TFC vs ZION Stock Comparison
ZION currently leads TFC in this stock comparison, with AIQ scores of 64 vs 54. The clearest difference is quality.
What is the main difference between TFC and ZION?
ZION leads the current stock comparison as Zions Bancorporation, National Association, with the clearest separation coming from quality and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Truist Financial Corporation vs Zions Bancorporation, National Association
ZION leads
ZION leads by 10 AIQ points, primarily on Quality and Momentum.
Competitive: 4 of 6 evidence groups support ZION, and its current signal state is conflicted.
Truist Financial Corporation
Zions Bancorporation, National Association
The Algovestiq AIQ Score currently favors ZION over TFC, 64 versus 54 as of Oct 21, 2026. ZION's advantage is driven primarily by stronger quality and momentum. ZION also shows the stronger technical structure relative to its 50-day moving average. 4 of 6 covered evidence groups favor ZION today, and the comparison is rated Competitive on stability: the leader is throwing conflicting signals. ZION lead: Stable — the AIQ differential has held near 10 points over 30 sessions.
Compare Truist Financial Corporation and Zions Bancorporation, National Association across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Total return with distributions reinvested, from daily closes.
Total return comparison
Growth of $10,000, distributions reinvested
Split-adjusted closes; each distribution is reinvested at the close on its ex-dividend date. Taxes and trading costs are not modeled.
Compare TFC and ZION against another ticker
Open a multi-ticker workspace without changing this focused pair page.
AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Quality51 vs 70ZION +19
- Momentum49 vs 60ZION +11
- Value58 vs 63ZION +5
- Risk Resilience62 vs 62Even
4 of 6 evidence groups favor ZION. ZION’s edge is concentrated in quality and momentum.
What changed since the last close
Latest scored session 2026-10-20, compared against the prior scored session 2026-10-19.
Largest factor move: Momentum +8
No signal started or stopped since the prior session; its 4 active signals are unchanged.
Largest factor move: Momentum +14
New signals
- BB Upper Band Breach — bearish, volatility, short horizon
ZION's lead widened by 1 AIQ point in the latest session.
Deeper signal detail for each name lives on its own signals page — TFC and ZION both carry a full feed there.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
ZIONZION on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
ZIONZION on combined revenue and EPS growth.
Value
ZIONZION on the peer-relative Value factor, by 5 points.
Momentum
ZIONZION on the Momentum factor, by 11 points.
Lower downside
ZIONZION carries the lower 1-month annualized volatility.
Analyst upside
EvenAnalyst targets are level or not covered for both names.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | TFC | ZION | Note |
|---|---|---|---|
| Implied upside to target | +15.2% | +14.9% | Level |
| Target dispersion | +16.4% | +22.5% | Lower is tighter analyst agreement |
| Consensus | Hold | Hold | Context, not a primary driver |
| Analysts covering | 6 | 12 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
Dividend growth
| Dividend metric | TFC | ZION |
|---|---|---|
| 5Y dividend CAGR | 2.93% | 5.29% |
| 2020 regular DPS | $1.800 | $1.360 |
| 2025 regular DPS | $2.080 | $1.760 |
| Years increased | 3 | 5 |
| No cut in window | No (1) | Yes |
| Cohort rank | not ranked | #238 |
ZION grew its split-adjusted regular dividend faster over 2020–2025 — 5.29% a year against TFC's 2.93%. ZION never reduced its regular dividend in the window; TFC did in 1 year.
Yield and payout ratio shown elsewhere on this page are current values, not part of the study window.
Split-adjusted regular dividends per share, 2020–2025, excluding special dividends. Research as of Sep 19, 2026.
AIQ Agreement Matrix
4 of 6 covered evidence groups favor ZION. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | ZION | 54 vs 64 |
| Fundamentals | ZION | revenue growth -19.7% vs 25%; EPS growth -54% vs 95.5%; TTM ROE 8.1% vs 16.1%; gross margin 65.3% vs 71.4%; operating margin 20.7% vs 29.1% |
| Valuation | ZION | Value 58 vs 63 |
| Technicals | ZION | Price vs 50-day -2.5% vs -0.6%; vs 200-day -4.5% vs 1.6% |
| Risk Resilience | Even | Risk Resilience 62 vs 62 |
| Analyst expectations | Even | Target upside 15.2% vs 14.9% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of TFC and ZION and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is moderate at 10 points.
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on ZION.
How the comparison changed
120 daily snapshots · Jun 21 – Oct 20ZION lead: Stable — the AIQ differential has held near 10 points over 30 sessions.
- Today
- ZION +10
- 54 vs 64
- 7 sessions ago
- ZION +9
- 50 vs 59
- 30 sessions ago
- ZION +8
- 47 vs 55
- 90 sessions ago
- ZION +10
- 56 vs 66
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
1 bullish / 2 bearish / 1 neutral, conflicted
Only TFC
- Death Cross Active — bearish, trend, long horizon (1.26%)
- Downtrend Structure Active — bearish, trend, long horizon
2 bullish / 1 bearish / 1 neutral, conflicted
Only ZION
- Golden Cross Active — bullish, trend, long horizon (3.97%)
- BB Upper Band Breach — bearish, volatility, short horizon
Both carry 2 more signals that do not separate them: Bollinger Band Squeeze, MACD Bullish Crossover.
ZION leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Price and the AIQ Score both moved up over the latest session (price +0.85%, AIQ +2 points).
Price and the AIQ Score both moved up over the latest session (price +1.73%, AIQ +3 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1TFC closes the Quality gap — currently 19 points behind, the largest single contributor to ZION's edge.
- 2TFC's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3ZION's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
ZION leads on balance| Metric | TFC | ZION |
|---|---|---|
| Revenue growth (YoY) | -19.7% | 25% |
| EPS growth (YoY) | -54% | 95.5% |
| Gross margin | 65.3% | 71.4% |
| Operating margin | 20.7% | 29.1% |
| Return on equity (TTM) | 8.1% | 16.1% |
| Debt to equity | 1.07 | 0.41 |
Performance
ZION leads 6 of 6 windows| Metric | TFC | ZION |
|---|---|---|
| 1 week (5 sessions) | 3.1% | 3.8% |
| 1 month (20 sessions) | -1.5% | 1.5% |
| 3 months (63 sessions) | -8.5% | -7.8% |
| 6 months (126 sessions) | -7.3% | 4.1% |
| Year to date | -3.8% | 10.3% |
| 1 year (252 sessions) | 15.2% | 37.6% |
Technicals
ZION has the stronger structure| Metric | TFC | ZION |
|---|---|---|
| RSI (14) | 57.8 | 63.1 |
| ADX (14) | 25.3 | 28.4 |
| Price vs 50-day | -2.5% | -0.6% |
| Price vs 200-day | -4.5% | 1.6% |
| Volatility (1M, annualized) | 20.3% | 17.4% |
Risk
Split| Metric | TFC | ZION |
|---|---|---|
| Beta | 0.63 | 0.76 |
| Sharpe ratio | 0.4 | 1.01 |
| Sortino ratio | 0.54 | 1.37 |
| Max drawdown | -21.5% | -18.7% |
| Current drawdown | -15.2% | -11.9% |
| Annualized volatility | 23.3% | 25.5% |
| Value at risk (95%) | -2.5% | -2.5% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, TFC or ZION?
On the Algovestiq AIQ Score, ZION is the stronger of the two as of Oct 21, 2026, scoring 64 against TFC's 54. The edge comes from quality and momentum. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is TFC or ZION the better buy right now?
ZION carries the stronger systematic profile as of Oct 21, 2026, and the comparison is rated Competitive — 4 of 6 covered evidence groups agree. A Competitive rating means the two are close enough that your objective, not the score, should decide.
Why does the AIQ Score favor ZION over TFC?
The composite weights Quality, Value, Momentum and Risk Resilience. ZION leads Quality by 19 points; ZION leads Momentum by 11 points; ZION leads Value by 5 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, TFC or ZION?
Analyst price targets imply +15.2% upside for TFC and +14.9% for ZION. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, TFC or ZION?
ZION is the better-valued of the two on the peer-relative Value factor. ZION on the peer-relative Value factor, by 5 points. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, TFC or ZION?
ZION on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, TFC or ZION?
ZION on the Momentum factor, by 11 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, TFC or ZION?
ZION is the more resilient of the two, so the other name carries the higher downside risk. ZION carries the lower 1-month annualized volatility. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is TFC more profitable than ZION?
ZION leads on the comparable margin measures — gross margin 65.3% vs 71.4%; operating margin 20.7% vs 29.1%; ttm roe 8.1% vs 16.1%.
Is ZION's lead over TFC getting stronger or weaker?
ZION lead: Stable — the AIQ differential has held near 10 points over 30 sessions. This is measured from 120 daily comparison snapshots between 2026-06-21 and 2026-10-20. The lead has not changed hands in that window.
What would change the TFC vs ZION verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: TFC closes the Quality gap — currently 19 points behind, the largest single contributor to ZION's edge; TFC's Death Cross Active resolves — a bearish trend rule currently active against it; ZION's conflicting signal state resolves bearish — it currently carries 2 bullish and 1 bearish rules at once; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about TFC and ZION?
TFC: 1 bullish / 2 bearish / 1 neutral, conflicted. ZION: 2 bullish / 1 bearish / 1 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on TFC is Death Cross Active (bearish, long horizon). On ZION it is Golden Cross Active (bullish, long horizon).
Compare TFC and ZION with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.