ZIONS BANCORP NA (ZION) Stock Fundamental Analysis
NASDAQ:ZION - US9897011071 - Common Stock
58.11 USD
+0.69 (+1.2%)
58.11 USD
0 (0%)
Overall ZION gets a fundamental rating of 3 out of 10. We evaluated ZION against 395 industry peers in the Banks industry. ZION has a bad profitability rating. Also its financial health evaluation is rather negative. 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
Looking at the Return On Assets, with a value of 0.91%, ZION is in line with its industry, outperforming 53.67% of the companies in the same industry.
ZION has a better Return On Equity (12.23%) than 83.80% of its industry peers.
| 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 56.71% of the companies in the same 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.
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.
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 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.
Looking at the Debt to FCF ratio, with a value of 10.92, ZION is doing worse than 78.23% of the companies in the same industry.
ZION has a Debt/Equity ratio of 1.07. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 1.07, ZION is not doing good in the industry: 85.32% of the companies in the same industry are doing better.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 1.07 | ||
| Debt/FCF | 10.92 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC16.86%
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 17.13% 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 a small growth in Revenue. In the last year, the Revenue has grown by 7.66%.
The Revenue has been growing slightly by 2.01% on average over the past years.
EPS 1Y (TTM)17.13%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%26.36%
Revenue 1Y (TTM)7.66%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.99%
3.2 Future
ZION is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.73% yearly.
Based on estimates for the next years, ZION will show a small growth in Revenue. The Revenue will grow by 3.08% on average per year.
EPS Next Y17.98%
EPS Next 2Y10.02%
EPS Next 3Y8.37%
EPS Next 5Y3.73%
Revenue Next Year7.26%
Revenue Next 2Y5.82%
Revenue Next 3Y5.14%
Revenue Next 5Y3.08%
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
The Price/Earnings ratio is 10.62, which indicates a very decent valuation of ZION.
78.99% of the companies in the same industry are more expensive than ZION, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 26.84, ZION is valued rather cheaply.
ZION is valuated reasonably with a Price/Forward Earnings ratio of 9.68.
Based on the Price/Forward Earnings ratio, ZION is valued a bit cheaper than the industry average as 63.29% of the companies are valued more expensively.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.48, ZION is valued rather cheaply.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.62 | ||
| Fwd PE | 9.68 |
4.2 Price Multiples
ZION's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.3 | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
ZION's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
PEG (NY)0.59
PEG (5Y)3.01
EPS Next 2Y10.02%
EPS Next 3Y8.37%
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 3.17. ZION pays more dividend than 93.67% of the companies in the same industry.
Compared to an average S&P500 Dividend Yield of 2.32, ZION pays a better dividend.
| 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
34.32% of the earnings are spent on dividend by ZION. This is a low number and sustainable payout ratio.
ZION's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP34.32%
EPS Next 2Y10.02%
EPS Next 3Y8.37%
58.11
+0.69 (+1.2%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.85%
Inst Owner Change-0.67%
Ins Owners1.75%
Ins Owner Change-0.17%
Market Cap8.58B
Analysts66.21
Price Target61.26 (5.42%)
Short Float %4.27%
Short Ratio4.19
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)10.7%
PT rev (3m)12.25%
EPS NQ rev (1m)1.12%
EPS NQ rev (3m)5.92%
EPS NY rev (1m)11.06%
EPS NY rev (3m)11.74%
Revenue NQ rev (1m)0.19%
Revenue NQ rev (3m)1.13%
Revenue NY rev (1m)0.65%
Revenue NY rev (3m)1.95%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 10.62 | ||
| Fwd PE | 9.68 | ||
| P/S | 2.64 | ||
| P/FCF | 13.3 | ||
| P/OCF | 11.39 | ||
| P/B | 1.3 | ||
| P/tB | 1.56 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.47
EY9.41%
EPS(NY)6
Fwd EY10.33%
FCF(TTM)4.37
FCFY7.52%
OCF(TTM)5.1
OCFY8.78%
SpS21.98
BVpS44.68
TBVpS37.26
PEG (NY)0.59
PEG (5Y)3.01
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
ROICexcg growth 3YN/A
ROICexcg 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
WACC16.86%
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)17.13%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%26.36%
EPS Next Y17.98%
EPS Next 2Y10.02%
EPS Next 3Y8.37%
EPS Next 5Y3.73%
Revenue 1Y (TTM)7.66%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%7.99%
Revenue Next Year7.26%
Revenue Next 2Y5.82%
Revenue Next 3Y5.14%
Revenue Next 5Y3.08%
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%