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ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

USA - NASDAQ:ZION - US9897011071 - Common Stock

49.67 USD
+2.74 (+5.84%)
Last: 10/17/2025, 8:00:02 PM
49.8488 USD
+0.18 (+0.36%)
After Hours: 10/17/2025, 8:00:02 PM
Fundamental Rating

3

ZION gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 391 industry peers in the Banks industry. ZION has a bad profitability rating. Also its financial health evaluation is rather negative. ZION has a correct valuation and a medium growth rate. ZION also has an excellent dividend rating.


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.
In the past 5 years ZION has always been profitable.
Each year in the past 5 years ZION 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 2024 500M 1B

1.2 Ratios

The Return On Assets of ZION (0.91%) is comparable to the rest of the industry.
ZION has a better Return On Equity (12.23%) than 83.89% of its industry peers.
Industry RankSector Rank
ROA 0.91%
ROE 12.23%
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
ZION Yearly ROA, ROE, ROICZION Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

ZION's Profit Margin of 24.87% is in line compared to the rest of the industry. ZION outperforms 56.78% 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) 24.87%
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
ZION Yearly Profit, Operating, Gross MarginsZION Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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.
The number of shares outstanding for ZION remains at a similar level compared to 1 year ago.
The number of shares outstanding for ZION has been reduced compared to 5 years ago.
The debt/assets ratio for ZION has been reduced compared to a year ago.
ZION Yearly Shares OutstandingZION Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 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 2024 20B 40B 60B 80B

2.2 Solvency

ZION has a debt to FCF ratio of 10.92. This is a negative value and a sign of low solvency as ZION would need 10.92 years to pay back of all of its debts.
The Debt to FCF ratio of ZION (10.92) is worse than 79.28% of its industry peers.
ZION has a Debt/Equity ratio of 1.07. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 1.07, ZION is doing worse than 85.42% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF 10.92
Altman-Z N/A
ROIC/WACCN/A
WACC17.64%
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 2024 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 2024 2B 4B 6B 8B 10B

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3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 17.13% over the past year.
The Earnings Per Share has been growing slightly by 3.53% on average over the past years.
ZION shows a small growth in Revenue. In the last year, the Revenue has grown by 7.66%.
Measured over the past years, ZION shows a small growth in Revenue. The Revenue has been growing by 2.01% on average per year.
EPS 1Y (TTM)17.13%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%26.36%
Revenue 1Y (TTM)7.66%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.99%

3.2 Future

ZION is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.73% yearly.
ZION is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.08% yearly.
EPS Next Y18.14%
EPS Next 2Y10.05%
EPS Next 3Y8.48%
EPS Next 5Y3.73%
Revenue Next Year7.49%
Revenue Next 2Y6%
Revenue Next 3Y5.44%
Revenue Next 5Y3.08%

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.
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.
ZION Yearly Revenue VS EstimatesZION Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1B 2B 3B 4B
ZION Yearly EPS VS EstimatesZION Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 9.08 indicates a reasonable valuation of ZION.
Based on the Price/Earnings ratio, ZION is valued cheaper than 84.14% of the companies in the same industry.
When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (27.42), we can say ZION is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.27, the valuation of ZION can be described as reasonable.
Based on the Price/Forward Earnings ratio, ZION is valued a bit cheaper than the industry average as 72.38% 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 22.94.
Industry RankSector Rank
PE 9.08
Fwd PE 8.27
ZION Price Earnings VS Forward Price EarningsZION Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

Compared to the rest of the industry, the Price/Free Cash Flow ratio of ZION is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.37
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

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.5
PEG (5Y)2.57
EPS Next 2Y10.05%
EPS Next 3Y8.48%

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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 3.61, ZION pays a better dividend. On top of this ZION pays more dividend than 90.79% of the companies listed in the same industry.
ZION's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
Industry RankSector Rank
Dividend Yield 6.05%

5.2 History

The dividend of ZION has a limited annual growth rate of 5.80%.
ZION has paid a dividend for at least 10 years, which is 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
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

34.32% of the earnings are spent on dividend by ZION. This is a low number and sustainable payout ratio.
ZION's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP34.32%
EPS Next 2Y10.05%
EPS Next 3Y8.48%
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 2024 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 (10/17/2025, 8:00:02 PM)

After market: 49.8488 +0.18 (+0.36%)

49.67

+2.74 (+5.84%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-21 2025-07-21/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners79.42%
Inst Owner Change0.01%
Ins Owners1.75%
Ins Owner Change-0.16%
Market Cap7.33B
Analysts67.33
Price Target62.17 (25.17%)
Short Float %4.61%
Short Ratio4.35
Dividend
Industry RankSector Rank
Dividend Yield 6.05%
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP34.32%
Div Incr Years12
Div Non Decr Years14
Ex-Date08-14 2025-08-14 (0.45)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)7.77%
Min EPS beat(2)-6.32%
Max EPS beat(2)21.85%
EPS beat(4)3
Avg EPS beat(4)8.69%
Min EPS beat(4)-6.32%
Max EPS beat(4)21.85%
EPS beat(8)5
Avg EPS beat(8)8.74%
EPS beat(12)6
Avg EPS beat(12)4.13%
EPS beat(16)9
Avg EPS beat(16)3.58%
Revenue beat(2)1
Avg Revenue beat(2)-0.45%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)1.31%
Revenue beat(4)2
Avg Revenue beat(4)0.16%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)1.87%
Revenue beat(8)3
Avg Revenue beat(8)-1.08%
Revenue beat(12)4
Avg Revenue beat(12)-0.96%
Revenue beat(16)6
Avg Revenue beat(16)-0.97%
PT rev (1m)1.58%
PT rev (3m)16.34%
EPS NQ rev (1m)0.27%
EPS NQ rev (3m)7.43%
EPS NY rev (1m)0%
EPS NY rev (3m)11.21%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)2.02%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)2.07%
Valuation
Industry RankSector Rank
PE 9.08
Fwd PE 8.27
P/S 2.26
P/FCF 11.37
P/OCF 9.74
P/B 1.11
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)5.47
EY11.01%
EPS(NY)6.01
Fwd EY12.09%
FCF(TTM)4.37
FCFY8.8%
OCF(TTM)5.1
OCFY10.27%
SpS21.98
BVpS44.68
TBVpS37.26
PEG (NY)0.5
PEG (5Y)2.57
Profitability
Industry RankSector Rank
ROA 0.91%
ROE 12.23%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 24.87%
GM N/A
FCFM 19.88%
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
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 3Y-14.59%
PM growth 5Y-3.18%
GM growth 3YN/A
GM growth 5YN/A
F-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 1.07
Debt/FCF 10.92
Debt/EBITDA N/A
Cap/Depr 91.53%
Cap/Sales 3.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 79.93%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC17.64%
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)17.13%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%26.36%
EPS Next Y18.14%
EPS Next 2Y10.05%
EPS Next 3Y8.48%
EPS Next 5Y3.73%
Revenue 1Y (TTM)7.66%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.99%
Revenue Next Year7.49%
Revenue Next 2Y6%
Revenue Next 3Y5.44%
Revenue Next 5Y3.08%
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-52.01%
FCF growth 3Y35.44%
FCF growth 5Y12.63%
OCF growth 1Y-49.29%
OCF growth 3Y22.21%
OCF growth 5Y10.49%