WSBK vs ZION

Winchester Bancorp, Inc. vs Zions Bancorporation N.A. — Valuation Comparison 2026

By CirclFi Research Team · Updated 2026-06-03 · Data from SEC EDGAR, FRED & GDELT

Quick Summary — WSBK scores higher on quality with 7.3/10 vs ZION's 5.6/10. WSBK trades at $12.72 while ZION trades at $62.02. Both analyzed daily using SEC EDGAR data across 13 institutional models.

WSBK

Banks - Regional
Winchester Bancorp, Inc.
Quality
7.3
out of 10
Value Trap
Price
$12.72
Last close
Models
12/13
Active
VS

ZION

Banks - Regional
Zions Bancorporation N.A.
Quality
5.6
out of 10
Value Trap
12
SAFE
Price
$62.02
Last close
Models
12/13
Active
WSBK
2 models active
Limited to 2/13 visible models
ZION
2 models active
Limited to 2/13 visible models

WSBK vs ZION — Fair Value Comparison

WSBK
$0$5$10$15 Price$12.72 Bayesian …$10.35 (-18.6%) Earnings …$10.18 (-20.0%)
ZION
$0$24$49$73 Price$62.02 Bayesian …$31.70 (-48.9%) Earnings …$41.50 (-33.1%)
Market Price Model 1 Model 2

Model-by-Model Comparison

ModelType WSBK Fair ValueWSBK Upside ZION Fair ValueZION Upside
Bayesian DCF Intrinsic $10.35 -18.6% $31.70 -48.9%
Earnings Power Value Intrinsic $10.18 -20.0% $41.50 -33.1%
EROIC Spread Intrinsic $•••.•• ••.•% $•••.•• ••.•%
First Chicago Scenario $•••.•• ••.•% $•••.•• ••.•%
Markov DDM Intrinsic $•••.•• ••.•% $•••.•• ••.•%
ML-RIV Intrinsic $•••.•• ••.•% $•••.•• ••.•%
Dynamic NAV Asset-Based $•••.•• ••.•% $•••.•• ••.•%
Regime Cross-Sectional Relative $•••.•• ••.•% $•••.•• ••.•%
Sentiment SOTP Hybrid $•••.•• ••.•% $•••.•• ••.•%
CUCE Ensemble Ensemble $•••.•• ••.•% $•••.•• ••.•%
FTNN Topology Relative $•••.•• ••.•% $•••.•• ••.•%
RCMH-DCF Intrinsic $•••.•• ••.•% $•••.•• ••.•%

WSBK vs ZION — Which Stock Is More Undervalued in 2026?

WSBK scores higher with a 7.3/10 quality rating vs ZION's 5.6/10. Both stocks are analyzed daily using SEC EDGAR filings across 13 independent models.

How Do WSBK and ZION Valuations Compare?

At $12.72, WSBK trades +18.6% above its Bayesian DCF fair value of $10.35, while ZION at $62.02 trades +48.9% above its estimate of $31.70. ZION shows a wider gap between price and intrinsic value.

Quality of Company: WSBK vs ZION

WSBK earns a Quality of Company score of 7.3/10 compared to ZION's 5.6/10. This moderate difference suggests one company has an edge in fundamental quality, though both may offer investment merit depending on valuation. The QOC score synthesizes 32 signals spanning profitability margins, revenue growth, free cash flow, capital allocation, and leverage.

Value Trap Risk: WSBK vs ZION

Review the value trap analysis for both WSBK and ZION to assess whether apparent undervaluation reflects genuine opportunity or hidden fundamental risk.

Both in Banks - Regional

Both WSBK and ZION operate in Banks - Regional, which has 329 stocks tracked by CirclFi. Same-industry comparisons provide the most direct insight into relative valuation since both companies face similar regulatory environments, market dynamics, and competitive pressures. Both companies are analyzed with models spanning intrinsic (Bayesian DCF, EPV), scenario-based (First Chicago), regime-switching (Markov DDM, RCMH-DCF), machine learning (ML-RIV, FTNN), and ensemble methods (CUCE).

2 of 13 MODELS UNLOCKED

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