ZIONS BANCORP NA (ZION) Fundamental Analysis & Valuation

NASDAQ:ZION • US9897011071

Current stock price

56 USD
+0.6 (+1.08%)
Last:

This ZION fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

4

1. ZION Profitability Analysis

1.1 Basic Checks

  • ZION had positive earnings in the past year.
  • ZION had a positive operating cash flow in the past year.
  • Each year in the past 5 years ZION has been profitable.
  • In the past 5 years ZION always reported a positive cash flow from operatings.
ZION Yearly Net Income VS EBIT VS OCF VS FCFZION Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 500M 1B

1.2 Ratios

  • Looking at the Return On Assets, with a value of 0.99%, ZION is in line with its industry, outperforming 55.53% of the companies in the same industry.
  • ZION has a Return On Equity of 12.31%. This is amongst the best in the industry. ZION outperforms 82.11% of its industry peers.
Industry RankSector Rank
ROA 0.99%
ROE 12.31%
ROIC N/A
ROA(3y)0.85%
ROA(5y)0.94%
ROE(3y)11.83%
ROE(5y)13.57%
ROIC(3y)N/A
ROIC(5y)N/A
ZION Yearly ROA, ROE, ROICZION Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 5 10 15

1.3 Margins

  • ZION has a Profit Margin of 26.12%. This is comparable to the rest of the industry: ZION outperforms 55.53% of its industry peers.
  • ZION's Profit Margin has improved in the last couple of years.
  • ZION does not have Operating Margin and Gross Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) 26.12%
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3Y-1.83%
PM growth 5Y7.78%
GM growth 3YN/A
GM growth 5YN/A
ZION Yearly Profit, Operating, Gross MarginsZION Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 10 20 30

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2

2. ZION Health Analysis

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.
  • ZION has less shares outstanding than it did 5 years ago.
  • The debt/assets ratio for ZION has been reduced compared to a year ago.
ZION Yearly Shares OutstandingZION Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M
ZION Yearly Total Debt VS Total AssetsZION Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 20B 40B 60B 80B

2.2 Solvency

  • ZION has a debt to FCF ratio of 4.81. This is a neutral value as ZION would need 4.81 years to pay back of all of its debts.
  • ZION has a Debt to FCF ratio of 4.81. This is in the lower half of the industry: ZION underperforms 68.42% of its industry peers.
  • A Debt/Equity ratio of 0.64 indicates that ZION is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.64, ZION is doing worse than 80.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 4.81
Altman-Z N/A
ROIC/WACCN/A
WACC15.15%
ZION Yearly LT Debt VS Equity VS FCFZION Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ZION Yearly Current Assets VS Current LiabilitesZION Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2B 4B 6B 8B 10B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. ZION Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 20.97% over the past year.
  • Measured over the past years, ZION shows a quite strong growth in Earnings Per Share. The EPS has been growing by 14.49% on average per year.
  • ZION shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 8.15%.
  • Measured over the past years, ZION shows a small growth in Revenue. The Revenue has been growing by 3.94% on average per year.
EPS 1Y (TTM)20.97%
EPS 3Y1.14%
EPS 5Y14.49%
EPS Q2Q%31.34%
Revenue 1Y (TTM)8.15%
Revenue growth 3Y2.41%
Revenue growth 5Y3.94%
Sales Q2Q%8.66%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.33% 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 3.12% on average per year.
EPS Next Y5.46%
EPS Next 2Y5.63%
EPS Next 3Y4.93%
EPS Next 5Y3.33%
Revenue Next Year4.82%
Revenue Next 2Y4.73%
Revenue Next 3Y3.97%
Revenue Next 5Y3.12%

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 decreasing.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
ZION Yearly Revenue VS EstimatesZION Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1B 2B 3B 4B
ZION Yearly EPS VS EstimatesZION Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 2 4 6 8

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5

4. ZION Valuation Analysis

4.1 Price/Earnings Ratio

  • ZION is valuated reasonably with a Price/Earnings ratio of 9.33.
  • ZION's Price/Earnings ratio is rather cheap when compared to the industry. ZION is cheaper than 83.95% of the companies in the same industry.
  • The average S&P500 Price/Earnings ratio is at 24.89. ZION is valued rather cheaply when compared to this.
  • Based on the Price/Forward Earnings ratio of 8.85, the valuation of ZION can be described as reasonable.
  • 76.84% of the companies in the same industry are more expensive than ZION, based on the Price/Forward Earnings ratio.
  • The average S&P500 Price/Forward Earnings ratio is at 22.19. ZION is valued rather cheaply when compared to this.
Industry RankSector Rank
PE 9.33
Fwd PE 8.85
ZION Price Earnings VS Forward Price EarningsZION Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20

4.2 Price Multiples

  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of ZION indicates a somewhat cheap valuation: ZION is cheaper than 75.00% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 8.7
EV/EBITDA N/A
ZION Per share dataZION EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

4.3 Compensation for Growth

  • The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
PEG (NY)1.71
PEG (5Y)0.64
EPS Next 2Y5.63%
EPS Next 3Y4.93%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

7

5. ZION Dividend Analysis

5.1 Amount

  • With a Yearly Dividend Yield of 2.95%, ZION has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.66, ZION has a dividend in line with its industry peers.
  • ZION's Dividend Yield is rather good when compared to the S&P500 average which is at 1.89.
Industry RankSector Rank
Dividend Yield 2.95%

5.2 History

  • The dividend of ZION has a limited annual growth rate of 2.79%.
  • 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)2.79%
Div Incr Years12
Div Non Decr Years14
ZION Yearly Dividends per shareZION Yearly Dividends per shareYearly Dividends per share 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 0.5 1 1.5

5.3 Sustainability

  • ZION pays out 30.20% of its income as dividend. This is a sustainable payout ratio.
  • ZION's earnings are growing around the same pace than its dividend. As long as the earnings growth is kept the dividend growth is sustainable.
DP30.2%
EPS Next 2Y5.63%
EPS Next 3Y4.93%
ZION Yearly Income VS Free CF VS DividendZION Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B
ZION Dividend Payout.ZION Dividend Payout, showing the Payout Ratio.ZION Dividend Payout.PayoutRetained Earnings

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ZION Fundamentals: All Metrics, Ratios and Statistics

ZIONS BANCORP NA

NASDAQ:ZION (3/30/2026, 12:05:01 PM)

56

+0.6 (+1.08%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners81.33%
Inst Owner Change1.12%
Ins Owners1.66%
Ins Owner Change1.88%
Market Cap8.28B
Revenue(TTM)3.38B
Net Income(TTM)884.00M
Analysts69.66
Price Target68.24 (21.86%)
Short Float %3.25%
Short Ratio2.48
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend1.81
Dividend Growth(5Y)2.79%
DP30.2%
Div Incr Years12
Div Non Decr Years14
Ex-Date02-12
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)6.57%
Min EPS beat(2)2.79%
Max EPS beat(2)10.36%
EPS beat(4)3
Avg EPS beat(4)7.17%
Min EPS beat(4)-6.32%
Max EPS beat(4)21.85%
EPS beat(8)6
Avg EPS beat(8)7.44%
EPS beat(12)7
Avg EPS beat(12)5.49%
EPS beat(16)9
Avg EPS beat(16)4.03%
Revenue beat(2)2
Avg Revenue beat(2)0.68%
Min Revenue beat(2)0.12%
Max Revenue beat(2)1.24%
Revenue beat(4)3
Avg Revenue beat(4)0.11%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)1.31%
Revenue beat(8)5
Avg Revenue beat(8)0.01%
Revenue beat(12)6
Avg Revenue beat(12)-0.76%
Revenue beat(16)7
Avg Revenue beat(16)-0.8%
PT rev (1m)0.24%
PT rev (3m)6.9%
EPS NQ rev (1m)0.26%
EPS NQ rev (3m)2.99%
EPS NY rev (1m)0%
EPS NY rev (3m)2.32%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.49%
Revenue NY rev (1m)-0.11%
Revenue NY rev (3m)0.45%
Valuation
Industry RankSector Rank
PE 9.33
Fwd PE 8.85
P/S 2.45
P/FCF 8.7
P/OCF 7.72
P/B 1.15
P/tB 1.36
EV/EBITDA N/A
EPS(TTM)6
EY10.71%
EPS(NY)6.33
Fwd EY11.3%
FCF(TTM)6.44
FCFY11.5%
OCF(TTM)7.26
OCFY12.96%
SpS22.89
BVpS48.55
TBVpS41.17
PEG (NY)1.71
PEG (5Y)0.64
Graham Number80.96
Profitability
Industry RankSector Rank
ROA 0.99%
ROE 12.31%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 26.12%
GM N/A
FCFM 28.12%
ROA(3y)0.85%
ROA(5y)0.94%
ROE(3y)11.83%
ROE(5y)13.57%
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-1.83%
PM growth 5Y7.78%
GM growth 3YN/A
GM growth 5YN/A
F-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.64
Debt/FCF 4.81
Debt/EBITDA N/A
Cap/Depr 104.31%
Cap/Sales 3.57%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 107.69%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC15.15%
ROIC/WACCN/A
Cap/Depr(3y)87.75%
Cap/Depr(5y)N/A
Cap/Sales(3y)3.43%
Cap/Sales(5y)4.68%
Profit Quality(3y)124.04%
Profit Quality(5y)111.62%
High Growth Momentum
Growth
EPS 1Y (TTM)20.97%
EPS 3Y1.14%
EPS 5Y14.49%
EPS Q2Q%31.34%
EPS Next Y5.46%
EPS Next 2Y5.63%
EPS Next 3Y4.93%
EPS Next 5Y3.33%
Revenue 1Y (TTM)8.15%
Revenue growth 3Y2.41%
Revenue growth 5Y3.94%
Sales Q2Q%8.66%
Revenue Next Year4.82%
Revenue Next 2Y4.73%
Revenue Next 3Y3.97%
Revenue Next 5Y3.12%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year-17.77%
EBIT Next 3Y4.54%
EBIT Next 5YN/A
FCF growth 1Y-9.42%
FCF growth 3Y-9.4%
FCF growth 5Y11.68%
OCF growth 1Y-6.53%
OCF growth 3Y-9.96%
OCF growth 5Y8.34%

ZIONS BANCORP NA / ZION Fundamental Analysis 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 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 4 / 10.


What is the financial health of ZIONS BANCORP NA (ZION) stock?

The financial health rating of ZIONS BANCORP NA (ZION) is 2 / 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 30.2%.