ZIONS BANCORP NA (ZION) Stock Fundamental Analysis
USA - NASDAQ:ZION - US9897011071 - Common Stock
50.91 USD
-1.54 (-2.94%)
50.91 USD
0 (0%)
Taking everything into account, ZION scores 4 out of 10 in our fundamental rating. ZION was compared to 388 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.
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.
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.
1.2 Ratios
ZION has a Return On Assets (0.91%) which is in line with its industry peers.
With an excellent Return On Equity value of 12.23%, ZION belongs to the best of the industry, outperforming 82.47% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 24.87%, ZION is in line with its industry, outperforming 56.70% of the companies in the same industry.
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) | 24.87% | ||
| 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
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.
Compared to 1 year ago, ZION has an improved debt to assets ratio.
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.
Looking at the Debt to FCF ratio, with a value of 10.92, ZION is doing worse than 78.35% of the companies in the same industry.
A Debt/Equity ratio of 1.07 is on the high side and indicates that ZION has dependencies on debt financing.
The Debt to Equity ratio of ZION (1.07) is worse than 85.31% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.07 | ||
| Debt/FCF | 10.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC17.42%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
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.
The Revenue has been growing slightly by 2.01% on average over the past years.
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
ZION is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.26% yearly.
The Revenue is expected to grow by 2.96% on average over the next years.
EPS Next Y19.38%
EPS Next 2Y11.89%
EPS Next 3Y9.73%
EPS Next 5Y3.26%
Revenue Next Year8.12%
Revenue Next 2Y6.32%
Revenue Next 3Y5.67%
Revenue Next 5Y2.96%
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.
The Revenue growth rate is accelerating: in the next years the growth will be better than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 9.12, the valuation of ZION can be described as reasonable.
Based on the Price/Earnings ratio, ZION is valued cheaply inside the industry as 82.22% of the companies are valued more expensively.
ZION's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.91.
A Price/Forward Earnings ratio of 8.20 indicates a reasonable valuation of ZION.
ZION's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. ZION is cheaper than 76.03% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.57, ZION is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.12 | ||
| Fwd PE | 8.2 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ZION is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.65 | ||
| EV/EBITDA | N/A |
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)0.47
PEG (5Y)2.58
EPS Next 2Y11.89%
EPS Next 3Y9.73%
5. Dividend
5.1 Amount
ZION has a Yearly Dividend Yield of 6.05%, which is a nice return.
ZION's Dividend Yield is rather good when compared to the industry average which is at 3.38. ZION pays more dividend than 93.04% of the companies in the same industry.
ZION's Dividend Yield is rather good when compared to the S&P500 average which is at 2.36.
| 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 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
5.3 Sustainability
ZION pays out 34.32% of its income as dividend. This is a sustainable payout ratio.
The dividend of ZION is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP34.32%
EPS Next 2Y11.89%
EPS Next 3Y9.73%
50.91
-1.54 (-2.94%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.42%
Inst Owner Change1.13%
Ins Owners1.75%
Ins Owner Change-0.52%
Market Cap7.52B
Revenue(TTM)3.31B
Net Income(TTM)807.00M
Analysts69.68
Price Target62.92 (23.59%)
Short Float %4.81%
Short Ratio3.64
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-Date
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)1.2%
PT rev (3m)13.7%
EPS NQ rev (1m)-3.67%
EPS NQ rev (3m)-2.35%
EPS NY rev (1m)1.05%
EPS NY rev (3m)12.38%
Revenue NQ rev (1m)0.03%
Revenue NQ rev (3m)0.2%
Revenue NY rev (1m)0.59%
Revenue NY rev (3m)1.45%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.12 | ||
| Fwd PE | 8.2 | ||
| P/S | 2.32 | ||
| P/FCF | 11.65 | ||
| P/OCF | 9.98 | ||
| P/B | 1.14 | ||
| P/tB | 1.37 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.58
EY10.96%
EPS(NY)6.21
Fwd EY12.2%
FCF(TTM)4.37
FCFY8.58%
OCF(TTM)5.1
OCFY10.02%
SpS21.98
BVpS44.68
TBVpS37.26
PEG (NY)0.47
PEG (5Y)2.58
Graham Number74.9
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
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-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
WACC17.42%
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 Y19.38%
EPS Next 2Y11.89%
EPS Next 3Y9.73%
EPS Next 5Y3.26%
Revenue 1Y (TTM)8.98%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%8.71%
Revenue Next Year8.12%
Revenue Next 2Y6.32%
Revenue Next 3Y5.67%
Revenue Next 5Y2.96%
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 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 of ZIONS BANCORP NA (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 1 / 10.
Is the dividend of ZIONS BANCORP NA sustainable?
The dividend rating of ZIONS BANCORP NA (ZION) is 8 / 10 and the dividend payout ratio is 34.32%.