59.94 USD
+0.38 (+0.64%)
59.94 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to ZION. ZION was compared to 388 industry peers in the Banks industry. ZION has a bad profitability rating. Also its financial health evaluation is rather negative. ZION has a decent growth rate and is not valued too expensively. Finally ZION also has an excellent dividend rating.
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.
In the past 5 years ZION has always been profitable.
ZION had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
ZION's Return On Assets of 0.93% is in line compared to the rest of the industry. ZION outperforms 53.87% of its industry peers.
The Return On Equity of ZION (11.99%) is better than 81.44% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 11.99% | ||
| ROIC | N/A |
ROA(3y)0.84%
ROA(5y)0.86%
ROE(3y)13.66%
ROE(5y)12.38%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Profit Margin of ZION (24.83%) is comparable to the rest of the industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 24.83% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.59%
PM growth 5Y-3.18%
GM growth 3YN/A
GM growth 5YN/A
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 about the same amout of shares outstanding than it did 1 year ago.
The number of shares outstanding for ZION has been reduced compared to 5 years ago.
Compared to 1 year ago, ZION has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of ZION is 5.44, which is a neutral value as it means it would take ZION, 5.44 years of fcf income to pay off all of its debts.
ZION's Debt to FCF ratio of 5.44 is on the low side compared to the rest of the industry. ZION is outperformed by 72.94% of its industry peers.
ZION has a Debt/Equity ratio of 0.76. This is a neutral value indicating ZION is somewhat dependend on debt financing.
ZION has a worse Debt to Equity ratio (0.76) than 82.99% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The Earnings Per Share has grown by an nice 13.65% over the past year.
The Earnings Per Share has been growing slightly by 3.53% on average over the past years.
Looking at the last year, ZION shows a quite strong growth in Revenue. The Revenue has grown by 8.98% in the last year.
The Revenue has been growing slightly by 2.01% on average over the past years.
EPS 1Y (TTM)13.65%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%8.03%
Revenue 1Y (TTM)8.98%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%8.71%
3.2 Future
The Earnings Per Share is expected to grow by 3.26% on average over the next years.
Based on estimates for the next years, ZION will show a small growth in Revenue. The Revenue will grow by 2.96% on average per year.
EPS Next Y19.93%
EPS Next 2Y11.66%
EPS Next 3Y9.69%
EPS Next 5Y3.26%
Revenue Next Year8.21%
Revenue Next 2Y6.26%
Revenue Next 3Y5.65%
Revenue Next 5Y2.96%
3.3 Evolution
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.74, which indicates a very decent valuation of ZION.
Compared to the rest of the industry, the Price/Earnings ratio of ZION indicates a somewhat cheap valuation: ZION is cheaper than 76.55% of the companies listed in the same industry.
ZION is valuated cheaply when we compare the Price/Earnings ratio to 26.39, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 9.69, the valuation of ZION can be described as very reasonable.
ZION's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ZION is cheaper than 65.46% of the companies in the same industry.
ZION is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.84, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.74 | ||
| Fwd PE | 9.69 |
4.2 Price Multiples
73.71% of the companies in the same industry are more expensive than ZION, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.21 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ZION's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.54
PEG (5Y)3.04
EPS Next 2Y11.66%
EPS Next 3Y9.69%
5. Dividend
5.1 Amount
ZION has a Yearly Dividend Yield of 6.05%, which is a nice return.
Compared to an average industry Dividend Yield of 2.74, ZION pays a better dividend. On top of this ZION pays more dividend than 92.78% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 1.87, ZION pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.05% |
5.2 History
The dividend of ZION has a limited annual growth rate of 5.80%.
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)5.8%
Div Incr Years12
Div Non Decr Years14
5.3 Sustainability
33.17% of the earnings are spent on dividend by ZION. This is a low number and sustainable payout ratio.
The dividend of ZION is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.17%
EPS Next 2Y11.66%
EPS Next 3Y9.69%
59.94
+0.38 (+0.64%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.17%
Inst Owner Change2.35%
Ins Owners1.72%
Ins Owner Change-0.59%
Market Cap8.85B
Revenue(TTM)3.31B
Net Income(TTM)823.00M
Analysts70.97
Price Target63.68 (6.24%)
Short Float %4.4%
Short Ratio3.21
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.05% |
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP33.17%
Div Incr Years12
Div Non Decr Years14
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.32%
Min EPS beat(2)2.79%
Max EPS beat(2)21.85%
EPS beat(4)3
Avg EPS beat(4)5.66%
Min EPS beat(4)-6.32%
Max EPS beat(4)21.85%
EPS beat(8)6
Avg EPS beat(8)9.57%
EPS beat(12)7
Avg EPS beat(12)5.44%
EPS beat(16)9
Avg EPS beat(16)3.4%
Revenue beat(2)2
Avg Revenue beat(2)0.71%
Min Revenue beat(2)0.12%
Max Revenue beat(2)1.31%
Revenue beat(4)3
Avg Revenue beat(4)0.27%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)1.87%
Revenue beat(8)4
Avg Revenue beat(8)-0.81%
Revenue beat(12)5
Avg Revenue beat(12)-0.93%
Revenue beat(16)7
Avg Revenue beat(16)-0.73%
PT rev (1m)1.21%
PT rev (3m)4.05%
EPS NQ rev (1m)0.16%
EPS NQ rev (3m)4.14%
EPS NY rev (1m)0.46%
EPS NY rev (3m)1.52%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)0.74%
Revenue NY rev (1m)0.09%
Revenue NY rev (3m)0.59%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.74 | ||
| Fwd PE | 9.69 | ||
| P/S | 2.67 | ||
| P/FCF | 9.21 | ||
| P/OCF | 8.26 | ||
| P/B | 1.29 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.58
EY9.31%
EPS(NY)6.18
Fwd EY10.32%
FCF(TTM)6.51
FCFY10.86%
OCF(TTM)7.26
OCFY12.11%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)0.54
PEG (5Y)3.04
Graham Number76.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 11.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.83% | ||
| GM | N/A | ||
| FCFM | 29% |
ROA(3y)0.84%
ROA(5y)0.86%
ROE(3y)13.66%
ROE(5y)12.38%
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
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-14.59%
PM growth 5Y-3.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 95.69% | ||
| Cap/Sales | 3.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC16.56%
ROIC/WACCN/A
Cap/Depr(3y)110.56%
Cap/Depr(5y)N/A
Cap/Sales(3y)4.25%
Cap/Sales(5y)5.19%
Profit Quality(3y)137.18%
Profit Quality(5y)111.96%
High Growth Momentum
Growth
EPS 1Y (TTM)13.65%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%8.03%
EPS Next Y19.93%
EPS Next 2Y11.66%
EPS Next 3Y9.69%
EPS Next 5Y3.26%
Revenue 1Y (TTM)8.98%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%8.71%
Revenue Next Year8.21%
Revenue Next 2Y6.26%
Revenue Next 3Y5.65%
Revenue Next 5Y2.96%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-36.1%
FCF growth 3Y35.44%
FCF growth 5Y12.63%
OCF growth 1Y-33.99%
OCF growth 3Y22.21%
OCF growth 5Y10.49%
ZIONS BANCORP NA / ZION FAQ
What is the ChartMill fundamental rating of ZIONS BANCORP NA (ZION) stock?
ChartMill assigns a fundamental rating of 4 / 10 to ZION.
What is the valuation status of ZIONS BANCORP NA (ZION) stock?
ChartMill assigns a valuation rating of 6 / 10 to ZIONS BANCORP NA (ZION). This can be considered as Fairly Valued.
Can you provide the profitability details for ZIONS BANCORP NA?
ZIONS BANCORP NA (ZION) has a profitability rating of 3 / 10.
What is the financial health of ZIONS BANCORP NA (ZION) stock?
The financial health rating of ZIONS BANCORP NA (ZION) is 2 / 10.
Is the dividend of ZIONS BANCORP NA sustainable?
The dividend rating of ZIONS BANCORP NA (ZION) is 8 / 10 and the dividend payout ratio is 33.17%.