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ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

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

44.84  -0.41 (-0.91%)

After market: 44.84 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ZION. ZION was compared to 398 industry peers in the Banks industry. Both the profitability and financial health of ZION have multiple concerns. ZION is valued quite cheap, while showing a decent growth score. This is a good combination! Finally ZION also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year ZION was profitable.
ZION had a positive operating cash flow in the past year.
ZION had positive earnings in each of the past 5 years.
ZION had a positive operating cash flow in each of the past 5 years.
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

With a Return On Assets value of 0.82%, ZION perfoms like the industry average, outperforming 51.01% of the companies in the same industry.
Looking at the Return On Equity, with a value of 11.92%, ZION belongs to the top of the industry, outperforming 81.91% of the companies in the same industry.
Industry RankSector Rank
ROA 0.82%
ROE 11.92%
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

Looking at the Profit Margin, with a value of 23.32%, ZION is in line with its industry, outperforming 50.00% of the companies in the same 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) 23.32%
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.
ZION has less shares outstanding than it did 5 years ago.
The debt/assets ratio for ZION has been reduced compared to a year ago.
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

ZION has a debt to FCF ratio of 4.55. This is a neutral value as ZION would need 4.55 years to pay back of all of its debts.
ZION has a worse Debt to FCF ratio (4.55) than 66.83% of its industry peers.
A Debt/Equity ratio of 0.78 indicates that ZION is somewhat dependend on debt financing.
The Debt to Equity ratio of ZION (0.78) is worse than 81.66% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 4.55
Altman-Z N/A
ROIC/WACCN/A
WACC18.28%
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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5

3. Growth

3.1 Past

ZION shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 16.70%, 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.
The Revenue has been growing slightly by 0.48% in the past year.
ZION shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.01% yearly.
EPS 1Y (TTM)16.7%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%29.17%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%8.63%

3.2 Future

The Earnings Per Share is expected to grow by 5.28% on average over the next years.
Based on estimates for the next years, ZION will show a small growth in Revenue. The Revenue will grow by 3.56% on average per year.
EPS Next Y8.07%
EPS Next 2Y8.03%
EPS Next 3Y5.22%
EPS Next 5Y5.28%
Revenue Next Year5.59%
Revenue Next 2Y4.96%
Revenue Next 3Y4.39%
Revenue Next 5Y3.56%

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.
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 8

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7

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 8.56, the valuation of ZION can be described as very reasonable.
Based on the Price/Earnings ratio, ZION is valued cheaper than 87.19% of the companies in the same industry.
When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (28.79), we can say ZION is valued rather cheaply.
The Price/Forward Earnings ratio is 7.75, which indicates a rather cheap valuation of ZION.
ZION's Price/Forward Earnings ratio is rather cheap when compared to the industry. ZION is cheaper than 82.91% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.38, ZION is valued rather cheaply.
Industry RankSector Rank
PE 8.56
Fwd PE 7.75
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 cheaper than 87.69% of the companies in the same industry.
Industry RankSector Rank
P/FCF 6.3
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.06
PEG (5Y)2.42
EPS Next 2Y8.03%
EPS Next 3Y5.22%

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7

5. Dividend

5.1 Amount

ZION has a Yearly Dividend Yield of 3.88%.
In the last 3 months the price of ZION has falen by -23.53%. A price decline artificially increases the dividend yield. It may be a sign investors do not expect the dividend to last.
Compared to an average industry Dividend Yield of 3.58, ZION pays a bit more dividend than its industry peers.
Compared to an average S&P500 Dividend Yield of 2.51, ZION pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.88%

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 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
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

39.59% 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.
DP39.59%
EPS Next 2Y8.03%
EPS Next 3Y5.22%
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 (4/25/2025, 8:00:02 PM)

After market: 44.84 0 (0%)

44.84

-0.41 (-0.91%)

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 Owners78.8%
Inst Owner Change0.55%
Ins Owners2.03%
Ins Owner Change-3.07%
Market Cap6.62B
Analysts66.43
Price Target55.02 (22.7%)
Short Float %3.32%
Short Ratio2.27
Dividend
Industry RankSector Rank
Dividend Yield 3.88%
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP39.59%
Div Incr Years12
Div Non Decr Years14
Ex-Date02-13 2025-02-13 (0.43)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)9.62%
Min EPS beat(2)4.32%
Max EPS beat(2)14.92%
EPS beat(4)3
Avg EPS beat(4)7.71%
Min EPS beat(4)-3.84%
Max EPS beat(4)15.44%
EPS beat(8)4
Avg EPS beat(8)4.64%
EPS beat(12)6
Avg EPS beat(12)2.98%
EPS beat(16)10
Avg EPS beat(16)10.03%
Revenue beat(2)1
Avg Revenue beat(2)0.78%
Min Revenue beat(2)-0.31%
Max Revenue beat(2)1.87%
Revenue beat(4)2
Avg Revenue beat(4)-0.1%
Min Revenue beat(4)-2.16%
Max Revenue beat(4)1.87%
Revenue beat(8)3
Avg Revenue beat(8)-1.2%
Revenue beat(12)4
Avg Revenue beat(12)-1.1%
Revenue beat(16)7
Avg Revenue beat(16)-0.61%
PT rev (1m)-2.79%
PT rev (3m)2.46%
EPS NQ rev (1m)0.99%
EPS NQ rev (3m)8.95%
EPS NY rev (1m)-0.43%
EPS NY rev (3m)6.69%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)2.73%
Revenue NY rev (1m)-0.09%
Revenue NY rev (3m)2.28%
Valuation
Industry RankSector Rank
PE 8.56
Fwd PE 7.75
P/S 2.11
P/FCF 6.3
P/OCF 5.76
P/B 1.08
P/tB 1.3
EV/EBITDA N/A
EPS(TTM)5.24
EY11.69%
EPS(NY)5.79
Fwd EY12.91%
FCF(TTM)7.12
FCFY15.88%
OCF(TTM)7.78
OCFY17.35%
SpS21.21
BVpS41.5
TBVpS34.37
PEG (NY)1.06
PEG (5Y)2.42
Profitability
Industry RankSector Rank
ROA 0.82%
ROE 11.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.32%
GM N/A
FCFM 33.58%
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-Score7
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.78
Debt/FCF 4.55
Debt/EBITDA N/A
Cap/Depr 78.23%
Cap/Sales 3.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 143.97%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score7
WACC18.28%
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)16.7%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%29.17%
EPS Next Y8.07%
EPS Next 2Y8.03%
EPS Next 3Y5.22%
EPS Next 5Y5.28%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%8.63%
Revenue Next Year5.59%
Revenue Next 2Y4.96%
Revenue Next 3Y4.39%
Revenue Next 5Y3.56%
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 1Y36.14%
FCF growth 3Y35.44%
FCF growth 5Y12.63%
OCF growth 1Y29.72%
OCF growth 3Y22.21%
OCF growth 5Y10.49%