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ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:ZION - US9897011071 - Common Stock

59.84 USD
+0.33 (+0.55%)
Last: 1/16/2026, 11:26:08 AM
Fundamental Rating

4

Taking everything into account, ZION scores 4 out of 10 in our fundamental rating. ZION was compared to 383 industry peers in the Banks industry. Both the profitability and financial health of ZION have multiple concerns. ZION has a decent growth rate and is not valued too expensively. ZION also has an excellent dividend rating.


Dividend Valuation Growth Profitability Health

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.
  • In the past 5 years ZION has always been profitable.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

  • ZION has a Return On Assets (0.93%) which is in line with its industry peers.
  • ZION has a better Return On Equity (11.99%) than 81.72% of its industry peers.
Industry RankSector 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
ZION Yearly ROA, ROE, ROICZION Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • ZION has a Profit Margin of 24.83%. This is comparable to the rest of the industry: ZION outperforms 52.48% of its industry peers.
  • In the last couple of years the Profit Margin of ZION has declined.
  • 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) 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
ZION Yearly Profit, Operating, Gross MarginsZION Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 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.
  • Compared to 5 years ago, ZION has less shares outstanding
  • ZION has a better debt/assets ratio than last year.
ZION Yearly Shares OutstandingZION Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

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.
  • Looking at the Debt to FCF ratio, with a value of 5.44, ZION is doing worse than 73.37% of the companies in the same industry.
  • ZION has a Debt/Equity ratio of 0.76. This is a neutral value indicating ZION is somewhat dependend on debt financing.
  • With a Debt to Equity ratio value of 0.76, ZION is not doing good in the industry: 82.51% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 5.44
Altman-Z N/A
ROIC/WACCN/A
WACC16.47%
ZION Yearly LT Debt VS Equity VS FCFZION Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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5

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.
  • The Revenue has grown by 8.98% in the past year. This is quite good.
  • 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.
  • The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
ZION Yearly Revenue VS EstimatesZION Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1B 2B 3B 4B
ZION Yearly EPS VS EstimatesZION Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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6

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 10.72, which indicates a very decent valuation of ZION.
  • Based on the Price/Earnings ratio, ZION is valued a bit cheaper than the industry average as 77.28% of the companies are valued more expensively.
  • When comparing the Price/Earnings ratio of ZION to the average of the S&P500 Index (27.54), we can say ZION is valued rather cheaply.
  • ZION is valuated reasonably with a Price/Forward Earnings ratio of 9.68.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of ZION indicates a somewhat cheap valuation: ZION is cheaper than 67.62% of the companies listed in the same industry.
  • ZION's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.31.
Industry RankSector Rank
PE 10.72
Fwd PE 9.68
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 a bit cheaper than 74.15% of the companies in the same industry.
Industry RankSector Rank
P/FCF 9.19
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 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)3.04
EPS Next 2Y11.66%
EPS Next 3Y9.69%

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7

5. Dividend

5.1 Amount

  • ZION has a Yearly Dividend Yield of 2.95%.
  • ZION's Dividend Yield is comparable with the industry average which is at 2.90.
  • Compared to an average S&P500 Dividend Yield of 1.92, ZION pays a better dividend.
Industry RankSector 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
ZION Yearly Dividends per shareZION Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

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 around the same rate as the earnings are growing. If this keeps up the dividend growth is sustainable.
DP33.17%
EPS Next 2Y11.66%
EPS Next 3Y9.69%
ZION Yearly Income VS Free CF VS DividendZION Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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 (1/16/2026, 11:26:08 AM)

59.84

+0.33 (+0.55%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)10-20
Earnings (Next)01-20
Inst Owners81.2%
Inst Owner Change0.36%
Ins Owners1.61%
Ins Owner Change-1.47%
Market Cap8.83B
Revenue(TTM)3.31B
Net Income(TTM)823.00M
Analysts71.33
Price Target63.68 (6.42%)
Short Float %4.6%
Short Ratio3.68
Dividend
Industry RankSector 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 RankSector Rank
PE 10.72
Fwd PE 9.68
P/S 2.67
P/FCF 9.19
P/OCF 8.24
P/B 1.29
P/tB 1.53
EV/EBITDA N/A
EPS(TTM)5.58
EY9.32%
EPS(NY)6.18
Fwd EY10.33%
FCF(TTM)6.51
FCFY10.88%
OCF(TTM)7.26
OCFY12.13%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)0.54
PEG (5Y)3.04
Graham Number76.41
Profitability
Industry RankSector 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 RankSector 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
WACC16.47%
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%.