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 City Holding Company, 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 City Holding Company, Zions Bancorporation and National Association compare based on key financial metrics to determine which better meets your investment needs.

About City Holding Company, Zions Bancorporation and National Association

City Holding Company operates as a financial holding company for City National Bank of West Virginia that provides banking, trust and investment management, and other financial solutions in the United States. It offers checking, savings, and money market accounts, as well as certificates of deposit and individual retirement accounts. The company also provides commercial and industrial loans that consist of loans to corporate and other legal entity borrowers primarily in small to mid-size industrial and commercial companies; commercial real estate loans comprising commercial mortgages, which are secured by nonresidential and multi-family residential properties; residential real estate loans to consumers for the purchase or refinance of residence; first-priority home equity loans; home equity lines of credit; amortized home equity loans; consumer loans that are secured and unsecured by automobiles, boats, recreational vehicles, certificates of deposit, and other personal property; and demand deposit account overdrafts, as well as owner-occupied real estate and construction, land development, and lines of credit. In addition, it offers mortgage banking services, including fixed and adjustable-rate mortgages, construction financing, land loans, production of conventional and government-insured mortgages, secondary marketing, and mortgage servicing. Further, the company provides treasury management, lockbox, and other cash management services; merchant credit card services; wealth management, trust, investment, and custodial services for commercial and individual customers; and corporate trust and institutional custody, financial and estate planning, and retirement plan services, as well as automated-teller-machine, interactive-teller-machine, mobile banking, interactive voice response systems, and credit and debit card services. The company was founded in 1957 and is headquartered in Charleston, West Virginia.

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 City Holding Company, Zions Bancorporation, National Association Stock News

As of July 31, 2026, City Holding Company had a $2.0 billion market capitalization, compared to the Banks median of $716.9 million. City Holding Company’s stock is up 21.7% in 2026, up 3.9% in the previous five trading days and up 17.19% in the past year.

Currently, City Holding Company’s price-earnings ratio is 16.0. City Holding Company’s trailing 12-month revenue is $319.7 million with a 41.1% net profit margin. Year-over-year quarterly sales growth most recently was 5.4%. Analysts expect adjusted earnings to reach $9.264 per share for the current fiscal year. City Holding Company currently has a 2.4% 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 City Holding Company, 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 City Holding Company, Zions Bancorporation and National Association’s stock grades to see how they measure up against one another.

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City Holding Company, Zions Bancorporation and National Association Stock Value Grades

Company	Ticker	Value
City Holding Company	CHCO	C
Zions Bancorporation, National Association	ZION	B

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.

City Holding Company has a Value Score of 43, which is Average. Zions Bancorporation, National Association has a Value Score of 78, which is Value.

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 City Holding Company. 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.

City Holding Company, Zions Bancorporation and National Association Growth Grades

Company	Ticker	Growth
City Holding Company	CHCO	A
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.

City Holding Company has a Growth Score of 100, which is Very Strong. Zions Bancorporation, National Association has a Growth Score of 77, which is Strong.

The Growth Grade Winner: City Holding Company

As you can clearly see from the Growth Grade breakdown above, City Holding Company has a more attractive growth grade than Zions Bancorporation, National Association. For investors who focus solely on how a company is growing relative to other companies in the same industry, City Holding Company 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.

City Holding Company, Zions Bancorporation and National Association’s Estimate Revisions Grades

Company	Ticker	Earnings Estimate
City Holding Company	CHCO	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.

City Holding Company has a Earnings Estimate Score of 70, 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 City Holding Company, 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 City Holding Company, Zions Bancorporation or National Association is a better fit.

Other City Holding Company, Zions Bancorporation and National Association Grades

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

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.

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 City Holding Company, 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, City Holding Company, Zions Bancorporation or National Association Stock?

Overall, City Holding Company stock has a Value Score of 43, Growth Score of 100 and Estimate Revisions Score of 70.

Zions Bancorporation, National Association stock has a Value Score of 78, Growth Score of 77 and Estimate Revisions Score of 66.

Comparing City Holding Company, 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.