ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

NASDAQ:ZION • US9897011071

61.37 USD
+1.18 (+1.96%)
Last: Feb 13, 2026, 11:47 AM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

ZION gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 381 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 it does not seem to be growing. ZION also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • In the past year ZION was profitable.
  • In the past year ZION had a positive cash flow from operations.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

  • ZION has a Return On Assets of 0.93%. This is comparable to the rest of the industry: ZION outperforms 52.76% of its industry peers.
  • ZION has a better Return On Equity (11.99%) than 81.10% of its industry peers.
Industry RankSector 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
ZION Yearly ROA, ROE, ROICZION Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • ZION has a Profit Margin of 24.83%. This is comparable to the rest of the industry: ZION outperforms 52.49% of its industry peers.
  • In the last couple of years the Profit Margin of ZION has declined.
  • 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) 24.83%
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
ZION Yearly Profit, Operating, Gross MarginsZION Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • ZION does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • There is no outstanding debt for ZION. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
ZION Yearly Shares OutstandingZION Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

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 73.49% 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 81.63% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 5.44
Altman-Z N/A
ROIC/WACCN/A
WACC16.4%
ZION Yearly LT Debt VS Equity VS FCFZION Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.97% over the past year.
  • The Earnings Per Share has been growing by 14.49% on average over the past years. This is quite good.
EPS 1Y (TTM)20.97%
EPS 3Y1.14%
EPS 5Y14.49%
EPS Q2Q%31.34%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.66%

3.2 Future

  • Based on estimates for the next years, ZION will show a small growth in Earnings Per Share. The EPS will grow by 3.33% on average per year.
  • The Revenue is expected to grow by 3.12% on average over the next years.
EPS Next Y5.46%
EPS Next 2Y5.46%
EPS Next 3Y5.7%
EPS Next 5Y3.33%
Revenue Next Year4.93%
Revenue Next 2Y4.65%
Revenue Next 3Y4.15%
Revenue Next 5Y3.12%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
ZION Yearly Revenue VS EstimatesZION Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1B 2B 3B 4B
ZION Yearly EPS VS EstimatesZION Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • ZION is valuated reasonably with a Price/Earnings ratio of 10.23.
  • Based on the Price/Earnings ratio, ZION is valued cheaply inside the industry as 83.20% of the companies are valued more expensively.
  • ZION is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • With a Price/Forward Earnings ratio of 9.70, the valuation of ZION can be described as very reasonable.
  • 74.80% of the companies in the same industry are more expensive than ZION, based on the Price/Forward Earnings ratio.
  • ZION's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.69.
Industry RankSector Rank
PE 10.23
Fwd PE 9.7
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

  • 75.07% of the companies in the same industry are more expensive than ZION, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 9.43
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 high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
PEG (NY)1.87
PEG (5Y)0.71
EPS Next 2Y5.46%
EPS Next 3Y5.7%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.95%, ZION has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.53, ZION pays a bit more dividend than its industry peers.
  • Compared to an average S&P500 Dividend Yield of 1.80, ZION pays a better dividend.
Industry RankSector Rank
Dividend Yield 2.95%

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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • ZION pays out 33.17% of its income as dividend. This is a sustainable payout ratio.
  • ZION's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.17%
EPS Next 2Y5.46%
EPS Next 3Y5.7%
ZION Yearly Income VS Free CF VS DividendZION Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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 (2/13/2026, 11:47:04 AM)

61.37

+1.18 (+1.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners81.2%
Inst Owner Change-1.56%
Ins Owners1.61%
Ins Owner Change-0.81%
Market Cap9.06B
Revenue(TTM)N/A
Net Income(TTM)823.00M
Analysts71.33
Price Target67.91 (10.66%)
Short Float %4.42%
Short Ratio4
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP33.17%
Div Incr Years12
Div Non Decr Years14
Ex-Date02-12
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)6.65%
PT rev (3m)7.94%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)0.34%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)3.4%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 10.23
Fwd PE 9.7
P/S 2.73
P/FCF 9.43
P/OCF 8.45
P/B 1.32
P/tB 1.57
EV/EBITDA N/A
EPS(TTM)6
EY9.78%
EPS(NY)6.33
Fwd EY10.31%
FCF(TTM)6.51
FCFY10.61%
OCF(TTM)7.26
OCFY11.83%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)1.87
PEG (5Y)0.71
Graham Number79.23
Profitability
Industry RankSector 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 RankSector 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
WACC16.4%
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)20.97%
EPS 3Y1.14%
EPS 5Y14.49%
EPS Q2Q%31.34%
EPS Next Y5.46%
EPS Next 2Y5.46%
EPS Next 3Y5.7%
EPS Next 5Y3.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.66%
Revenue Next Year4.93%
Revenue Next 2Y4.65%
Revenue Next 3Y4.15%
Revenue Next 5Y3.12%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5Y7.39%
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 3 / 10 to ZION.


What is the valuation status for ZION stock?

ChartMill assigns a valuation rating of 5 / 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 1 / 10.


Can you provide the dividend sustainability for ZION stock?

The dividend rating of ZIONS BANCORP NA (ZION) is 7 / 10 and the dividend payout ratio is 33.17%.