58.54 USD
-0.16 (-0.27%)
58.39 USD
-0.15 (-0.26%)
Overall ZION gets a fundamental rating of 4 out of 10. We evaluated ZION against 388 industry peers in the Banks industry. Both the profitability and financial health of ZION have multiple concerns. ZION is not valued too expensively and it also shows a decent growth rate. Finally ZION also has an excellent dividend rating.
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 each of the past 5 years.
Each year in the past 5 years ZION had a positive operating cash flow.
1.2 Ratios
The Return On Assets of ZION (0.93%) is comparable to the rest of the industry.
With an excellent Return On Equity value of 11.99%, ZION belongs to the best of the industry, outperforming 81.19% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 24.83%, ZION is in line with its industry, outperforming 52.58% of the companies in the same 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.
Compared to 5 years ago, ZION has less shares outstanding
ZION has a better debt/assets ratio than last year.
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 has a worse Debt to FCF ratio (5.44) than 73.45% 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.
Looking at the Debt to Equity ratio, with a value of 0.76, ZION is doing worse than 82.99% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.66%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
ZION shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.65%, which is quite good.
The Earnings Per Share has been growing slightly by 3.53% on average over the past years.
ZION shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.98%.
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
ZION is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.26% yearly.
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 10.49, which indicates a very decent valuation of ZION.
Based on the Price/Earnings ratio, ZION is valued a bit cheaper than 73.45% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.51, ZION is valued rather cheaply.
ZION is valuated reasonably with a Price/Forward Earnings ratio of 9.47.
ZION's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ZION is cheaper than 65.21% of the companies in the same industry.
ZION is valuated cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.49 | ||
| Fwd PE | 9.47 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ZION is valued a bit cheaper than the industry average as 72.42% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.99 | ||
| 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)0.53
PEG (5Y)2.97
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.
ZION's Dividend Yield is rather good when compared to the industry average which is at 2.74. ZION pays more dividend than 93.81% of the companies in the same industry.
ZION's Dividend Yield is rather good when compared to the S&P500 average which is at 2.00.
| 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 its dividend for at least 10 years, so it has a reliable track record of non decreasing dividend.
Dividend Growth(5Y)5.8%
Div Incr Years12
Div Non Decr Years14
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 2Y11.66%
EPS Next 3Y9.69%
58.54
-0.16 (-0.27%)
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-1.43%
Market Cap8.64B
Revenue(TTM)3.31B
Net Income(TTM)823.00M
Analysts70.97
Price Target63.68 (8.78%)
Short Float %4.6%
Short Ratio3.68
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-DateN/A
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)1.39%
PT rev (3m)4.05%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)4.17%
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 | 10.49 | ||
| Fwd PE | 9.47 | ||
| P/S | 2.61 | ||
| P/FCF | 8.99 | ||
| P/OCF | 8.06 | ||
| P/B | 1.26 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.58
EY9.53%
EPS(NY)6.18
Fwd EY10.56%
FCF(TTM)6.51
FCFY11.12%
OCF(TTM)7.26
OCFY12.4%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)0.53
PEG (5Y)2.97
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
WACC16.66%
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 for 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.
Can you provide the dividend sustainability for ZION stock?
The dividend rating of ZIONS BANCORP NA (ZION) is 8 / 10 and the dividend payout ratio is 33.17%.