ZIONS BANCORP NA (ZION)
US9897011071 - Common Stock
ZION gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 412 industry peers in the Banks industry. ZION may be in some trouble as it scores bad on both profitability and health. ZION is not valued too expensively and it also shows a decent growth rate.
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.
ZION had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of 0.74%, ZION is not doing good in the industry: 62.86% of the companies in the same industry are doing better.
The Return On Equity of ZION (11.32%) is better than 71.36% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 11.32% | ||
| ROIC | N/A |
ROA(3y)0.96%
ROA(5y)0.92%
ROE(3y)14.55%
ROE(5y)12.11%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
ZION has a worse Profit Margin (20.67%) than 64.08% of its industry peers.
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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | N/A | ||
| PM (TTM) | 20.67% | ||
| GM | N/A |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y4.7%
PM growth 5Y-7.42%
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.
Compared to 1 year ago, ZION has less shares outstanding
Compared to 5 years ago, ZION has less shares outstanding
The debt/assets ratio for ZION has been reduced compared to a year ago.
2.2 Solvency
The Debt to FCF ratio of ZION is 6.37, which is on the high side as it means it would take ZION, 6.37 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 6.37, ZION is doing worse than 71.60% of the companies in the same industry.
ZION has a Debt/Equity ratio of 0.86. This is a neutral value indicating ZION is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.86, ZION is doing worse than 81.31% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.86 | ||
| Debt/FCF | 6.37 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC13.71%
2.3 Liquidity
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | N/A | ||
| Quick Ratio | N/A |
3. Growth
3.1 Past
The earnings per share for ZION have decreased strongly by -16.21% in the last year.
Measured over the past 5 years, ZION shows a small growth in Earnings Per Share. The EPS has been growing by 3.46% on average per year.
The Revenue has decreased by -1.17% in the past year.
The Revenue has been growing slightly by 2.29% on average over the past years.
EPS 1Y (TTM)-16.21%
EPS 3Y16.8%
EPS 5Y3.46%
EPS growth Q2Q-29.89%
Revenue 1Y (TTM)-1.17%
Revenue growth 3Y3.74%
Revenue growth 5Y2.29%
Revenue growth Q2Q-16.27%
3.2 Future
ZION is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 7.21% yearly.
ZION is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.10% yearly.
EPS Next Y-10.86%
EPS Next 2Y-1.64%
EPS Next 3Y3.06%
EPS Next 5Y7.21%
Revenue Next Year-4.4%
Revenue Next 2Y-0.11%
Revenue Next 3Y0.65%
Revenue Next 5Y4.1%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better 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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 8.21, the valuation of ZION can be described as reasonable.
ZION's Price/Earnings ratio is a bit cheaper when compared to the industry. ZION is cheaper than 68.45% of the companies in the same industry.
ZION's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 24.76.
Based on the Price/Forward Earnings ratio of 9.21, the valuation of ZION can be described as reasonable.
66.99% of the companies in the same industry are more expensive than ZION, based on the Price/Forward Earnings ratio.
ZION's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.26.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.21 | ||
| Fwd PE | 9.21 |
4.2 Price Multiples
Based on the Price/Free Cash Flow ratio, ZION is valued a bit cheaper than 60.44% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 7.63 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)2.37
EPS Next 2Y-1.64%
EPS Next 3Y3.06%
5. Dividend
5.1 Amount
ZION has a Yearly Dividend Yield of 3.97%.
ZION's Dividend Yield is comparable with the industry average which is at 3.92.
ZION's Dividend Yield is rather good when compared to the S&P500 average which is at 2.40.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.97% |
5.2 History
On average, the dividend of ZION grows each year by 9.19%, which is quite nice.
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)9.19%
Div Incr Years11
Div Non Decr Years13
5.3 Sustainability
ZION pays out 43.79% of its income as dividend. This is a bit on the high side, but may be sustainable.
The dividend of ZION is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP43.79%
EPS Next 2Y-1.64%
EPS Next 3Y3.06%
ZIONS BANCORP NA
NASDAQ:ZION (4/19/2024, 7:25:50 PM)
After market: 39.92 0 (0%)39.92
+0.68 (+1.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap5.89B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.97% |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 8.21 | ||
| Fwd PE | 9.21 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)2.37
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.74% | ||
| ROE | 11.32% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | 20.67% | ||
| GM | N/A | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.86 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-16.21%
EPS 3Y16.8%
EPS 5Y
EPS growth Q2Q
EPS Next Y-10.86%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)-1.17%
Revenue growth 3Y3.74%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y