services consisting of term and construction/land development financing for commercial and residential purposes. In addition, it offers retail banking services comprising residential mortgages lending, home equity lines of credit, personal lines of credit, installment consumer loans, depository account services, consumer cards, and personal trust services; and wealth management services consisting of investment management, fiduciary and estate, and advanced business succession and estate planning services. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.

TFS Financial Corporation, through its subsidiaries, provides retail consumer banking services in the United States. The company offers deposit products, including savings, money market, checking, individual retirement, and other qualified plan accounts, as well as certificates of deposit. It also provides residential real estate mortgage loans, residential construction loans, purchase mortgages, and home equity loans and lines of credit, as well as purchase mortgages and first mortgage refinance loans. In addition, the company offers escrow and settlement services. TFS Financial Corporation was founded in 1938 and is headquartered in Cleveland, Ohio. TFS Financial Corporation operates as a subsidiary of Third Federal Savings and Loan Association of Cleveland, MHC.

Latest Banks and Zions Bancorporation, National Association, TFS Financial Corporation Stock News

As of July 6, 2026, Zions Bancorporation, National Association had a $10.4 billion market capitalization, compared to the Banks median of $737.6 million. Zions Bancorporation, National Association’s stock is up 20.6% in 2026, up 2.1% in the previous five trading days and up 28.9% in the past year.

Currently, Zions Bancorporation, National Association’s price-earnings ratio is 11.0. Zions Bancorporation, National Association’s trailing 12-month revenue is $3.4 billion with a 28.4% net profit margin. Year-over-year quarterly sales growth most recently was 10.2%. Analysts expect adjusted earnings to reach $6.493 per share for the current fiscal year. Zions Bancorporation, National Association currently has a 2.5% dividend yield.

As of July 6, 2026, TFS Financial Corporation had a $5.0 billion market cap, putting it in the 67th percentile of all stocks. TFS Financial Corporation’s stock is up 33.6% in 2026, up 2.2% in the previous five trading days and up 34.87% in the past year.

Currently, TFS Financial Corporation’s price-earnings ratio is 54.5. TFS Financial Corporation’s trailing 12-month revenue is $335.0 million with a 27.8% net profit margin. Year-over-year quarterly sales growth most recently was 9.8%. Analysts expect adjusted earnings to reach $0.335 per share for the current fiscal year. TFS Financial Corporation currently has a 6.3% dividend yield.

How We Compare Zions Bancorporation, National Association and TFS Financial Corporation Stock Grades

Stock evaluation requires access to huge amounts of data and the knowledge and time to sift through it all, make sense of financial ratios, read income statements and analyze recent stock movements. AAII created A+ Investor, a robust data suite that condenses data research in an actionable and customizable way suitable for investors of all knowledge levels, to help investors streamline and work through such data.

AAII’s proprietary stock grades come with A+ Investor. These offer intuitive A‐F grades for each of five key investing factors: value, growth, momentum, earnings estimate revisions and quality. Here, we’ll take a closer look at Zions Bancorporation, National Association and TFS Financial Corporation’s stock grades to see how they measure up against one another.

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Zions Bancorporation, National Association and TFS Financial Corporation Stock Value Grades

Company	Ticker	Value
Zions Bancorporation, National Association	ZION	B
TFS Financial Corporation	TFSL	F

Successful stock investing involves buying low and selling high, so stock valuation is an important consideration for stock selection.

Buying stocks that are going to go up typically means buying stocks that are undervalued in the first place, although momentum investors may argue that point.

AAII’s A+ Investor Value Grade derives from a stock’s value score. The Value Score is the percentile rank of the average of the percentile ranks of the price-to-sales ratio, price-earnings ratio, enterprise-value-to-EBITDA (EV/EBITDA) ratio, shareholder yield, price-to-book-value ratio and price-to-free-cash-flow ratio. The score is variable, meaning it can consider all six ratios or, should any of the six ratios not be valid, the remaining ratios that are valid. To be assigned a Value Score, stocks must have a valid (non-null) ratio and corresponding ranking for at least two of the six valuation ratios.

Stocks with a Value Score from 81 to 100 are considered deep value, those with a score between 61 and 80 are a good value and so on.

Zions Bancorporation, National Association has a Value Score of 77, which is Value. TFS Financial Corporation has a Value Score of 19, which is Ultra Expensive.

The Value Stock Winner: Zions Bancorporation, National Association

As you can clearly see from the Value Grade breakdown above, Zions Bancorporation, National Association is considered to have better value than TFS Financial Corporation. For investors who focus solely on a company’s valuation, Zions Bancorporation, National Association could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Zions Bancorporation, National Association and TFS Financial Corporation Growth Grades

Company	Ticker	Growth
Zions Bancorporation, National Association	ZION	B
TFS Financial Corporation	TFSL	C

The foundation of growth investing is seeking out stocks of companies exhibiting strong, consistent and prolonged growth that is expected to continue into the future.

In order to compute the growth score and assign it a letter grade, the percentile ranks for each of three components‐consistency of annual sales growth, five-year sales growth rankings adjusted for extreme levels, and consistency of positive annual cash from operations‐must be determined. These three rank figures are added together, and the sum is ranked against the entire stock universe to arrive at a company’s Growth Score to create an equal distribution of grades.

The companies in the bottom 20% of the stock universe receive Growth Grades of F, considered to be very weak, while those in the top 20% receive A grades, which are considered very strong.

Zions Bancorporation, National Association has a Growth Score of 77, which is Strong. TFS Financial Corporation has a Growth Score of 56, which is Average.

The Growth Grade Winner: Zions Bancorporation, National Association

As you can clearly see from the Growth Grade breakdown above, Zions Bancorporation, National Association has a more attractive growth grade than TFS Financial Corporation. For investors who focus solely on how a company is growing relative to other companies in the same industry, Zions Bancorporation, National Association could be a good stock to add to their portfolio. However, it’s important for investors to analyze multiple factors based on a wide range of metrics before deciding whether to buy.

Zions Bancorporation, National Association and TFS Financial Corporation’s Momentum Grades

Company	Ticker	Momentum
Zions Bancorporation, National Association	ZION	B
TFS Financial Corporation	TFSL	B

Momentum grades help to uncover stocks experiencing anomalously high rates of return; research finds that stocks with high relative levels of momentum tend to outperform, whereas those with low levels of momentum tend to continue underperforming. Momentum is based on the price change of a stock over a specified period relative to all other stocks.

Typically, AAII looks at the weighted relative strength over the trailing four quarters. The weighted four-quarter relative strength rank is the relative price change for each of the past four quarters. The most recent quarterly price change is given a weight of 40% and each of the three previous quarters are given a weighting of 20%.

Zions Bancorporation, National Association has a Momentum Score of 65, which is Strong. TFS Financial Corporation has a Momentum Score of 71, which is Strong.

The Momentum Grade Winner: It’s a Tie!

Looking at the Momentum Grade breakdown above, both Zions Bancorporation, National Association and TFS Financial Corporation have a grade of B. For those who focus solely on a company’s momentum, further research will need to be conducted into both companies to see if they fit your individual needs as an investor.

Other Zions Bancorporation, National Association and TFS Financial Corporation Grades

In addition to Value, Growth and Momentum, A+ Investor also provides grades for Estimate Revisions and Quality.

Earnings estimate revisions scores take into account the magnitude of a company’s earnings surprise in its last two reported fiscal quarters. Often, surprises beget further surprises‐or at least continued sales growth (the exact opposite is generally true, too).

AAII’s A+ Investor Quality Grade comes from the ranking of key metrics. Specifically, the quality grade is the percentile rank of the composite of return on assets (ROA), return on invested capital (ROIC), gross profit relative to assets, buyback yield, change in total liabilities to assets, accruals, Z double prime bankruptcy risk (Z) score and F-Score.

These 2 key factors, when combined with the above, provide a holistic view into a particular stock. Further, by joining A+ Investor you can see whether Zions Bancorporation, National Association and TFS Financial Corporation pass any of our 60+ stock screens that have outperformed the market since their creation.

So, Which Is the Better Investment, Zions Bancorporation, National Association or TFS Financial Corporation Stock?

Overall, Zions Bancorporation, National Association stock has a Value Score of 77, Growth Score of 77 and Momentum Score of 65.

TFS Financial Corporation stock has a Value Score of 19, Growth Score of 56 and Momentum Score of 71.

Comparing Zions Bancorporation, National Association and TFS Financial Corporation’s grades, scores and metrics can act as a solid basis to determine whether they may be a good investment or not. You’ll also want to look at your portfolio’s asset allocation as well as your risk tolerance and financial goals to see if either of these stocks would make a good fit for you. AAII can help you figure out which investments align with your individual needs and preferences.

Investors are encouraged to do their own due diligence and research. In this way, individuals can effectively become managers of their own assets‐without having to rely on others for financial independence. You can count on AAII for timeless articles on financial planning and stock-picking, unbiased research and actionable analysis.

A+ Investor adds to our qualitative teaching with a powerful data suite to help you whittle down investment choices to find stocks, exchange-traded funds (ETFs) or mutual funds that meet your needs.

AAII Disclaimer

We make no representations or warranties that any investor will, or is likely to, achieve profits similar to those shown, because past, hypothetical or simulated performance is not necessarily indicative of future results. Before making an investment decision, you should consider your circumstances and whether the information on our content is applicable to your situation. This information was prepared in good faith, and we accept no liability for any errors or omissions. The full disclaimer can be read here.