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ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

NASDAQ:ZION - Nasdaq - US9897011071 - Common Stock - Currency: USD

56.2  -0.1 (-0.18%)

After market: 56.2 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ZION. ZION was compared to 397 industry peers in the Banks industry. ZION has a bad profitability rating. Also its financial health evaluation is rather negative. ZION has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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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.
Each year in the past 5 years ZION has been profitable.
Each year in the past 5 years ZION 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

ZION has a Return On Assets (0.86%) which is in line with its industry peers.
The Return On Equity of ZION (11.98%) is better than 82.37% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 11.98%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

The Profit Margin of ZION (23.81%) is comparable to the rest of the industry.
ZION's Profit Margin has declined in the last couple of years.
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) 23.81%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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2

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.
The number of shares outstanding for ZION has been reduced compared to 5 years ago.
Compared to 1 year ago, ZION has an improved debt to assets ratio.
ZION Yearly Shares OutstandingZION Yearly Shares OutstandingYearly Shares Outstanding 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

The Debt to FCF ratio of ZION is 4.57, which is a neutral value as it means it would take ZION, 4.57 years of fcf income to pay off all of its debts.
ZION has a worse Debt to FCF ratio (4.57) than 69.27% of its industry peers.
ZION has a Debt/Equity ratio of 0.70. This is a neutral value indicating ZION is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.70, ZION is doing worse than 82.62% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 4.57
Altman-Z N/A
ROIC/WACCN/A
WACC17.11%
ZION Yearly LT Debt VS Equity VS FCFZION Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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4

3. Growth

3.1 Past

ZION shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 14.25%, 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.
Looking at the last year, ZION shows a small growth in Revenue. The Revenue has grown by 5.47% in the last year.
The Revenue has been growing slightly by 2.01% on average over the past years.
EPS 1Y (TTM)14.25%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%17.71%
Revenue 1Y (TTM)5.47%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.14%

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.
The Revenue is expected to grow by 3.08% on average over the next years.
EPS Next Y5.76%
EPS Next 2Y6.3%
EPS Next 3Y5.38%
EPS Next 5Y3.73%
Revenue Next Year5.15%
Revenue Next 2Y4.62%
Revenue Next 3Y4.1%
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.
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.
ZION Yearly Revenue VS EstimatesZION Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1B 2B 3B 4B
ZION Yearly EPS VS EstimatesZION Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6

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5

4. Valuation

4.1 Price/Earnings Ratio

ZION is valuated reasonably with a Price/Earnings ratio of 10.96.
ZION's Price/Earnings ratio is a bit cheaper when compared to the industry. ZION is cheaper than 75.57% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.30, ZION is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 10.03, the valuation of ZION can be described as reasonable.
ZION's Price/Forward Earnings is on the same level as the industry average.
When comparing the Price/Forward Earnings ratio of ZION to the average of the S&P500 Index (21.76), we can say ZION is valued rather cheaply.
Industry RankSector Rank
PE 10.96
Fwd PE 10.03
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

ZION's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ZION is cheaper than 79.09% of the companies in the same industry.
Industry RankSector Rank
P/FCF 8.53
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.
PEG (NY)1.9
PEG (5Y)3.1
EPS Next 2Y6.3%
EPS Next 3Y5.38%

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6

5. Dividend

5.1 Amount

ZION has a Yearly Dividend Yield of 3.10%. Purely for dividend investing, there may be better candidates out there.
Compared to an average industry Dividend Yield of 3.30, ZION has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 2.37, ZION pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.1%

5.2 History

The dividend of ZION has a limited annual growth rate of 5.80%.
ZION has paid a dividend for at least 10 years, which is 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

ZION pays out 37.47% 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.
DP37.47%
EPS Next 2Y6.3%
EPS Next 3Y5.38%
ZION Yearly Income VS Free CF VS DividendZION Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 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

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ZIONS BANCORP NA

NASDAQ:ZION (7/11/2025, 8:00:02 PM)

After market: 56.2 0 (0%)

56.2

-0.1 (-0.18%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)04-21 2025-04-21/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners79.27%
Inst Owner Change0%
Ins Owners1.76%
Ins Owner Change3.36%
Market Cap8.29B
Analysts66.21
Price Target53.44 (-4.91%)
Short Float %3.79%
Short Ratio3.85
Dividend
Industry RankSector Rank
Dividend Yield 3.1%
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP37.47%
Div Incr Years12
Div Non Decr Years14
Ex-Date05-15 2025-05-15 (0.43)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1%
Min EPS beat(2)-6.32%
Max EPS beat(2)4.32%
EPS beat(4)3
Avg EPS beat(4)7.09%
Min EPS beat(4)-6.32%
Max EPS beat(4)15.44%
EPS beat(8)4
Avg EPS beat(8)5.73%
EPS beat(12)5
Avg EPS beat(12)1.79%
EPS beat(16)9
Avg EPS beat(16)5.84%
Revenue beat(2)1
Avg Revenue beat(2)-0.17%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)1.87%
Revenue beat(4)2
Avg Revenue beat(4)-0.12%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)1.87%
Revenue beat(8)3
Avg Revenue beat(8)-1.14%
Revenue beat(12)4
Avg Revenue beat(12)-0.93%
Revenue beat(16)6
Avg Revenue beat(16)-0.76%
PT rev (1m)-2.08%
PT rev (3m)-14.86%
EPS NQ rev (1m)-0.29%
EPS NQ rev (3m)-0.53%
EPS NY rev (1m)0.17%
EPS NY rev (3m)-2.38%
Revenue NQ rev (1m)-0.12%
Revenue NQ rev (3m)-0.87%
Revenue NY rev (1m)-0.03%
Revenue NY rev (3m)-0.83%
Valuation
Industry RankSector Rank
PE 10.96
Fwd PE 10.03
P/S 2.61
P/FCF 8.53
P/OCF 7.78
P/B 1.31
P/tB 1.59
EV/EBITDA N/A
EPS(TTM)5.13
EY9.13%
EPS(NY)5.6
Fwd EY9.97%
FCF(TTM)6.59
FCFY11.72%
OCF(TTM)7.22
OCFY12.85%
SpS21.57
BVpS42.87
TBVpS35.39
PEG (NY)1.9
PEG (5Y)3.1
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 11.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.81%
GM N/A
FCFM 30.54%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 4.57
Debt/EBITDA N/A
Cap/Depr 78.33%
Cap/Sales 2.95%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC17.11%
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)14.25%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%17.71%
EPS Next Y5.76%
EPS Next 2Y6.3%
EPS Next 3Y5.38%
EPS Next 5Y3.73%
Revenue 1Y (TTM)5.47%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.14%
Revenue Next Year5.15%
Revenue Next 2Y4.62%
Revenue Next 3Y4.1%
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-21.3%
FCF growth 3Y35.44%
FCF growth 5Y12.63%
OCF growth 1Y-24.02%
OCF growth 3Y22.21%
OCF growth 5Y10.49%