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ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

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

54.54  -2.38 (-4.18%)

After market: 54.54 0 (0%)

Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to ZION. ZION was compared to 394 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.


Dividend Valuation Growth Profitability Health

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3

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.
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

ZION has a Return On Assets (0.86%) which is comparable to the rest of the industry.
Looking at the Return On Equity, with a value of 11.98%, ZION belongs to the top of the industry, outperforming 82.49% of the companies in the same industry.
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

With a Profit Margin value of 23.81%, ZION perfoms like the industry average, outperforming 50.76% of the companies in the same 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 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.
The number of shares outstanding for ZION has been reduced compared to 5 years ago.
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

The Debt to FCF ratio of ZION is 4.57, which is a neutral value as it means it would take ZION, 4.57 years of fcf income to pay off all of its debts.
With a Debt to FCF ratio value of 4.57, ZION is not doing good in the industry: 69.29% 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.
Looking at the Debt to Equity ratio, with a value of 0.70, ZION is doing worse than 82.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 4.57
Altman-Z N/A
ROIC/WACCN/A
WACC17.35%
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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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 14.25% over the past year.
The Earnings Per Share has been growing slightly by 3.53% on average over the past years.
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

Based on estimates for the next years, ZION will show a small growth in Earnings Per Share. The EPS will grow by 3.73% on average per year.
Based on estimates for the next years, ZION will show a small growth in Revenue. The Revenue will grow by 3.08% on average per year.
EPS Next Y6.23%
EPS Next 2Y6.45%
EPS Next 3Y5.75%
EPS Next 5Y3.73%
Revenue Next Year5.31%
Revenue Next 2Y4.66%
Revenue Next 3Y4.22%
Revenue Next 5Y3.08%

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.
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

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 10.63 indicates a reasonable valuation of ZION.
Based on the Price/Earnings ratio, ZION is valued a bit cheaper than 75.38% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.18, ZION is valued rather cheaply.
With a Price/Forward Earnings ratio of 9.70, the valuation of ZION can be described as very reasonable.
ZION's Price/Forward Earnings is on the same level as the industry average.
The average S&P500 Price/Forward Earnings ratio is at 35.34. ZION is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 10.63
Fwd PE 9.7
ZION Price Earnings VS Forward Price EarningsZION Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, ZION is valued a bit cheaper than the industry average as 79.70% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 8.28
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

ZION's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.71
PEG (5Y)3.01
EPS Next 2Y6.45%
EPS Next 3Y5.75%

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6

5. Dividend

5.1 Amount

ZION has a Yearly Dividend Yield of 3.06%.
ZION's Dividend Yield is comparable with the industry average which is at 3.30.
Compared to an average S&P500 Dividend Yield of 2.34, ZION pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.06%

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
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 2Y6.45%
EPS Next 3Y5.75%
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 (7/15/2025, 8:00:02 PM)

After market: 54.54 0 (0%)

54.54

-2.38 (-4.18%)

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 Owners79.27%
Inst Owner Change0%
Ins Owners1.76%
Ins Owner Change3.36%
Market Cap8.05B
Analysts66.21
Price Target53.44 (-2.02%)
Short Float %3.98%
Short Ratio4.24
Dividend
Industry RankSector Rank
Dividend Yield 3.06%
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)-1.15%
PT rev (3m)-14.86%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)0.36%
EPS NY rev (1m)0.61%
EPS NY rev (3m)-1.94%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)-0.53%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 10.63
Fwd PE 9.7
P/S 2.53
P/FCF 8.28
P/OCF 7.55
P/B 1.27
P/tB 1.54
EV/EBITDA N/A
EPS(TTM)5.13
EY9.41%
EPS(NY)5.62
Fwd EY10.3%
FCF(TTM)6.59
FCFY12.08%
OCF(TTM)7.22
OCFY13.24%
SpS21.57
BVpS42.87
TBVpS35.39
PEG (NY)1.71
PEG (5Y)3.01
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
WACC17.35%
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 Y6.23%
EPS Next 2Y6.45%
EPS Next 3Y5.75%
EPS Next 5Y3.73%
Revenue 1Y (TTM)5.47%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.14%
Revenue Next Year5.31%
Revenue Next 2Y4.66%
Revenue Next 3Y4.22%
Revenue Next 5Y3.08%
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%