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 Truist Financial Corporation, Zions Bancorporation or National Association 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 Truist Financial Corporation, Zions Bancorporation and National Association compare based on key financial metrics to determine which better meets your investment needs.

About Truist Financial Corporation, Zions Bancorporation and National Association

Truist Financial Corporation, a financial services company, provides banking and trust services in the Southeastern and Mid-Atlantic United States. The company operates through two segments, Consumer and Small Business Banking; and Wholesale Banking. Its deposit products include noninterest-bearing checking, interest-bearing checking, savings, and money market deposit accounts, as well as certificates of deposit and individual retirement accounts. The company also provides funding; asset management; credit card lending; home equity and mortgage lending; other direct retail lending; home mortgage lending; Investment brokerage services; mobile/online banking; payment solutions; point-of-sale lending; retail and small business deposit products; and small business lending. In addition, it offers asset-based lending, commercial deposit and treasury services; commercial lending; floor plan lending; derivatives; institutional trust services; insurance premium finance; international banking; investment banking and capital markets services; leasing; merchant services; mortgage warehouse lending; real estate lending; supply chain financing; and wealth management/private banking. The company was formerly known as BB&T Corporation and changed its name to Truist Financial Corporation in December 2019. Truist Financial Corporation was founded in 1872 and is headquartered in Charlotte, North Carolina.

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.

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

As of July 31, 2026, Truist Financial Corporation had a $63.3 billion market capitalization, compared to the Banks median of $716.9 million. Truist Financial Corporation’s stock is up 5.3% in 2026, up 0.2% in the previous five trading days and up 17.13% in the past year.

Currently, Truist Financial Corporation’s price-earnings ratio is 12.8. Truist Financial Corporation’s trailing 12-month revenue is $18.7 billion with a 30.7% net profit margin. Year-over-year quarterly sales growth most recently was 5.2%. Analysts expect adjusted earnings to reach $4.617 per share for the current fiscal year. Truist Financial Corporation currently has a 4.0% dividend yield.

As of July 31, 2026, Zions Bancorporation, National Association had a $10.2 billion market cap, putting it in the 78th percentile of all stocks. Zions Bancorporation, National Association’s stock is up 19.1% in 2026, up 0.6% in the previous five trading days and up 28.57% in the past year.

Currently, Zions Bancorporation, National Association’s price-earnings ratio is 10.8. Zions Bancorporation, National Association’s trailing 12-month revenue is $3.4 billion with a 31.8% net profit margin. Year-over-year quarterly sales growth most recently was 10.2%. Analysts expect adjusted earnings to reach $6.570 per share for the current fiscal year. Zions Bancorporation, National Association currently has a 2.6% dividend yield.

How We Compare Truist Financial Corporation, Zions Bancorporation and National Association 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 Truist Financial Corporation, Zions Bancorporation and National Association’s stock grades to see how they measure up against one another.

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Truist Financial Corporation, Zions Bancorporation and National Association Growth Grades

Company	Ticker	Growth
Truist Financial Corporation	TFC	D
Zions Bancorporation, National Association	ZION	B

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.

Truist Financial Corporation has a Growth Score of 25, which is Weak. Zions Bancorporation, National Association has a Growth Score of 77, which is Strong.

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 Truist 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.

Truist Financial Corporation, Zions Bancorporation and National Association’s Quality Grades

Company	Ticker	Quality
Truist Financial Corporation	TFC	D
Zions Bancorporation, National Association	ZION	D

Like the Value Grade, AAII’s A+ Investor Quality Grade comes from the percentile rank of key metrics. Specifically, the Quality Score is the percentile rank of the average of the percentile ranks 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 the F-Score.

The score is variable, meaning it can consider all eight measures or, should any of the eight measures not be valid, the remaining measures that are valid. To be assigned a Quality Score, stocks must have a valid (non-null) measure and corresponding ranking for at least four of the eight quality measures.

The Quality Score is used to assess the underlying “quality” of a particular stock. A higher-quality stock possesses traits associated with upside potential and reduced downside risk. Backtesting of the Quality Grade shows that stocks with higher grades, on average, outperformed stocks with lower grades over the period of 1998 through 2019.

Stocks receive better grades (higher scores) for having higher scores for the quality subcomponents and worse grades (lower scores) for lower scores for the subcomponents.

Truist Financial Corporation has a Quality Score of 28, which is Weak. Zions Bancorporation, National Association has a Quality Score of 30, which is Weak.

The Quality Stock Winner: No Clear Winner

Neither Truist Financial Corporation, Zions Bancorporation or National Association has a high enough Quality Grade to be considered a “winner.” Investors who are considering these companies should do additional due diligence and research to see if either could be a good addition to their portfolios. It’s important to look at a wide range of financial metrics in order to determine if Truist Financial Corporation, Zions Bancorporation or National Association is the better investment when it comes to quality.

Truist Financial Corporation, Zions Bancorporation and National Association’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
Truist Financial Corporation	TFC	B
Zions Bancorporation, National Association	ZION	B

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

Estimate revisions offer an indication of what analysts are thinking about the short-term prospects of a firm. Estimate revisions are based on the statistical significance of a firm’s last two quarterly earnings surprises and the percentage change in its consensus estimate for the current fiscal year over the past month and past three months.

Truist Financial Corporation has a Earnings Estimate Score of 75, which is Positive. Zions Bancorporation, National Association has a Earnings Estimate Score of 66, which is Positive.

The Earnings Estimate Revisions Grade Winner: It’s a Tie!

Looking at the Earnings Estimate Revisions Grade breakdown above, both Truist Financial Corporation, Zions Bancorporation and National Association have a grade of B. For those focusing solely on a company’s estimate revisions, other financial metrics will need to be evaluated to determine whether Truist Financial Corporation, Zions Bancorporation or National Association is a better fit.

Other Truist Financial Corporation, Zions Bancorporation and National Association Grades

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

Momentum grades help 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.

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.

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 Truist Financial Corporation, Zions Bancorporation and National Association pass any of our 60+ stock screens that have outperformed the market since their creation.

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

Overall, Truist Financial Corporation stock has a Growth Score of 25, Estimate Revisions Score of 75 and Quality Score of 28.

Zions Bancorporation, National Association stock has a Growth Score of 77, Estimate Revisions Score of 66 and Quality Score of 30.

Comparing Truist Financial Corporation, Zions Bancorporation and National Association’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.