ZIONS BANCORP NA (ZION) Stock Fundamental Analysis
USA - NASDAQ:ZION - US9897011071 - Common Stock
55.99 USD
-1.08 (-1.89%)
ZION gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 392 industry peers in the Banks industry. Both the profitability and financial health of ZION have multiple concerns. ZION has a correct valuation and a medium growth rate. Finally ZION also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ZION was profitable.
ZION had a positive operating cash flow in the past year.
ZION had positive earnings in each of the past 5 years.
In the past 5 years ZION always reported a positive cash flow from operatings.
1.2 Ratios
ZION has a Return On Assets of 0.91%. This is comparable to the rest of the industry: ZION outperforms 53.57% of its industry peers.
With an excellent Return On Equity value of 12.23%, ZION belongs to the best of the industry, outperforming 83.42% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
The Profit Margin of ZION (24.87%) is comparable to the rest of the industry.
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 Rank | Sector 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
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.
ZION has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ZION has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 10.92, ZION is doing worse than 77.55% of the companies in the same industry.
A Debt/Equity ratio of 1.07 is on the high side and indicates that ZION has dependencies on debt financing.
ZION has a worse Debt to Equity ratio (1.07) than 84.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.07 | ||
| Debt/FCF | 10.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.98%
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 17.13%, which is quite good.
ZION shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.53% yearly.
ZION shows a small growth in Revenue. In the last year, the Revenue has grown by 7.66%.
ZION shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.01% yearly.
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
Based on estimates for the next years, ZION will show a small growth in Earnings Per Share. The EPS will grow by 3.73% on average per year.
ZION is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.08% yearly.
EPS Next Y17.98%
EPS Next 2Y10.02%
EPS Next 3Y8.37%
EPS Next 5Y3.73%
Revenue Next Year7.58%
Revenue Next 2Y5.97%
Revenue Next 3Y5.34%
Revenue Next 5Y3.08%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings ratio is 10.24, which indicates a very decent valuation of ZION.
ZION's Price/Earnings ratio is a bit cheaper when compared to the industry. ZION is cheaper than 78.83% of the companies in the same industry.
When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (27.27), we can say ZION is valued rather cheaply.
ZION is valuated reasonably with a Price/Forward Earnings ratio of 9.33.
64.54% of the companies in the same industry are more expensive than ZION, based on the Price/Forward Earnings ratio.
ZION is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.77, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.24 | ||
| Fwd PE | 9.33 |
4.2 Price Multiples
ZION's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.81 | ||
| EV/EBITDA | N/A |
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)0.57
PEG (5Y)2.9
EPS Next 2Y10.02%
EPS Next 3Y8.37%
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 3.73, ZION pays a better dividend. On top of this ZION pays more dividend than 83.16% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.38, 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 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
34.32% 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.
DP34.32%
EPS Next 2Y10.02%
EPS Next 3Y8.37%
NASDAQ:ZION (9/16/2025, 12:32:54 PM)
55.99
-1.08 (-1.89%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.85%
Inst Owner Change-0.67%
Ins Owners1.75%
Ins Owner Change-0.17%
Market Cap8.27B
Analysts66.21
Price Target61.2 (9.31%)
Short Float %4.32%
Short Ratio4.18
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.05% |
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP34.32%
Div Incr Years12
Div Non Decr Years14
Ex-Date
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)-0.18%
PT rev (3m)13.21%
EPS NQ rev (1m)0.02%
EPS NQ rev (3m)6.09%
EPS NY rev (1m)11.06%
EPS NY rev (3m)11.74%
Revenue NQ rev (1m)0.16%
Revenue NQ rev (3m)1.13%
Revenue NY rev (1m)0.95%
Revenue NY rev (3m)2.28%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.24 | ||
| Fwd PE | 9.33 | ||
| P/S | 2.55 | ||
| P/FCF | 12.81 | ||
| P/OCF | 10.98 | ||
| P/B | 1.25 | ||
| P/tB | 1.5 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.47
EY9.77%
EPS(NY)6
Fwd EY10.72%
FCF(TTM)4.37
FCFY7.8%
OCF(TTM)5.1
OCFY9.11%
SpS21.98
BVpS44.68
TBVpS37.26
PEG (NY)0.57
PEG (5Y)2.9
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC16.98%
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 Y17.98%
EPS Next 2Y10.02%
EPS Next 3Y8.37%
EPS Next 5Y3.73%
Revenue 1Y (TTM)7.66%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.99%
Revenue Next Year7.58%
Revenue Next 2Y5.97%
Revenue Next 3Y5.34%
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%