20.8098 USD
+0.3 (+1.46%)
20.82 USD
+0.01 (+0.05%)
ZIONP gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 387 industry peers in the Banks industry. Both the profitability and financial health of ZIONP have multiple concerns. ZIONP may be a bit undervalued, certainly considering the very reasonable score on growth Finally ZIONP also has an excellent dividend rating.
1. Profitability
1.1 Basic Checks
In the past year ZIONP was profitable.
In the past year ZIONP had a positive cash flow from operations.
ZIONP had positive earnings in each of the past 5 years.
Each year in the past 5 years ZIONP had a positive operating cash flow.
1.2 Ratios
ZIONP has a Return On Assets (0.93%) which is comparable to the rest of the industry.
With an excellent Return On Equity value of 11.99%, ZIONP belongs to the best of the industry, outperforming 81.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 11.99% | ||
| 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
The Profit Margin of ZIONP (24.83%) is comparable to the rest of the industry.
In the last couple of years the Profit Margin of ZIONP has declined.
ZIONP 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) | 24.83% | ||
| 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
ZIONP does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for ZIONP remains at a similar level compared to 1 year ago.
The number of shares outstanding for ZIONP has been reduced compared to 5 years ago.
ZIONP has a better debt/assets ratio than last year.
2.2 Solvency
The Debt to FCF ratio of ZIONP is 5.44, which is a neutral value as it means it would take ZIONP, 5.44 years of fcf income to pay off all of its debts.
ZIONP has a worse Debt to FCF ratio (5.44) than 72.61% of its industry peers.
ZIONP has a Debt/Equity ratio of 0.76. This is a neutral value indicating ZIONP is somewhat dependend on debt financing.
ZIONP's Debt to Equity ratio of 0.76 is on the low side compared to the rest of the industry. ZIONP is outperformed by 82.69% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC22.97%
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, ZIONP 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
The Earnings Per Share is expected to grow by 3.26% on average over the next years.
Based on estimates for the next years, ZIONP 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
The EPS growth rate is stable: in the next years the growth will be about the same 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 3.73, the valuation of ZIONP can be described as very cheap.
97.42% of the companies in the same industry are more expensive than ZIONP, based on the Price/Earnings ratio.
ZIONP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 25.98.
Based on the Price/Forward Earnings ratio of 3.35, the valuation of ZIONP can be described as very cheap.
97.67% of the companies in the same industry are more expensive than ZIONP, based on the Price/Forward Earnings ratio.
The average S&P500 Price/Forward Earnings ratio is at 35.79. ZIONP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.73 | ||
| Fwd PE | 3.35 |
4.2 Price Multiples
Compared to the rest of the industry, the Price/Free Cash Flow ratio of ZIONP indicates a rather cheap valuation: ZIONP is cheaper than 96.38% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.2 | ||
| 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)0.19
PEG (5Y)1.06
EPS Next 2Y11.89%
EPS Next 3Y9.73%
5. Dividend
5.1 Amount
ZIONP has a Yearly Dividend Yield of 6.05%, which is a nice return.
Compared to an average industry Dividend Yield of 3.33, ZIONP pays a better dividend. On top of this ZIONP pays more dividend than 94.06% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.41, ZIONP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.05% |
5.2 History
The dividend of ZIONP has a limited annual growth rate of 5.80%.
ZIONP has been paying a dividend for at least 10 years, so it has a reliable track record.
ZIONP has not decreased its dividend in the last 3 years.
Dividend Growth(5Y)5.8%
Div Incr Years2
Div Non Decr Years3
5.3 Sustainability
ZIONP pays out 33.17% of its income as dividend. This is a sustainable payout ratio.
The dividend of ZIONP is growing, but the earnings are growing slower. This means the dividend growth is not sustainable.
DP33.17%
EPS Next 2Y11.89%
EPS Next 3Y9.73%
ZIONS BANCORP NA - ZION 4.81942 PERP
NASDAQ:ZIONP (11/25/2025, 8:19:20 PM)
Premarket: 20.82 +0.01 (+0.05%)20.8098
+0.3 (+1.46%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners79.42%
Inst Owner ChangeN/A
Ins Owners1.75%
Ins Owner ChangeN/A
Market Cap3.07B
Revenue(TTM)3.31B
Net Income(TTM)823.00M
Analysts69.68
Price Target25.48 (22.44%)
Short Float %0%
Short Ratio0.96
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 6.05% |
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP33.17%
Div Incr Years2
Div Non Decr Years3
Ex-Date
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)12.32%
Min EPS beat(2)2.79%
Max EPS beat(2)21.85%
EPS beat(4)3
Avg EPS beat(4)5.66%
Min EPS beat(4)-6.32%
Max EPS beat(4)21.85%
EPS beat(8)6
Avg EPS beat(8)9.57%
EPS beat(12)7
Avg EPS beat(12)5.44%
EPS beat(16)9
Avg EPS beat(16)3.4%
Revenue beat(2)2
Avg Revenue beat(2)0.71%
Min Revenue beat(2)0.12%
Max Revenue beat(2)1.31%
Revenue beat(4)3
Avg Revenue beat(4)0.27%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)1.87%
Revenue beat(8)4
Avg Revenue beat(8)-0.81%
Revenue beat(12)5
Avg Revenue beat(12)-0.93%
Revenue beat(16)7
Avg Revenue beat(16)-0.73%
PT rev (1m)6.41%
PT rev (3m)-2.8%
EPS NQ rev (1m)2.83%
EPS NQ rev (3m)4.13%
EPS NY rev (1m)2.93%
EPS NY rev (3m)1.18%
Revenue NQ rev (1m)0.21%
Revenue NQ rev (3m)1.08%
Revenue NY rev (1m)0.26%
Revenue NY rev (3m)0.8%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.73 | ||
| Fwd PE | 3.35 | ||
| P/S | 0.93 | ||
| P/FCF | 3.2 | ||
| P/OCF | 2.87 | ||
| P/B | 0.45 | ||
| P/tB | 0.53 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.58
EY26.81%
EPS(NY)6.21
Fwd EY29.84%
FCF(TTM)6.51
FCFY31.28%
OCF(TTM)7.26
OCFY34.9%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)0.19
PEG (5Y)1.06
Graham Number76.41
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.93% | ||
| ROE | 11.99% | ||
| ROCE | N/A | ||
| ROIC | N/A | ||
| ROICexc | N/A | ||
| ROICexgc | N/A | ||
| OM | N/A | ||
| PM (TTM) | 24.83% | ||
| GM | N/A | ||
| FCFM | 29% |
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-Score8
Asset Turnover0.04
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Debt/EBITDA | N/A | ||
| Cap/Depr | 95.69% | ||
| Cap/Sales | 3.35% | ||
| Interest Coverage | N/A | ||
| Cash Conversion | N/A | ||
| Profit Quality | 116.77% | ||
| Current Ratio | N/A | ||
| Quick Ratio | N/A | ||
| Altman-Z | N/A |
F-Score8
WACC22.97%
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-36.1%
FCF growth 3Y35.44%
FCF growth 5Y12.63%
OCF growth 1Y-33.99%
OCF growth 3Y22.21%
OCF growth 5Y10.49%
ZIONS BANCORP NA - ZION 4.81942 PERP / ZIONP FAQ
What is the ChartMill fundamental rating of ZIONS BANCORP NA - ZION 4.81942 PERP (ZIONP) stock?
ChartMill assigns a fundamental rating of 4 / 10 to ZIONP.
What is the valuation status of ZIONS BANCORP NA - ZION 4.81942 PERP (ZIONP) stock?
ChartMill assigns a valuation rating of 8 / 10 to ZIONS BANCORP NA - ZION 4.81942 PERP (ZIONP). This can be considered as Undervalued.
Can you provide the profitability details for ZIONS BANCORP NA - ZION 4.81942 PERP?
ZIONS BANCORP NA - ZION 4.81942 PERP (ZIONP) has a profitability rating of 3 / 10.
What is the valuation of ZIONS BANCORP NA - ZION 4.81942 PERP based on its PE and PB ratios?
The Price/Earnings (PE) ratio for ZIONS BANCORP NA - ZION 4.81942 PERP (ZIONP) is 3.73 and the Price/Book (PB) ratio is 0.45.
What is the expected EPS growth for ZIONS BANCORP NA - ZION 4.81942 PERP (ZIONP) stock?
The Earnings per Share (EPS) of ZIONS BANCORP NA - ZION 4.81942 PERP (ZIONP) is expected to grow by 19.38% in the next year.