59.62 USD
+0.11 (+0.18%)
59.1 USD
-0.52 (-0.87%)
Taking everything into account, ZION scores 4 out of 10 in our fundamental rating. ZION was compared to 383 industry peers in the Banks industry. ZION has a bad profitability rating. Also its financial health evaluation is rather negative. ZION has a decent growth rate and is not valued too expensively. ZION also has an excellent dividend rating.
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.
- In the past 5 years ZION has always been profitable.
- ZION had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
- ZION has a Return On Assets (0.93%) which 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 81.72% 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
- Looking at the Profit Margin, with a value of 24.83%, ZION is in line with its industry, outperforming 52.48% of the companies in the same 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 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 about the same amout of shares outstanding than it did 1 year ago.
- ZION has less shares outstanding than it did 5 years ago.
- ZION has a better debt/assets ratio than last year.
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.
- Looking at the Debt to FCF ratio, with a value of 5.44, ZION is doing worse than 73.37% of the companies in the same industry.
- ZION has a Debt/Equity ratio of 0.76. This is a neutral value indicating ZION is somewhat dependend on debt financing.
- ZION's Debt to Equity ratio of 0.76 is on the low side compared to the rest of the industry. ZION is outperformed by 82.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.53%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
- ZION shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 13.65%, which is quite good.
- Measured over the past 5 years, ZION shows a small growth in Earnings Per Share. The EPS has been growing by 3.53% on average per year.
- ZION shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.98%.
- Measured over the past years, ZION shows a small growth in Revenue. The Revenue has been growing by 2.01% on average per year.
EPS 1Y (TTM)13.65%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%8.03%
Revenue 1Y (TTM)8.98%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%8.71%
3.2 Future
- ZION is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 5.94% yearly.
- The Revenue is expected to grow by 4.05% on average over the next years.
EPS Next Y19.92%
EPS Next 2Y11.82%
EPS Next 3Y9.79%
EPS Next 5Y5.94%
Revenue Next Year8.21%
Revenue Next 2Y6.32%
Revenue Next 3Y5.67%
Revenue Next 5Y4.05%
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 accelerating.
- 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.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 10.68, the valuation of ZION can be described as reasonable.
- Based on the Price/Earnings ratio, ZION is valued a bit cheaper than 76.24% of the companies in the same industry.
- When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (27.38), we can say ZION is valued rather cheaply.
- The Price/Forward Earnings ratio is 9.61, which indicates a very decent valuation of ZION.
- Compared to the rest of the industry, the Price/Forward Earnings ratio of ZION indicates a somewhat cheap valuation: ZION is cheaper than 67.10% of the companies listed in the same industry.
- When comparing the Price/Forward Earnings ratio of ZION to the average of the S&P500 Index (24.29), we can say ZION is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.68 | ||
| Fwd PE | 9.61 |
4.2 Price Multiples
- ZION's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. ZION is cheaper than 73.89% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.16 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- ZION's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.54
PEG (5Y)3.03
EPS Next 2Y11.82%
EPS Next 3Y9.79%
5. Dividend
5.1 Amount
- With a Yearly Dividend Yield of 2.95%, ZION has a reasonable but not impressive dividend return.
- ZION's Dividend Yield is comparable with the industry average which is at 2.87.
- ZION's Dividend Yield is rather good when compared to the S&P500 average which is at 1.85.
| 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 their dividend for at least 10 years, which is a reliable track record.
Dividend Growth(5Y)5.8%
Div Incr Years12
Div Non Decr Years14
5.3 Sustainability
- ZION pays out 33.17% 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.
DP33.17%
EPS Next 2Y11.82%
EPS Next 3Y9.79%
59.62
+0.11 (+0.18%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-20 2025-10-20/amc
Earnings (Next)01-20 2026-01-20/amc
Inst Owners81.2%
Inst Owner Change0.21%
Ins Owners1.61%
Ins Owner Change-1.47%
Market Cap8.80B
Revenue(TTM)3.31B
Net Income(TTM)823.00M
Analysts71.33
Price Target65.43 (9.75%)
Short Float %4.6%
Short Ratio3.68
Dividend
| Industry Rank | Sector 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)3.78%
PT rev (3m)5.24%
EPS NQ rev (1m)0%
EPS NQ rev (3m)3.98%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)1.51%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.79%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.68 | ||
| Fwd PE | 9.61 | ||
| P/S | 2.66 | ||
| P/FCF | 9.16 | ||
| P/OCF | 8.21 | ||
| P/B | 1.28 | ||
| P/tB | 1.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.58
EY9.36%
EPS(NY)6.2
Fwd EY10.4%
FCF(TTM)6.51
FCFY10.92%
OCF(TTM)7.26
OCFY12.18%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)0.54
PEG (5Y)3.03
Graham Number76.41
Profitability
| Industry Rank | Sector 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 Rank | Sector 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
WACC16.53%
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)13.65%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%8.03%
EPS Next Y19.92%
EPS Next 2Y11.82%
EPS Next 3Y9.79%
EPS Next 5Y5.94%
Revenue 1Y (TTM)8.98%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%8.71%
Revenue Next Year8.21%
Revenue Next 2Y6.32%
Revenue Next 3Y5.67%
Revenue Next 5Y4.05%
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-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 4 / 10 to ZION.
What is the valuation status for ZION stock?
ChartMill assigns a valuation rating of 6 / 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 2 / 10.
Can you provide the dividend sustainability for ZION stock?
The dividend rating of ZIONS BANCORP NA (ZION) is 7 / 10 and the dividend payout ratio is 33.17%.