53.23 USD
+1.34 (+2.58%)
53.23 USD
0 (0%)
Taking everything into account, ZION scores 4 out of 10 in our fundamental rating. ZION was compared to 387 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. Finally 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.
ZION had positive earnings in each of the past 5 years.
Each year in the past 5 years ZION had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.93%, ZION perfoms like the industry average, outperforming 53.49% of the companies in the same industry.
ZION has a Return On Equity of 11.99%. This is amongst the best in the industry. ZION outperforms 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
The Profit Margin of ZION (24.83%) is comparable to the rest of the 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 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.
The number of shares outstanding for ZION remains at a similar level compared to 1 year ago.
ZION has less shares outstanding than it did 5 years ago.
Compared to 1 year ago, ZION has an improved debt to assets ratio.
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 Debt to FCF ratio of 5.44. This is in the lower half of the industry: ZION underperforms 72.87% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that 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 82.95% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.1%
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
The Earnings Per Share is expected to grow by 3.26% on average over the next years.
ZION is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 2.96% yearly.
EPS Next Y19.38%
EPS Next 2Y11.89%
EPS Next 3Y9.73%
EPS Next 5Y3.26%
Revenue Next Year8.12%
Revenue Next 2Y6.32%
Revenue Next 3Y5.67%
Revenue Next 5Y2.96%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
ZION is valuated reasonably with a Price/Earnings ratio of 9.54.
Compared to the rest of the industry, the Price/Earnings ratio of ZION indicates a rather cheap valuation: ZION is cheaper than 82.43% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (25.98), we can say ZION is valued rather cheaply.
Based on the Price/Forward Earnings ratio of 8.57, the valuation of ZION can be described as reasonable.
Based on the Price/Forward Earnings ratio, ZION is valued a bit cheaper than the industry average as 77.78% of the companies are valued more expensively.
The average S&P500 Price/Forward Earnings ratio is at 35.79. ZION is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.54 | ||
| Fwd PE | 8.57 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ZION indicates a somewhat cheap valuation: ZION is cheaper than 78.81% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 8.18 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.49
PEG (5Y)2.7
EPS Next 2Y11.89%
EPS Next 3Y9.73%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.05%, ZION is a good candidate for dividend investing.
Compared to an average industry Dividend Yield of 3.33, ZION pays a better dividend. On top of this ZION pays more dividend than 93.80% of the companies listed in the same industry.
ZION's Dividend Yield is rather good when compared to the S&P500 average which is at 2.41.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.05% |
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
5.3 Sustainability
33.17% 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.
DP33.17%
EPS Next 2Y11.89%
EPS Next 3Y9.73%
53.23
+1.34 (+2.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.42%
Inst Owner Change2.34%
Ins Owners1.75%
Ins Owner Change-0.52%
Market Cap7.86B
Revenue(TTM)3.31B
Net Income(TTM)823.00M
Analysts69.68
Price Target62.8 (17.98%)
Short Float %3.76%
Short Ratio2.7
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.05% |
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP33.17%
Div Incr Years12
Div Non Decr Years14
Ex-Date
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)1.02%
PT rev (3m)2.43%
EPS NQ rev (1m)2.83%
EPS NQ rev (3m)4.13%
EPS NY rev (1m)2.93%
EPS NY rev (3m)12.38%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)1.08%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)1.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.54 | ||
| Fwd PE | 8.57 | ||
| P/S | 2.37 | ||
| P/FCF | 8.18 | ||
| P/OCF | 7.33 | ||
| P/B | 1.14 | ||
| P/tB | 1.36 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.58
EY10.48%
EPS(NY)6.21
Fwd EY11.67%
FCF(TTM)6.51
FCFY12.23%
OCF(TTM)7.26
OCFY13.64%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)0.49
PEG (5Y)2.7
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
WACC17.1%
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 Y19.38%
EPS Next 2Y11.89%
EPS Next 3Y9.73%
EPS Next 5Y3.26%
Revenue 1Y (TTM)8.98%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%8.71%
Revenue Next Year8.12%
Revenue Next 2Y6.32%
Revenue Next 3Y5.67%
Revenue Next 5Y2.96%
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 of ZIONS BANCORP NA (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.
Is the dividend of ZIONS BANCORP NA sustainable?
The dividend rating of ZIONS BANCORP NA (ZION) is 8 / 10 and the dividend payout ratio is 33.17%.