60.23 USD
-0.59 (-0.97%)
60.5 USD
+0.27 (+0.45%)
We assign a fundamental rating of 4 out of 10 to ZION. ZION was compared to 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 decent growth rate and is not valued too expensively. ZION also has an excellent dividend rating.
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.
Each year in the past 5 years ZION has been profitable.
In the past 5 years ZION always reported a positive cash flow from operatings.
1.2 Ratios
With a Return On Assets value of 0.93%, ZION perfoms like the industry average, outperforming 52.97% of the companies in the same industry.
The Return On Equity of ZION (11.99%) is better than 81.40% 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 has a Profit Margin (24.83%) which is comparable to the rest of the 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.
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.
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.
With a Debt to FCF ratio value of 5.44, ZION is not doing good in the industry: 73.39% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.76 indicates that 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 82.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.42%
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 nice 13.65% over the past year.
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%.
ZION shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.01% yearly.
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
Based on estimates for the next years, ZION will show a small growth in Earnings Per Share. The EPS will grow by 5.94% on average per year.
The Revenue is expected to grow by 4.05% on average over the next years.
EPS Next Y19.93%
EPS Next 2Y11.66%
EPS Next 3Y9.69%
EPS Next 5Y5.94%
Revenue Next Year8.21%
Revenue Next 2Y6.26%
Revenue Next 3Y5.65%
Revenue Next 5Y4.05%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
A Price/Earnings ratio of 10.79 indicates a reasonable valuation of ZION.
Based on the Price/Earnings ratio, ZION is valued a bit cheaper than the industry average as 71.83% of the companies are valued more expensively.
Compared to an average S&P500 Price/Earnings ratio of 27.19, ZION is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.74, the valuation of ZION can be described as very reasonable.
ZION's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ZION is cheaper than 63.57% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of ZION to the average of the S&P500 Index (23.92), we can say ZION is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.79 | ||
| Fwd PE | 9.74 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ZION is valued a bit cheaper than the industry average as 70.80% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.25 | ||
| 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)3.06
EPS Next 2Y11.66%
EPS Next 3Y9.69%
5. Dividend
5.1 Amount
ZION has a Yearly Dividend Yield of 2.95%.
Compared to an average industry Dividend Yield of 2.90, ZION has a dividend in line with its industry peers.
Compared to an average S&P500 Dividend Yield of 1.92, ZION pays a better dividend.
| 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 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
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 around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP33.17%
EPS Next 2Y11.66%
EPS Next 3Y9.69%
60.23
-0.59 (-0.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.2%
Inst Owner Change0.36%
Ins Owners1.61%
Ins Owner Change-1.47%
Market Cap8.89B
Revenue(TTM)3.31B
Net Income(TTM)823.00M
Analysts71.33
Price Target63.68 (5.73%)
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)1%
PT rev (3m)2.43%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)4.01%
EPS NY rev (1m)0.3%
EPS NY rev (3m)1.52%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)0.71%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.79 | ||
| Fwd PE | 9.74 | ||
| P/S | 2.68 | ||
| P/FCF | 9.25 | ||
| P/OCF | 8.3 | ||
| P/B | 1.3 | ||
| P/tB | 1.54 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.58
EY9.26%
EPS(NY)6.18
Fwd EY10.27%
FCF(TTM)6.51
FCFY10.81%
OCF(TTM)7.26
OCFY12.06%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)0.54
PEG (5Y)3.06
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
WACC16.42%
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 Y19.93%
EPS Next 2Y11.66%
EPS Next 3Y9.69%
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 2Y6.26%
Revenue Next 3Y5.65%
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%.