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ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

NASDAQ:ZION - Nasdaq - US9897011071 - Common Stock - Currency: USD

55.12  -1.34 (-2.37%)

After market: 55.12 0 (0%)

Fundamental Rating

3

Taking everything into account, ZION scores 3 out of 10 in our fundamental rating. ZION was compared to 404 industry peers in the Banks industry. Both the profitability and financial health of ZION have multiple concerns. ZION has a valuation in line with the averages, but on the other hand it scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

ZION had positive earnings in the past year.
ZION had a positive operating cash flow in the past year.
ZION had positive earnings in 4 of the past 5 years.
Of the past 5 years ZION 4 years had a positive operating cash flow.
ZION Yearly Net Income VS EBIT VS OCF VS FCFZION Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 500M 1B

1.2 Ratios

ZION has a Return On Assets (0.74%) which is comparable to the rest of the industry.
ZION has a better Return On Equity (10.13%) than 72.86% of its industry peers.
Industry RankSector Rank
ROA 0.74%
ROE 10.13%
ROIC N/A
ROA(3y)0.96%
ROA(5y)0.92%
ROE(3y)14.55%
ROE(5y)12.11%
ROIC(3y)N/A
ROIC(5y)N/A
ZION Yearly ROA, ROE, ROICZION Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 5 10 15

1.3 Margins

ZION's Profit Margin of 21.28% is in line compared to the rest of the industry. ZION outperforms 44.97% of its industry peers.
ZION's Profit Margin has declined in the last couple of years.
ZION does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 21.28%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.7%
PM growth 5Y-7.42%
GM growth 3YN/A
GM growth 5YN/A
ZION Yearly Profit, Operating, Gross MarginsZION Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 10 20 30

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1

2. Health

2.1 Basic Checks

ZION does not have a ROIC to compare to the WACC, probably because it is not profitable.
ZION has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ZION Yearly Shares OutstandingZION Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 50M 100M 150M 200M
ZION Yearly Total Debt VS Total AssetsZION Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 20B 40B 60B 80B

2.2 Solvency

The Debt to FCF ratio of ZION is 12.04, which is on the high side as it means it would take ZION, 12.04 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 12.04, ZION is doing worse than 74.62% of the companies in the same industry.
ZION has a Debt/Equity ratio of 0.54. This is a neutral value indicating ZION is somewhat dependend on debt financing.
ZION has a worse Debt to Equity ratio (0.54) than 77.89% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 12.04
Altman-Z N/A
ROIC/WACCN/A
WACC11.64%
ZION Yearly LT Debt VS Equity VS FCFZION Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ZION Yearly Current Assets VS Current LiabilitesZION Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2B 4B 6B 8B 10B

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3

3. Growth

3.1 Past

ZION shows a small growth in Earnings Per Share. In the last year, the EPS has grown by 2.06%.
The Earnings Per Share has been growing slightly by 3.53% on average over the past years.
EPS 1Y (TTM)2.06%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%3.88%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.18%

3.2 Future

The Earnings Per Share is expected to grow by 4.71% on average over the next years.
ZION is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.40% yearly.
EPS Next Y8.54%
EPS Next 2Y8.84%
EPS Next 3Y6.43%
EPS Next 5Y4.71%
Revenue Next Year6.1%
Revenue Next 2Y5.53%
Revenue Next 3Y4.81%
Revenue Next 5Y2.4%

3.3 Evolution

The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
ZION Yearly Revenue VS EstimatesZION Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 1B 2B 3B
ZION Yearly EPS VS EstimatesZION Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2 4 6 8

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4

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 11.11 indicates a reasonable valuation of ZION.
Based on the Price/Earnings ratio, ZION is valued a bit cheaper than 73.12% of the companies in the same industry.
When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (30.30), we can say ZION is valued rather cheaply.
With a Price/Forward Earnings ratio of 10.24, the valuation of ZION can be described as very reasonable.
Based on the Price/Forward Earnings ratio, ZION is valued a bit cheaper than the industry average as 71.61% of the companies are valued more expensively.
ZION's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.06.
Industry RankSector Rank
PE 11.11
Fwd PE 10.24
ZION Price Earnings VS Forward Price EarningsZION Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

74.87% of the companies in the same industry are cheaper than ZION, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 28.3
EV/EBITDA N/A
ZION Per share dataZION EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

ZION's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.3
PEG (5Y)3.15
EPS Next 2Y8.84%
EPS Next 3Y6.43%

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6

5. Dividend

5.1 Amount

ZION has a Yearly Dividend Yield of 3.10%.
ZION's Dividend Yield is a higher than the industry average which is at 3.16.
ZION's Dividend Yield is a higher than the S&P500 average which is at 2.29.
Industry RankSector Rank
Dividend Yield 3.1%

5.2 History

The dividend of ZION is nicely growing with an annual growth rate of 9.19%!
ZION has been paying a dividend for at least 10 years, so it has a reliable track record.
ZION has not decreased their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)9.19%
Div Incr Years12
Div Non Decr Years14
ZION Yearly Dividends per shareZION Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

ZION pays out 44.20% of its income as dividend. This is a bit on the high side, but may be sustainable.
ZION's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP44.2%
EPS Next 2Y8.84%
EPS Next 3Y6.43%
ZION Yearly Income VS Free CF VS DividendZION Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B
ZION Dividend Payout.ZION Dividend Payout, showing the Payout Ratio.ZION Dividend Payout.PayoutRetained Earnings

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ZIONS BANCORP NA

NASDAQ:ZION (2/20/2025, 8:00:02 PM)

After market: 55.12 0 (0%)

55.12

-1.34 (-2.37%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-21 2025-01-21/amc
Earnings (Next)04-21 2025-04-21/amc
Inst Owners78.48%
Inst Owner Change2.85%
Ins Owners1.97%
Ins Owner Change-3.1%
Market Cap8.15B
Analysts66.43
Price Target64.02 (16.15%)
Short Float %2.83%
Short Ratio3.28
Dividend
Industry RankSector Rank
Dividend Yield 3.1%
Yearly Dividend1.9
Dividend Growth(5Y)9.19%
DP44.2%
Div Incr Years12
Div Non Decr Years14
Ex-Date02-13 2025-02-13 (0.43)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)15.18%
Min EPS beat(2)14.92%
Max EPS beat(2)15.44%
EPS beat(4)3
Avg EPS beat(4)13.48%
Min EPS beat(4)-3.84%
Max EPS beat(4)27.4%
EPS beat(8)4
Avg EPS beat(8)5.33%
EPS beat(12)6
Avg EPS beat(12)2.65%
EPS beat(16)10
Avg EPS beat(16)13.45%
Revenue beat(2)1
Avg Revenue beat(2)-0.06%
Min Revenue beat(2)-0.31%
Max Revenue beat(2)0.18%
Revenue beat(4)1
Avg Revenue beat(4)-1.89%
Min Revenue beat(4)-5.28%
Max Revenue beat(4)0.18%
Revenue beat(8)2
Avg Revenue beat(8)-1.53%
Revenue beat(12)4
Avg Revenue beat(12)-1.07%
Revenue beat(16)7
Avg Revenue beat(16)-0.68%
PT rev (1m)4.52%
PT rev (3m)21.81%
EPS NQ rev (1m)1.44%
EPS NQ rev (3m)1.89%
EPS NY rev (1m)0.31%
EPS NY rev (3m)0.49%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)0.13%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.03%
Valuation
Industry RankSector Rank
PE 11.11
Fwd PE 10.24
P/S 2.68
P/FCF 28.3
P/OCF 21.12
P/B 1.28
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)4.96
EY9%
EPS(NY)5.38
Fwd EY9.77%
FCF(TTM)1.95
FCFY3.53%
OCF(TTM)2.61
OCFY4.74%
SpS20.57
BVpS43.18
TBVpS36.06
PEG (NY)1.3
PEG (5Y)3.15
Profitability
Industry RankSector Rank
ROA 0.74%
ROE 10.13%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 21.28%
GM N/A
FCFM 9.47%
ROA(3y)0.96%
ROA(5y)0.92%
ROE(3y)14.55%
ROE(5y)12.11%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.7%
PM growth 5Y-7.42%
GM growth 3YN/A
GM growth 5YN/A
F-Score4
Asset Turnover0.03
Health
Industry RankSector Rank
Debt/Equity 0.54
Debt/FCF 12.04
Debt/EBITDA N/A
Cap/Depr 77.17%
Cap/Sales 3.22%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 44.51%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score4
WACC11.64%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)5.58%
Cap/Sales(5y)5.4%
Profit Quality(3y)102.09%
Profit Quality(5y)98.08%
High Growth Momentum
Growth
EPS 1Y (TTM)2.06%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%3.88%
EPS Next Y8.54%
EPS Next 2Y8.84%
EPS Next 3Y6.43%
EPS Next 5Y4.71%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%12.18%
Revenue Next Year6.1%
Revenue Next 2Y5.53%
Revenue Next 3Y4.81%
Revenue Next 5Y2.4%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3Y-3.63%
EBIT Next 5YN/A
FCF growth 1Y-69.2%
FCF growth 3Y12.1%
FCF growth 5Y-5.91%
OCF growth 1Y-66.2%
OCF growth 3Y7.17%
OCF growth 5Y-5.53%