ZION Fundamental Analysis - ZIONS BANCORP NA

Fundamental Rating

We assign a fundamental rating of 3 out of 10 to ZION. ZION was compared to 392 industry peers in the Banks industry. Both the profitability and financial health of ZION have multiple concerns. ZION is not valued too expensively and it also shows a decent growth rate. ZION also has an excellent dividend rating.

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1. Profitability

1.1 Basic Checks

ZION had positive earnings in the past year.

In the past year ZION had a positive cash flow from operations.

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.

1.2 Ratios

With a Return On Assets value of 0.91%, ZION perfoms like the industry average, outperforming 53.57% of the companies in the same industry.

The Return On Equity of ZION (12.23%) is better than 83.42% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.91%
ROE	12.23%
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

ZION has a Profit Margin (24.87%) which is in line with its industry peers.

ZION's Profit Margin has declined in the last couple of years.

The Operating Margin and Gross Margin are not available for ZION so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	24.87%
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

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

ZION does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, ZION has about the same amount of shares outstanding.

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 10.92. This is a negative value and a sign of low solvency as ZION would need 10.92 years to pay back of all of its debts.

ZION's Debt to FCF ratio of 10.92 is on the low side compared to the rest of the industry. ZION is outperformed by 77.55% of its industry peers.

A Debt/Equity ratio of 1.07 is on the high side and indicates that ZION has dependencies on debt financing.

With a Debt to Equity ratio value of 1.07, ZION is not doing good in the industry: 84.69% of the companies in the same industry are doing better.

		Industry Rank	Sector Rank
Debt/Equity	1.07
Debt/FCF	10.92
Altman-Z	N/A

ROIC/WACCN/A

WACC16.85%

2.3 Liquidity

		Industry Rank	Sector Rank
Current Ratio	N/A
Quick Ratio	N/A

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

ZION shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 17.13%, 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.

ZION shows a small growth in Revenue. In the last year, the Revenue has grown by 7.66%.

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)17.13%

EPS 3Y-9.85%

EPS 5Y3.53%

EPS Q2Q%26.36%

Revenue 1Y (TTM)7.66%

Revenue growth 3Y2.45%

Revenue growth 5Y2.01%

Sales Q2Q%7.99%

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 Y17.98%

EPS Next 2Y10.02%

EPS Next 3Y8.37%

EPS Next 5Y3.73%

Revenue Next Year7.58%

Revenue Next 2Y5.97%

Revenue Next 3Y5.34%

Revenue Next 5Y3.08%

3.3 Evolution

The EPS growth rate is stable: in the next years the growth will be about the same than in the last years.

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.

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4. Valuation

4.1 Price/Earnings Ratio

ZION is valuated reasonably with a Price/Earnings ratio of 10.73.

Based on the Price/Earnings ratio, ZION is valued a bit cheaper than the industry average as 77.04% of the companies are valued more expensively.

ZION is valuated cheaply when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.

ZION is valuated reasonably with a Price/Forward Earnings ratio of 9.78.

Compared to the rest of the industry, the Price/Forward Earnings ratio of ZION indicates a somewhat cheap valuation: ZION is cheaper than 61.48% of the companies listed in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 22.86, ZION is valued rather cheaply.

		Industry Rank	Sector Rank
PE	10.73
Fwd PE	9.78

4.2 Price Multiples

ZION's Price/Free Cash Flow ratio is in line with the industry average.

		Industry Rank	Sector Rank
P/FCF	13.43
EV/EBITDA	N/A

4.3 Compensation for Growth

ZION's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)0.6

PEG (5Y)3.04

EPS Next 2Y10.02%

EPS Next 3Y8.37%

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5. Dividend

5.1 Amount

ZION has a Yearly Dividend Yield of 6.05%, which is a nice return.

Compared to an average industry Dividend Yield of 3.73, ZION pays a better dividend. On top of this ZION pays more dividend than 83.16% of the companies listed in the same industry.

Compared to an average S&P500 Dividend Yield of 2.38, ZION pays a better dividend.

		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 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

5.3 Sustainability

34.32% of the earnings are spent on dividend by ZION. This is a low number and sustainable payout ratio.

ZION's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.

DP34.32%

EPS Next 2Y10.02%

EPS Next 3Y8.37%

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ZIONS BANCORP NA

NASDAQ:ZION (9/19/2025, 8:00:02 PM)

After market: 58.85 +0.15 (+0.26%)

58.7

-0.45 (-0.76%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupBanks

GICS IndustryBanks

Earnings (Last)07-21 2025-07-21/amc

Earnings (Next)10-20 2025-10-20/amc

Inst Owners79.85%

Inst Owner Change-0.67%

Ins Owners1.75%

Ins Owner Change-0.17%

Market Cap8.67B

Analysts66.21

Price Target61.2 (4.26%)

Short Float %4.32%

Short Ratio4.18

Dividend

		Industry Rank	Sector Rank
Dividend Yield	6.05%

Yearly Dividend1.95

Dividend Growth(5Y)5.8%

DP34.32%

Div Incr Years12

Div Non Decr Years14

Ex-Date08-14 2025-08-14 (0.45)

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)7.77%

Min EPS beat(2)-6.32%

Max EPS beat(2)21.85%

EPS beat(4)3

Avg EPS beat(4)8.69%

Min EPS beat(4)-6.32%

Max EPS beat(4)21.85%

EPS beat(8)5

Avg EPS beat(8)8.74%

EPS beat(12)6

Avg EPS beat(12)4.13%

EPS beat(16)9

Avg EPS beat(16)3.58%

Revenue beat(2)1

Avg Revenue beat(2)-0.45%

Min Revenue beat(2)-2.22%

Max Revenue beat(2)1.31%

Revenue beat(4)2

Avg Revenue beat(4)0.16%

Min Revenue beat(4)-2.22%

Max Revenue beat(4)1.87%

Revenue beat(8)3

Avg Revenue beat(8)-1.08%

Revenue beat(12)4

Avg Revenue beat(12)-0.96%

Revenue beat(16)6

Avg Revenue beat(16)-0.97%

PT rev (1m)-0.18%

PT rev (3m)13.21%

EPS NQ rev (1m)0.02%

EPS NQ rev (3m)6.09%

EPS NY rev (1m)11.06%

EPS NY rev (3m)11.74%

Revenue NQ rev (1m)0.16%

Revenue NQ rev (3m)1.13%

Revenue NY rev (1m)0.95%

Revenue NY rev (3m)2.28%

Valuation

		Industry Rank	Sector Rank
PE	10.73
Fwd PE	9.78
P/S	2.67
P/FCF	13.43
P/OCF	11.51
P/B	1.31
P/tB	1.58
EV/EBITDA	N/A

EPS(TTM)5.47

EY9.32%

EPS(NY)6

Fwd EY10.23%

FCF(TTM)4.37

FCFY7.44%

OCF(TTM)5.1

OCFY8.69%

SpS21.98

BVpS44.68

TBVpS37.26

PEG (NY)0.6

PEG (5Y)3.04

Profitability

		Industry Rank	Sector Rank
ROA	0.91%
ROE	12.23%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	24.87%
GM	N/A
FCFM	19.88%

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-Score7

Asset Turnover0.04

Health

		Industry Rank	Sector Rank
Debt/Equity	1.07
Debt/FCF	10.92
Debt/EBITDA	N/A
Cap/Depr	91.53%
Cap/Sales	3.33%
Interest Coverage	N/A
Cash Conversion	N/A
Profit Quality	79.93%
Current Ratio	N/A
Quick Ratio	N/A
Altman-Z	N/A

F-Score7

WACC16.85%

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)17.13%

EPS 3Y-9.85%

EPS 5Y3.53%

EPS Q2Q%26.36%

EPS Next Y17.98%

EPS Next 2Y10.02%

EPS Next 3Y8.37%

EPS Next 5Y3.73%

Revenue 1Y (TTM)7.66%

Revenue growth 3Y2.45%

Revenue growth 5Y2.01%

Sales Q2Q%7.99%

Revenue Next Year7.58%

Revenue Next 2Y5.97%

Revenue Next 3Y5.34%

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-52.01%

FCF growth 3Y35.44%

FCF growth 5Y12.63%

OCF growth 1Y-49.29%

OCF growth 3Y22.21%

OCF growth 5Y10.49%

ZIONS BANCORP NA (ZION) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

5.2 History

5.3 Sustainability

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