First Financial Bankshares (FFIN) vs Zions Bancorporation N.A. (ZION)
Head-to-head comparison of performance, valuation, growth, profitability and dividends. Prices delayed 15 minutes; data as of Oct 9, 2026.
Summary
Zions Bancorporation N.A. (ZION) has outperformed First Financial Bankshares (FFIN) over the past year, gaining 11.8% versus a loss of 5.9%. Over five years, ZION leads with a +0.9% price change compared with -34.1% for FFIN. Zions Bancorporation N.A. is the larger company by market cap ($9.16 billion vs $4.50 billion), about 2.0 times the size, while First Financial Bankshares is growing revenue faster (+14.7% vs +3.6%).
On valuation, Zions Bancorporation N.A. trades at a lower forward P/E (9.2x vs 14.6x for First Financial Bankshares). Zions Bancorporation N.A. offers the higher dividend yield (2.87% vs 2.51%). Zions Bancorporation N.A. converts more of its revenue into profit, with a net margin of 135.8% versus 40.1%.
Summary generated from market data by MetaCap's automated system. Methodology
Relative performance
Percent change in share price from the first common trading day shown; excludes dividends.
Head-to-head
| Metric | FFIN | ZION |
|---|---|---|
| Share price | $31.43 | $62.73 |
| Market cap | $4.50B | $9.16B |
| 1-day change | +0.13% | +1.31% |
| YTD return | +5.22% | +7.16% |
| 1-year return | -5.87% | +11.82% |
| 5-year return | -34.11% | +0.95% |
| P/E ratio (TTM) | 16.81 | 7.99 |
| Forward P/E | 14.55 | 9.20 |
| EPS (TTM) | $1.87 | $7.85 |
| Dividend yield | 2.51% | 2.87% |
| Annual dividend | $0.79 | $1.80 |
| Revenue (latest FY) | $631.60M | $662.00M |
| Revenue growth (YoY) | +14.68% | +3.60% |
| Net income (latest FY) | $253.58M | $899.00M |
| Net margin | 40.15% | 135.80% |
| 52-week high | $36.52 | $73.34 |
| 52-week low | $28.12 | $46.19 |
| Distance from 52-week high | -13.94% | -14.47% |
| Analyst consensus | hold | hold |
| Avg. price target upside | +15.46% | +16.59% |
| Average volume | 754.55K | 1.52M |
| Shares outstanding | 143.33M | 145.95M |
| Employees | 1,500 | 9,039 |
| Sector | Financial Services | Financial Services |
| Industry | Banks - Regional | Banks - Regional |
Highlighted cells mark the higher value for growth, returns, margins and yield, and the lower value for P/E ratios. Highlighting is a mechanical comparison, not a recommendation.
Key differences
- Zions Bancorporation N.A. is about 2.0 times larger than First Financial Bankshares by market value ($9.16B vs $4.50B).
- ZION has outperformed FFIN by 17.7 percentage points over the past year.
- First Financial Bankshares trades at a higher earnings multiple (16.8x vs 8.0x trailing P/E).
- Zions Bancorporation N.A. is more profitable, keeping 135.8 cents of every revenue dollar as net income versus 40.1 cents for First Financial Bankshares.
- First Financial Bankshares grew revenue faster in its latest fiscal year (+14.68% vs +3.60%).
About First Financial Bankshares
FFIN stock →First Financial Bankshares, Inc., through its subsidiaries, provides banking services in the United States. The company offers general commercial banking services, including checking, savings and time deposits, loans, automated teller machines, drive-in and night deposit services, safe deposit facilities, remote deposit capture, internet banking, mobile banking, payroll cards, funds transfer, and other customary commercial banking service, as well as securities brokerage services.
Financial Services · Banks - Regional · 1,500 employees
About Zions Bancorporation N.A.
ZION stock →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.
Financial Services · Banks - Regional · 9,039 employees
FFIN vs ZION FAQ
Which is bigger, First Financial Bankshares or Zions Bancorporation N.A.?
Zions Bancorporation N.A. (ZION) is larger, with a market capitalization of $9.16B compared with $4.50B for First Financial Bankshares (FFIN).
Which stock has performed better over the past year, FFIN or ZION?
ZION returned +11.82% over the past 12 months, compared with -5.87% for FFIN (price return, excluding dividends). Past performance does not predict future results.
Which has the lower P/E ratio, FFIN or ZION?
ZION has the lower trailing P/E at 8.0, versus 16.8 for FFIN. A lower P/E is not by itself a sign of a better investment; it can reflect slower expected growth or higher risk.
Which pays a higher dividend, First Financial Bankshares or Zions Bancorporation N.A.?
Zions Bancorporation N.A. has the higher yield at 2.87%, compared with 2.51% for First Financial Bankshares.
Are First Financial Bankshares and Zions Bancorporation N.A. in the same industry?
Yes. Both are classified in the Banks - Regional industry within the Financial Services sector.