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ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

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

46.95  -0.41 (-0.87%)

After market: 46.95 0 (0%)

Fundamental Rating

4

Taking everything into account, ZION scores 4 out of 10 in our fundamental rating. ZION was compared to 396 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.


Dividend Valuation Growth Profitability Health

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3

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.
Each year in the past 5 years ZION has been profitable.
Each year in the past 5 years ZION had a positive operating cash flow.
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 0.86%, ZION perfoms like the industry average, outperforming 52.78% of the companies in the same industry.
ZION's Return On Equity of 11.98% is amongst the best of the industry. ZION outperforms 82.07% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 11.98%
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 23.81%, ZION is in line with its industry, outperforming 51.01% 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 RankSector Rank
OM N/A
PM (TTM) 23.81%
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.
The number of shares outstanding for ZION remains at a similar level compared to 1 year ago.
Compared to 5 years ago, ZION has less shares outstanding
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 4.57. This is a neutral value as ZION would need 4.57 years to pay back of all of its debts.
With a Debt to FCF ratio value of 4.57, ZION is not doing good in the industry: 68.69% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.70 indicates that ZION is somewhat dependend on debt financing.
ZION's Debt to Equity ratio of 0.70 is on the low side compared to the rest of the industry. ZION is outperformed by 82.32% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 4.57
Altman-Z N/A
ROIC/WACCN/A
WACC18.09%
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 14.25%, which is quite good.
ZION shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.53% yearly.
Looking at the last year, ZION shows a small growth in Revenue. The Revenue has grown by 5.47% in the last 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)14.25%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%17.71%
Revenue 1Y (TTM)5.47%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.14%

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 Y5.59%
EPS Next 2Y6.19%
EPS Next 3Y5.37%
EPS Next 5Y5.28%
Revenue Next Year5.21%
Revenue Next 2Y4.6%
Revenue Next 3Y4.13%
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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6

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 9.15, the valuation of ZION can be described as very reasonable.
Compared to the rest of the industry, the Price/Earnings ratio of ZION indicates a rather cheap valuation: ZION is cheaper than 83.59% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (26.29), we can say ZION is valued rather cheaply.
The Price/Forward Earnings ratio is 8.39, which indicates a very decent valuation of ZION.
Based on the Price/Forward Earnings ratio, ZION is valued a bit cheaper than 69.44% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.17, ZION is valued rather cheaply.
Industry RankSector Rank
PE 9.15
Fwd PE 8.39
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

82.58% of the companies in the same industry are more expensive than ZION, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 7.13
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)1.64
PEG (5Y)2.59
EPS Next 2Y6.19%
EPS Next 3Y5.37%

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7

5. Dividend

5.1 Amount

ZION has a Yearly Dividend Yield of 3.60%. Purely for dividend investing, there may be better candidates out there.
ZION's Dividend Yield is a higher than the industry average which is at 3.46.
Compared to an average S&P500 Dividend Yield of 2.38, ZION pays a better dividend.
Industry RankSector Rank
Dividend Yield 3.6%

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
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

ZION pays out 37.47% of its income as dividend. This is a sustainable payout ratio.
ZION's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.47%
EPS Next 2Y6.19%
EPS Next 3Y5.37%
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 (6/2/2025, 8:00:02 PM)

After market: 46.95 0 (0%)

46.95

-0.41 (-0.87%)

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 Change0.18%
Ins Owners2.03%
Ins Owner Change-2.71%
Market Cap6.93B
Analysts68.15
Price Target54.57 (16.23%)
Short Float %3.41%
Short Ratio2.25
Dividend
Industry RankSector Rank
Dividend Yield 3.6%
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP37.47%
Div Incr Years12
Div Non Decr Years14
Ex-Date05-15 2025-05-15 (0.43)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1%
Min EPS beat(2)-6.32%
Max EPS beat(2)4.32%
EPS beat(4)3
Avg EPS beat(4)7.09%
Min EPS beat(4)-6.32%
Max EPS beat(4)15.44%
EPS beat(8)4
Avg EPS beat(8)5.73%
EPS beat(12)5
Avg EPS beat(12)1.79%
EPS beat(16)9
Avg EPS beat(16)5.84%
Revenue beat(2)1
Avg Revenue beat(2)-0.17%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)1.87%
Revenue beat(4)2
Avg Revenue beat(4)-0.12%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)1.87%
Revenue beat(8)3
Avg Revenue beat(8)-1.14%
Revenue beat(12)4
Avg Revenue beat(12)-0.93%
Revenue beat(16)6
Avg Revenue beat(16)-0.76%
PT rev (1m)-0.82%
PT rev (3m)-15.47%
EPS NQ rev (1m)-0.21%
EPS NQ rev (3m)0.07%
EPS NY rev (1m)-2.3%
EPS NY rev (3m)-2.72%
Revenue NQ rev (1m)0.05%
Revenue NQ rev (3m)-0.53%
Revenue NY rev (1m)-0.36%
Revenue NY rev (3m)-0.86%
Valuation
Industry RankSector Rank
PE 9.15
Fwd PE 8.39
P/S 2.18
P/FCF 7.13
P/OCF 6.5
P/B 1.1
P/tB 1.33
EV/EBITDA N/A
EPS(TTM)5.13
EY10.93%
EPS(NY)5.59
Fwd EY11.91%
FCF(TTM)6.59
FCFY14.03%
OCF(TTM)7.22
OCFY15.39%
SpS21.57
BVpS42.87
TBVpS35.39
PEG (NY)1.64
PEG (5Y)2.59
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 11.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.81%
GM N/A
FCFM 30.54%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 4.57
Debt/EBITDA N/A
Cap/Depr 78.33%
Cap/Sales 2.95%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC18.09%
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)14.25%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%17.71%
EPS Next Y5.59%
EPS Next 2Y6.19%
EPS Next 3Y5.37%
EPS Next 5Y5.28%
Revenue 1Y (TTM)5.47%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.14%
Revenue Next Year5.21%
Revenue Next 2Y4.6%
Revenue Next 3Y4.13%
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 1Y-21.3%
FCF growth 3Y35.44%
FCF growth 5Y12.63%
OCF growth 1Y-24.02%
OCF growth 3Y22.21%
OCF growth 5Y10.49%