59.13 USD
-0.05 (-0.08%)
59.13 USD
0 (0%)
ZION gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 383 industry peers in the Banks industry. ZION has a bad profitability rating. Also its financial health evaluation is rather negative. ZION has a valuation in line with the averages, but it does not seem to be growing. 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.
- Of the past 5 years ZION 4 years were profitable.
- Of the past 5 years ZION 4 years had a positive operating cash flow.
1.2 Ratios
- Looking at the Return On Assets, with a value of 0.93%, ZION is in line with its industry, outperforming 53.26% of the companies in the same industry.
- ZION has a better Return On Equity (11.99%) than 81.46% 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
- ZION has a Profit Margin (24.83%) which is in line with 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 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.
- ZION has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
- The Debt to FCF ratio of ZION is 5.44, which is a neutral value as it means it would take ZION, 5.44 years of fcf income to pay off all of its debts.
- With a Debt to FCF ratio value of 5.44, ZION is not doing good in the industry: 73.37% of the companies in the same industry are doing better.
- A Debt/Equity ratio of 0.76 indicates that 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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.61%
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 20.97%, which is quite impressive.
- The Earnings Per Share has been growing by 14.49% on average over the past years. This is quite good.
EPS 1Y (TTM)20.97%
EPS 3Y1.14%
EPS 5Y14.49%
EPS Q2Q%31.34%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.66%
3.2 Future
- ZION is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.33% yearly.
- ZION is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.12% yearly.
EPS Next Y3.37%
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
EPS Next 5Y3.33%
Revenue Next Year4.76%
Revenue Next 2Y4.68%
Revenue Next 3Y4.19%
Revenue Next 5Y3.12%
3.3 Evolution
- The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- ZION is valuated reasonably with a Price/Earnings ratio of 9.86.
- 83.29% of the companies in the same industry are more expensive than ZION, based on the Price/Earnings ratio.
- The average S&P500 Price/Earnings ratio is at 28.82. ZION is valued rather cheaply when compared to this.
- The Price/Forward Earnings ratio is 9.53, which indicates a very decent valuation of ZION.
- 69.45% of the companies in the same industry are more expensive than ZION, based on the Price/Forward Earnings ratio.
- ZION is valuated cheaply when we compare the Price/Forward Earnings ratio to 25.95, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.86 | ||
| Fwd PE | 9.53 |
4.2 Price Multiples
- Based on the Price/Free Cash Flow ratio, ZION is valued a bit cheaper than 74.41% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 9.08 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
- The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates ZION does not grow enough to justify the current Price/Earnings ratio.
- ZION's earnings are expected to decrease with -3.35% in the coming years. This may justify a cheaper valuation.
PEG (NY)2.92
PEG (5Y)0.68
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
5. Dividend
5.1 Amount
- ZION has a Yearly Dividend Yield of 2.95%.
- ZION's Dividend Yield is a higher than the industry average which is at 2.60.
- Compared to an average S&P500 Dividend Yield of 1.82, 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.
- ZION's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP33.17%
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
ZIONS BANCORP NA / ZION FAQ
What is the ChartMill fundamental rating of ZIONS BANCORP NA (ZION) stock?
ChartMill assigns a fundamental rating of 3 / 10 to ZION.
What is the valuation status for ZION stock?
ChartMill assigns a valuation rating of 5 / 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 1 / 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%.