Head to Head Analysis: Zions Bancorporation, N.A. (NASDAQ:ZION) versus Triumph Financial (NYSE:TFIN)

Triumph Financial (NYSE:TFIN) and Zions Bancorporation, N.A. (NASDAQ:ZION) are both finance companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, dividends, risk, valuation, profitability and analyst recommendations.

Earnings & Valuation

This table compares Triumph Financial and Zions Bancorporation, N.A.”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Triumph Financial	$518.88 million	2.83	$25.36 million	$1.48	41.59
Zions Bancorporation, N.A.	$3.74 billion	2.45	$899.00 million	$7.85	7.98

Zions Bancorporation, N.A. has higher revenue and earnings than Triumph Financial. Zions Bancorporation, N.A. is trading at a lower price-to-earnings ratio than Triumph Financial, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Triumph Financial and Zions Bancorporation, N.A.’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Triumph Financial	7.17%	4.69%	0.62%
Zions Bancorporation, N.A.	23.92%	13.72%	1.11%

Risk and Volatility

Triumph Financial has a beta of 1.37, meaning that its share price is 37% more volatile than the S&P 500. Comparatively, Zions Bancorporation, N.A. has a beta of 0.78, meaning that its share price is 22% less volatile than the S&P 500.

Insider and Institutional Ownership

91.1% of Triumph Financial shares are held by institutional investors. Comparatively, 76.8% of Zions Bancorporation, N.A. shares are held by institutional investors. 5.5% of Triumph Financial shares are held by company insiders. Comparatively, 1.4% of Zions Bancorporation, N.A. shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of current ratings and target prices for Triumph Financial and Zions Bancorporation, N.A., as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Triumph Financial	0	6	0	0	2.00
Zions Bancorporation, N.A.	3	11	6	0	2.15

Triumph Financial currently has a consensus price target of $85.00, suggesting a potential upside of 38.10%. Zions Bancorporation, N.A. has a consensus price target of $72.53, suggesting a potential upside of 15.77%. Given Triumph Financial’s higher possible upside, equities analysts plainly believe Triumph Financial is more favorable than Zions Bancorporation, N.A..

Summary

Zions Bancorporation, N.A. beats Triumph Financial on 8 of the 14 factors compared between the two stocks.

About Triumph Financial

Triumph Bancorp, Inc. operates as a financial holding company for TBK Bank, SSB that provides various banking and commercial finance products and services to retail customers and small-to-mid-sized businesses in the United States. The company operates through four segments: Banking, Factoring, Payments, and Corporate. It offers depository products, including checking, savings, and money market accounts, as well as certificates of deposit; and commercial and industrial loans, loans to purchase capital equipment, and business loans for working capital and operational purposes. The company also provides asset-based, and equipment and premium finance loans; real estate loans to finance commercial properties; to factoring services the transportation and non-transportation sectors; agriculture loans; commercial construction, land, and land development loans; mortgage warehouse loans; residential real estate loans; and consumer loans. In addition, it offers debit cards; electronic banking, trust, and treasury management services; and insurance brokerage services. As of December 31, 2021, the company operated through a network of 10 branches in the Quad Cities Metropolitan Area of Iowa and Illinois; 8 branches in northern and central Illinois; 7 branches in southern Colorado; 3 branches in New Mexico; 31 branches in central and eastern Colorado; and 2 branches in far western Kansas, as well as a branch office dedicated to deposit gathering activities in Dallas, Texas. Triumph Bancorp, Inc. was founded in 1981 and is headquartered in Dallas, Texas.

About Zions Bancorporation, N.A.

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. It 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. The company 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. It also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, 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, the company offers retail banking services comprising residential mortgages, 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.