ZIONS BANCORP NA (ZION) Fundamental Analysis & Valuation
NASDAQ:ZION • US9897011071
Current stock price
61.815 USD
-0.21 (-0.33%)
Last:
This ZION fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
1. ZION Profitability Analysis
1.1 Basic Checks
- In the past year ZION was profitable.
- In the past year ZION had a positive cash flow from operations.
- Each year in the past 5 years ZION has been profitable.
- In the past 5 years ZION always reported a positive cash flow from operatings.
1.2 Ratios
- With a Return On Assets value of 0.99%, ZION perfoms like the industry average, outperforming 53.99% of the companies in the same industry.
- ZION has a Return On Equity of 12.31%. This is amongst the best in the industry. ZION outperforms 81.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.99% | ||
| ROE | 12.31% | ||
| ROIC | N/A |
ROA(3y)0.85%
ROA(5y)0.94%
ROE(3y)11.83%
ROE(5y)13.57%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
- ZION's Profit Margin of 26.12% is in line compared to the rest of the industry. ZION outperforms 53.99% of its industry peers.
- ZION's Profit Margin has improved in the last couple of years.
- The Operating Margin and Gross Margin are not available for ZION so they could not be analyzed.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 26.12% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.83%
PM growth 5Y7.78%
GM growth 3YN/A
GM growth 5YN/A
2. ZION Health Analysis
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
- The debt/assets ratio for ZION has been reduced compared to a year ago.
2.2 Solvency
- The Debt to FCF ratio of ZION is 4.81, which is a neutral value as it means it would take ZION, 4.81 years of fcf income to pay off all of its debts.
- ZION's Debt to FCF ratio of 4.81 is on the low side compared to the rest of the industry. ZION is outperformed by 70.21% of its industry peers.
- ZION has a Debt/Equity ratio of 0.64. This is a neutral value indicating ZION is somewhat dependend on debt financing.
- The Debt to Equity ratio of ZION (0.64) is worse than 80.85% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 4.81 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC14.62%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. ZION Growth Analysis
3.1 Past
- ZION shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 25.34%, which is quite impressive.
- The Earnings Per Share has been growing by 14.49% on average over the past years. This is quite good.
- The Revenue has grown by 8.15% in the past year. This is quite good.
- The Revenue has been growing slightly by 3.94% on average over the past years.
EPS 1Y (TTM)25.34%
EPS 3Y1.14%
EPS 5Y14.49%
EPS Q2Q%38.05%
Revenue 1Y (TTM)8.15%
Revenue growth 3Y2.41%
Revenue growth 5Y3.94%
Sales Q2Q%8.18%
3.2 Future
- ZION is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.33% yearly.
- Based on estimates for the next years, ZION will show a small growth in Revenue. The Revenue will grow by 3.12% on average per year.
EPS Next Y5.83%
EPS Next 2Y5.74%
EPS Next 3Y5.1%
EPS Next 5Y3.33%
Revenue Next Year4.99%
Revenue Next 2Y4.83%
Revenue Next 3Y4.24%
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.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. ZION Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 9.61, the valuation of ZION can be described as very reasonable.
- ZION's Price/Earnings ratio is rather cheap when compared to the industry. ZION is cheaper than 84.57% of the companies in the same industry.
- When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (27.66), we can say ZION is valued rather cheaply.
- A Price/Forward Earnings ratio of 9.21 indicates a reasonable valuation of ZION.
- ZION's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ZION is cheaper than 76.86% of the companies in the same industry.
- The average S&P500 Price/Forward Earnings ratio is at 38.00. ZION is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.61 | ||
| Fwd PE | 9.21 |
4.2 Price Multiples
- 74.47% 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 | 9.55 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.65
PEG (5Y)0.66
EPS Next 2Y5.74%
EPS Next 3Y5.1%
5. ZION Dividend Analysis
5.1 Amount
- ZION has a Yearly Dividend Yield of 2.95%. Purely for dividend investing, there may be better candidates out there.
- ZION's Dividend Yield is a higher than the industry average which is at 2.57.
- Compared to an average S&P500 Dividend Yield of 1.81, ZION pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
5.2 History
- The dividend of ZION has a limited annual growth rate of 2.79%.
- 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)2.79%
Div Incr Years13
Div Non Decr Years15
5.3 Sustainability
- ZION pays out 30.20% of its income as dividend. This is a sustainable payout ratio.
- ZION's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP30.2%
EPS Next 2Y5.74%
EPS Next 3Y5.1%
ZION Fundamentals: All Metrics, Ratios and Statistics
NASDAQ:ZION (4/22/2026, 3:26:05 PM)
61.815
-0.21 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-20 2026-04-20/amc
Earnings (Next)07-20 2026-07-20
Inst Owners82.16%
Inst Owner Change-2.42%
Ins Owners1.35%
Ins Owner Change1.87%
Market Cap9.09B
Revenue(TTM)3.38B
Net Income(TTM)884.00M
Analysts71.33
Price Target67.47 (9.15%)
Short Float %3.45%
Short Ratio2.67
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 2.95% |
Yearly Dividend1.81
Dividend Growth(5Y)2.79%
DP30.2%
Div Incr Years13
Div Non Decr Years15
Ex-Date02-12 2026-02-12 (0.45)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.57%
Min EPS beat(2)2.79%
Max EPS beat(2)10.36%
EPS beat(4)3
Avg EPS beat(4)7.17%
Min EPS beat(4)-6.32%
Max EPS beat(4)21.85%
EPS beat(8)6
Avg EPS beat(8)7.44%
EPS beat(12)7
Avg EPS beat(12)5.49%
EPS beat(16)9
Avg EPS beat(16)4.03%
Revenue beat(2)2
Avg Revenue beat(2)0.68%
Min Revenue beat(2)0.12%
Max Revenue beat(2)1.24%
Revenue beat(4)3
Avg Revenue beat(4)0.11%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)1.31%
Revenue beat(8)5
Avg Revenue beat(8)0.01%
Revenue beat(12)6
Avg Revenue beat(12)-0.76%
Revenue beat(16)7
Avg Revenue beat(16)-0.8%
PT rev (1m)-0.88%
PT rev (3m)3.13%
EPS NQ rev (1m)0.53%
EPS NQ rev (3m)3.52%
EPS NY rev (1m)0.35%
EPS NY rev (3m)2.38%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)0.65%
Revenue NY rev (1m)0.17%
Revenue NY rev (3m)0.5%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.61 | ||
| Fwd PE | 9.21 | ||
| P/S | 2.69 | ||
| P/FCF | 9.55 | ||
| P/OCF | 8.47 | ||
| P/B | 1.27 | ||
| P/tB | 1.49 | ||
| EV/EBITDA | N/A |
EPS(TTM)6.43
EY10.4%
EPS(NY)6.71
Fwd EY10.85%
FCF(TTM)6.47
FCFY10.47%
OCF(TTM)7.3
OCFY11.8%
SpS23.02
BVpS48.82
TBVpS41.4
PEG (NY)1.65
PEG (5Y)0.66
Graham Number84.0421 (35.96%)
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.99% | ||
| ROE | 12.31% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 26.12% | ||
| GM | N/A | ||
| FCFM | 28.12% |
ROA(3y)0.85%
ROA(5y)0.94%
ROE(3y)11.83%
ROE(5y)13.57%
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-1.83%
PM growth 5Y7.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.64 | ||
| Debt/FCF | 4.81 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 104.31% | ||
| Cap/Sales | 3.57% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 107.69% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC14.62%
ROIC/WACCN/A
Cap/Depr(3y)87.75%
Cap/Depr(5y)N/A
Cap/Sales(3y)3.43%
Cap/Sales(5y)4.68%
Profit Quality(3y)124.04%
Profit Quality(5y)111.62%
High Growth Momentum
Growth
EPS 1Y (TTM)25.34%
EPS 3Y1.14%
EPS 5Y14.49%
EPS Q2Q%38.05%
EPS Next Y5.83%
EPS Next 2Y5.74%
EPS Next 3Y5.1%
EPS Next 5Y3.33%
Revenue 1Y (TTM)8.15%
Revenue growth 3Y2.41%
Revenue growth 5Y3.94%
Sales Q2Q%8.18%
Revenue Next Year4.99%
Revenue Next 2Y4.83%
Revenue Next 3Y4.24%
Revenue Next 5Y3.12%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-17.77%
EBIT Next 3Y4.54%
EBIT Next 5YN/A
FCF growth 1Y-9.42%
FCF growth 3Y-9.4%
FCF growth 5Y11.68%
OCF growth 1Y-6.53%
OCF growth 3Y-9.96%
OCF growth 5Y8.34%
ZIONS BANCORP NA / ZION Fundamental Analysis 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 5 / 10 to ZIONS BANCORP NA (ZION). This can be considered as Fairly Valued.
What is the profitability of ZION stock?
ZIONS BANCORP NA (ZION) has a profitability rating of 4 / 10.
What are the PE and PB ratios of ZIONS BANCORP NA (ZION) stock?
The Price/Earnings (PE) ratio for ZIONS BANCORP NA (ZION) is 9.61 and the Price/Book (PB) ratio is 1.27.
How financially healthy is ZIONS BANCORP NA?
The financial health rating of ZIONS BANCORP NA (ZION) is 2 / 10.