ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:ZION • US9897011071

65.29 USD
+1.17 (+1.82%)
At close: Feb 6, 2026
65.26 USD
-0.03 (-0.05%)
After Hours: 2/6/2026, 8:12:36 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

3

Overall ZION gets a fundamental rating of 3 out of 10. We evaluated ZION against 383 industry peers in the Banks industry. ZION has a bad profitability rating. Also its financial health evaluation is rather negative. ZION has a valuation in line with the averages, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

  • ZION had positive earnings in the past year.
  • In the past year ZION had a positive cash flow from operations.
  • Of the past 5 years ZION 4 years were profitable.
  • 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 (0.93%) which 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 81.46% of the companies in the same industry.
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

  • The Profit Margin of ZION (24.83%) is comparable to the rest of the industry.
  • In the last couple of years the Profit Margin of ZION has declined.
  • The Operating Margin and Gross Margin are not available for ZION so they could not be analyzed.
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

More info and screens

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.
  • ZION has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • ZION has a debt to FCF ratio of 5.44. This is a neutral value as ZION would need 5.44 years to pay back of all of its debts.
  • With a Debt to FCF ratio value of 5.44, ZION is not doing good in the industry: 73.11% of the companies in the same industry are doing better.
  • ZION has a Debt/Equity ratio of 0.76. This is a neutral value indicating ZION is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.76, ZION is not doing good in the industry: 82.25% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 5.44
Altman-Z N/A
ROIC/WACCN/A
WACC16.03%
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

More info and screens

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

3

3. Growth

3.1 Past

  • ZION shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.97%, which is quite impressive.
  • Measured over the past years, ZION shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.49% on average per year.
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

  • The Earnings Per Share is expected to grow by 3.33% on average over the next years.
  • ZION is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.12% yearly.
EPS Next Y3.37%
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
EPS Next 5Y3.33%
Revenue Next Year4.76%
Revenue Next 2Y4.68%
Revenue Next 3Y4.19%
Revenue Next 5Y3.12%

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 decreasing.
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

More info and screens

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 10.88.
  • 79.37% of the companies in the same industry are more expensive than ZION, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (27.92), we can say ZION is valued rather cheaply.
  • A Price/Forward Earnings ratio of 10.53 indicates a reasonable valuation of ZION.
  • 64.23% 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 27.78, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 10.88
Fwd PE 10.53
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

  • Based on the Price/Free Cash Flow ratio, ZION is valued a bit cheaper than the industry average as 73.11% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 10.03
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 ZION does not grow enough to justify the current Price/Earnings ratio.
  • A cheap valuation may be justified as ZION's earnings are expected to decrease with -3.35% in the coming years.
PEG (NY)3.23
PEG (5Y)0.75
EPS Next 2Y4.6%
EPS Next 3Y-3.35%

More info and screens

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

6

5. Dividend

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 comparable with the industry average which is at 2.65.
  • Compared to an average S&P500 Dividend Yield of 1.83, 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 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
ZION Yearly Dividends per shareZION Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • ZION pays out 33.17% of its income as dividend. This is a sustainable payout ratio.
  • The dividend of ZION is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.17%
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
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

More info and screens

Find the best dividend stocksShow peers with best dividend

ZIONS BANCORP NA

NASDAQ:ZION (2/6/2026, 8:12:36 PM)

After market: 65.26 -0.03 (-0.05%)

65.29

+1.17 (+1.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners81.2%
Inst Owner Change-1.23%
Ins Owners1.61%
Ins Owner Change-1.29%
Market Cap9.64B
Revenue(TTM)N/A
Net Income(TTM)823.00M
Analysts71.33
Price Target65.43 (0.21%)
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-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)2.75%
PT rev (3m)3.99%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)2.99%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)3.4%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 10.88
Fwd PE 10.53
P/S 2.91
P/FCF 10.03
P/OCF 8.99
P/B 1.4
P/tB 1.67
EV/EBITDA N/A
EPS(TTM)6
EY9.19%
EPS(NY)6.2
Fwd EY9.5%
FCF(TTM)6.51
FCFY9.97%
OCF(TTM)7.26
OCFY11.12%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)3.23
PEG (5Y)0.75
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
WACC16.03%
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 Y3.37%
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
EPS Next 5Y3.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.66%
Revenue Next Year4.76%
Revenue Next 2Y4.68%
Revenue Next 3Y4.19%
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 6 / 10 and the dividend payout ratio is 33.17%.