60.89 USD
+0.98 (+1.64%)
Last: Feb 2, 2026, 11:12 AM
Overall ZION gets a fundamental rating of 3 out of 10. We evaluated ZION against 383 industry peers in the Banks industry. ZION may be in some trouble as it scores bad on both profitability and health. ZION has a valuation in line with the averages, but it does not seem to be growing.
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.
1.2 Ratios
- The Return On Assets of ZION (0.93%) is comparable to the rest of the industry.
- ZION has a Return On Equity of 11.99%. This is amongst the best in the industry. ZION outperforms 81.46% of its industry peers.
| 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
- ZION's Profit Margin of 24.83% is in line compared to the rest of the industry. ZION outperforms 52.22% 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 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 no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
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.
- The Debt to FCF ratio of ZION (5.44) is worse than 72.85% 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 Debt to Equity ratio of 0.76. This is amonst the worse of the industry: ZION underperforms 82.25% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.56%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 20.97% over the past year.
- ZION shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.49% yearly.
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.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.15, the valuation of ZION can be described as reasonable.
- Based on the Price/Earnings ratio, ZION is valued cheaply inside the industry as 83.29% of the companies are valued more expensively.
- ZION's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 28.32.
- With a Price/Forward Earnings ratio of 9.82, the valuation of ZION can be described as very reasonable.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ZION indicates a somewhat cheap valuation: ZION is cheaper than 69.71% of the companies listed in the same industry.
- ZION is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.57, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.15 | ||
| Fwd PE | 9.82 |
4.2 Price Multiples
- ZION's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ZION is cheaper than 75.20% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.35 | ||
| EV/EBITDA | N/A |
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)3.01
PEG (5Y)0.7
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
5. Dividend
5.1 Amount
- ZION has a Yearly Dividend Yield of 2.95%.
- Compared to an average industry Dividend Yield of 2.67, ZION has a dividend in line with its industry peers.
- ZION's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
| Industry Rank | Sector 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
5.3 Sustainability
- 33.17% 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.
DP33.17%
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
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%.