ZIONS BANCORP NA (ZION) Stock Fundamental Analysis
USA - NASDAQ:ZION - US9897011071 - Common Stock
52.61 USD
+0.37 (+0.71%)
52.5 USD
-0.11 (-0.21%)
Overall ZION gets a fundamental rating of 4 out of 10. We evaluated ZION against 388 industry peers in the Banks industry. Both the profitability and financial health of ZION have multiple concerns. ZION has a correct valuation and a medium growth rate. ZION also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
ZION had positive earnings in the past year.
ZION had a positive operating cash flow in the past year.
In the past 5 years ZION has always been profitable.
In the past 5 years ZION always reported a positive cash flow from operatings.
1.2 Ratios
ZION's Return On Assets of 0.91% is in line compared to the rest of the industry. ZION outperforms 53.35% of its industry peers.
Looking at the Return On Equity, with a value of 12.23%, ZION belongs to the top 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
ZION has a Profit Margin (24.87%) which is comparable to the rest of the 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 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.
ZION has about the same amout of shares outstanding than it did 1 year ago.
Compared to 5 years ago, ZION has less shares outstanding
Compared to 1 year ago, ZION has an improved debt to assets ratio.
2.2 Solvency
The Debt to FCF ratio of ZION is 10.92, which is on the high side as it means it would take ZION, 10.92 years of fcf income to pay off 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 78.35% of its industry peers.
ZION has a Debt/Equity ratio of 1.07. This is a high value indicating a heavy dependency on external financing.
ZION has a worse Debt to Equity ratio (1.07) 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
WACC17.23%
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.
ZION shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.98%.
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
The Earnings Per Share is expected to grow by 3.26% on average over the next years.
Based on estimates for the next years, ZION will show a small growth in Revenue. The Revenue will grow by 2.96% on average per year.
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
With a Price/Earnings ratio of 9.43, the valuation of ZION can be described as very reasonable.
Based on the Price/Earnings ratio, ZION is valued cheaper than 81.96% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.06. ZION is valued rather cheaply when compared to this.
ZION is valuated reasonably with a Price/Forward Earnings ratio of 8.47.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ZION indicates a somewhat cheap valuation: ZION is cheaper than 75.26% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 32.73. ZION is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 9.43 | ||
| Fwd PE | 8.47 |
4.2 Price Multiples
ZION's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.04 | ||
| 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)0.49
PEG (5Y)2.67
EPS Next 2Y11.89%
EPS Next 3Y9.73%
5. Dividend
5.1 Amount
With a Yearly Dividend Yield of 6.05%, ZION is a good candidate for dividend investing.
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.
ZION's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP34.32%
EPS Next 2Y11.89%
EPS Next 3Y9.73%
52.61
+0.37 (+0.71%)
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 Cap7.77B
Revenue(TTM)3.31B
Net Income(TTM)807.00M
Analysts69.68
Price Target62.92 (19.6%)
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 | 9.43 | ||
| Fwd PE | 8.47 | ||
| P/S | 2.39 | ||
| P/FCF | 12.04 | ||
| P/OCF | 10.31 | ||
| P/B | 1.18 | ||
| P/tB | 1.41 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.58
EY10.61%
EPS(NY)6.21
Fwd EY11.8%
FCF(TTM)4.37
FCFY8.31%
OCF(TTM)5.1
OCFY9.7%
SpS21.98
BVpS44.68
TBVpS37.26
PEG (NY)0.49
PEG (5Y)2.67
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
WACC17.23%
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%.