59.62 USD
+0.11 (+0.18%)
59.1 USD
-0.52 (-0.87%)
ZION gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 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 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
- 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 81.72% 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
- With a Profit Margin value of 24.83%, ZION perfoms like the industry average, outperforming 52.48% 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 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.
- The number of shares outstanding for ZION has been reduced compared to 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.
- ZION has a worse Debt to FCF ratio (5.44) than 73.37% 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 82.51% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.56%
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.
- The Revenue has grown by 8.98% in the past year. This is quite good.
- 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
- The Earnings Per Share is expected to grow by 5.94% on average over the next years.
- 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.
- 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
- With a Price/Earnings ratio of 10.68, the valuation of ZION can be described as very reasonable.
- Based on the Price/Earnings ratio, ZION is valued a bit cheaper than the industry average as 76.24% of the companies are valued more expensively.
- 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.
- A Price/Forward Earnings ratio of 9.61 indicates a reasonable 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.
- ZION is valuated cheaply when we compare the Price/Forward Earnings ratio to 24.29, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.68 | ||
| Fwd PE | 9.61 |
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 73.89% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.16 | ||
| 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)0.54
PEG (5Y)3.03
EPS Next 2Y11.82%
EPS Next 3Y9.79%
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 2.86.
- Compared to an average S&P500 Dividend Yield of 1.84, 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 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.
- The dividend of ZION is growing around the same rate as the earnings are growing. If this keeps up 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 %4.45%
Short Ratio4.48
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
WACC16.56%
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%.