ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:ZION • US9897011071

64.12 USD
+0.31 (+0.49%)
At close: Feb 5, 2026
64.12 USD
0 (0%)
After Hours: 2/5/2026, 5:20:02 PM
Fundamental Rating

3

ZION gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. Both the profitability and financial health of ZION have multiple concerns. ZION is valued correctly, 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.
  • ZION had a positive operating cash flow in the past year.
  • 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.
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

  • The Return On Assets of ZION (0.93%) is comparable to the rest of the industry.
  • ZION has a better Return On Equity (11.99%) than 81.46% of its industry peers.
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

  • With a Profit Margin value of 24.83%, ZION perfoms like the industry average, outperforming 52.22% of the companies in the same industry.
  • ZION's Profit Margin has declined in the last couple of years.
  • ZION does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
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

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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.
  • There is no outstanding debt for ZION. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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.
  • ZION has a worse Debt to FCF ratio (5.44) than 72.85% of its industry peers.
  • A Debt/Equity ratio of 0.76 indicates that ZION is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.76, ZION is doing worse than 82.25% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 5.44
Altman-Z N/A
ROIC/WACCN/A
WACC16.16%
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

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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.
  • 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

  • ZION is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.33% yearly.
  • The Revenue is expected to grow by 3.12% on average over the next years.
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

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

  • ZION is valuated reasonably with a Price/Earnings ratio of 10.69.
  • Based on the Price/Earnings ratio, ZION is valued cheaply inside the industry as 80.16% of the companies are valued more expensively.
  • ZION is valuated cheaply when we compare the Price/Earnings ratio to 27.67, which is the current average of the S&P500 Index.
  • The Price/Forward Earnings ratio is 10.34, which indicates a very decent valuation of ZION.
  • Based on the Price/Forward Earnings ratio, ZION is valued a bit cheaper than 65.80% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of ZION to the average of the S&P500 Index (27.20), we can say ZION is valued rather cheaply.
Industry RankSector Rank
PE 10.69
Fwd PE 10.34
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 73.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.85
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 an expensive valuation of the company.
  • ZION's earnings are expected to decrease with -3.35% in the coming years. This may justify a cheaper valuation.
PEG (NY)3.17
PEG (5Y)0.74
EPS Next 2Y4.6%
EPS Next 3Y-3.35%

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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 2.71.
  • ZION's Dividend Yield is rather good when compared to the S&P500 average which is at 1.82.
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

  • 33.17% of the earnings are spent on dividend by ZION. This is a low number and sustainable payout ratio.
  • ZION's earnings are growing slower than its dividend. 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

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ZIONS BANCORP NA

NASDAQ:ZION (2/5/2026, 5:20:02 PM)

After market: 64.12 0 (0%)

64.12

+0.31 (+0.49%)

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 Cap9.47B
Revenue(TTM)N/A
Net Income(TTM)823.00M
Analysts71.33
Price Target65.43 (2.04%)
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 10.69
Fwd PE 10.34
P/S 2.86
P/FCF 9.85
P/OCF 8.83
P/B 1.38
P/tB 1.64
EV/EBITDA N/A
EPS(TTM)6
EY9.36%
EPS(NY)6.2
Fwd EY9.67%
FCF(TTM)6.51
FCFY10.15%
OCF(TTM)7.26
OCFY11.32%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)3.17
PEG (5Y)0.74
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
WACC16.16%
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%.