Logo image of ZIONP

ZIONS BANCORP NA - ZION 5.10008 PERP (ZIONP) Stock Fundamental Analysis

NASDAQ:ZIONP - Nasdaq - US98973A1043 - Currency: USD

23.24  +0.14 (+0.61%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to ZIONP. ZIONP was compared to 396 industry peers in the Banks industry. ZIONP may be in some trouble as it scores bad on both profitability and health. ZIONP scores decently on growth, while it is valued quite cheap. This could make an interesting combination.


Dividend Valuation Growth Profitability Health

3

1. Profitability

1.1 Basic Checks

ZIONP had positive earnings in the past year.
ZIONP had a positive operating cash flow in the past year.
In the past 5 years ZIONP has always been profitable.
In the past 5 years ZIONP always reported a positive cash flow from operatings.
ZIONP Yearly Net Income VS EBIT VS OCF VS FCFZIONP Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

The Return On Assets of ZIONP (0.86%) is comparable to the rest of the industry.
ZIONP has a better Return On Equity (11.98%) than 82.83% of its industry peers.
Industry RankSector Rank
ROA 0.86%
ROE 11.98%
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
ZIONP Yearly ROA, ROE, ROICZIONP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

ZIONP has a Profit Margin of 23.81%. This is comparable to the rest of the industry: ZIONP outperforms 51.26% of its industry peers.
In the last couple of years the Profit Margin of ZIONP has declined.
The Operating Margin and Gross Margin are not available for ZIONP so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) 23.81%
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
ZIONP Yearly Profit, Operating, Gross MarginsZIONP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

2

2. Health

2.1 Basic Checks

ZIONP does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, ZIONP has about the same amount of shares outstanding.
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.
ZIONP Yearly Shares OutstandingZIONP Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
ZIONP Yearly Total Debt VS Total AssetsZIONP Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

The Debt to FCF ratio of ZIONP is 4.57, which is a neutral value as it means it would take ZIONP, 4.57 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 4.57, ZIONP is doing worse than 68.18% of the companies in the same industry.
A Debt/Equity ratio of 0.70 indicates that ZIONP is somewhat dependend on debt financing.
ZIONP's Debt to Equity ratio of 0.70 is on the low side compared to the rest of the industry. ZIONP is outperformed by 82.58% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 4.57
Altman-Z N/A
ROIC/WACCN/A
WACC22.61%
ZIONP Yearly LT Debt VS Equity VS FCFZIONP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
ZIONP Yearly Current Assets VS Current LiabilitesZIONP Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

4

3. Growth

3.1 Past

The Earnings Per Share has grown by an nice 16.06% 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 been growing slightly by 0.48% in the past year.
ZIONP shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 2.01% yearly.
EPS 1Y (TTM)16.06%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%22.48%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%9.66%

3.2 Future

The Earnings Per Share is expected to grow by 3.73% 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 3.08% on average per year.
EPS Next Y6.23%
EPS Next 2Y6.45%
EPS Next 3Y5.75%
EPS Next 5Y3.73%
Revenue Next Year5.31%
Revenue Next 2Y4.66%
Revenue Next 3Y4.22%
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.
ZIONP Yearly Revenue VS EstimatesZIONP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 1B 2B 3B 4B
ZIONP Yearly EPS VS EstimatesZIONP Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2016 2018 2020 2022 2024 2026 2028 2030 2032 2 4 6

8

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 4.29 indicates a rather cheap valuation of ZIONP.
ZIONP's Price/Earnings ratio is rather cheap when compared to the industry. ZIONP is cheaper than 96.46% of the companies in the same industry.
When comparing the Price/Earnings ratio of ZIONP to the average of the S&P500 Index (27.53), we can say ZIONP is valued rather cheaply.
A Price/Forward Earnings ratio of 4.13 indicates a rather cheap valuation of ZIONP.
ZIONP's Price/Forward Earnings ratio is rather cheap when compared to the industry. ZIONP is cheaper than 96.46% of the companies in the same industry.
ZIONP is valuated cheaply when we compare the Price/Forward Earnings ratio to 36.71, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 4.29
Fwd PE 4.13
ZIONP Price Earnings VS Forward Price EarningsZIONP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30

4.2 Price Multiples

94.70% of the companies in the same industry are more expensive than ZIONP, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 3.53
EV/EBITDA N/A
ZIONP Per share dataZIONP EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 10 20 30 40

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)0.69
PEG (5Y)1.21
EPS Next 2Y6.45%
EPS Next 3Y5.75%

5

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 3.04%, ZIONP has a reasonable but not impressive dividend return.
ZIONP's Dividend Yield is comparable with the industry average which is at 3.29.
Compared to an average S&P500 Dividend Yield of 2.34, ZIONP pays a bit more dividend than the S&P500 average.
Industry RankSector Rank
Dividend Yield 3.04%

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
ZIONP Yearly Dividends per shareZIONP Yearly Dividends per shareYearly Dividends per share 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

ZIONP pays out 37.47% of its income as dividend. This is a sustainable payout ratio.
ZIONP's earnings are growing slower than its dividend. This means the dividend growth is not sustainable.
DP37.47%
EPS Next 2Y6.45%
EPS Next 3Y5.75%
ZIONP Yearly Income VS Free CF VS DividendZIONP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B
ZIONP Dividend Payout.ZIONP Dividend Payout, showing the Payout Ratio.ZIONP Dividend Payout.PayoutRetained Earnings

ZIONS BANCORP NA - ZION 5.10008 PERP

NASDAQ:ZIONP (7/23/2025, 12:05:11 PM)

23.24

+0.14 (+0.61%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)07-21 2025-07-21/amc
Earnings (Next)10-20 2025-10-20/amc
Inst Owners79.27%
Inst Owner ChangeN/A
Ins Owners1.76%
Ins Owner ChangeN/A
Market Cap3.43B
Analysts66.21
Price Target23.77 (2.28%)
Short Float %0%
Short Ratio0.48
Dividend
Industry RankSector Rank
Dividend Yield 3.04%
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP37.47%
Div Incr Years2
Div Non Decr Years3
Ex-Date05-30 2025-05-30 (0.3246124)
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1%
Min EPS beat(2)-6.32%
Max EPS beat(2)4.32%
EPS beat(4)3
Avg EPS beat(4)7.09%
Min EPS beat(4)-6.32%
Max EPS beat(4)15.44%
EPS beat(8)4
Avg EPS beat(8)5.73%
EPS beat(12)5
Avg EPS beat(12)1.79%
EPS beat(16)9
Avg EPS beat(16)5.84%
Revenue beat(2)1
Avg Revenue beat(2)-0.17%
Min Revenue beat(2)-2.22%
Max Revenue beat(2)1.87%
Revenue beat(4)2
Avg Revenue beat(4)-0.12%
Min Revenue beat(4)-2.22%
Max Revenue beat(4)1.87%
Revenue beat(8)3
Avg Revenue beat(8)-1.14%
Revenue beat(12)4
Avg Revenue beat(12)-0.93%
Revenue beat(16)6
Avg Revenue beat(16)-0.76%
PT rev (1m)-13.42%
PT rev (3m)-17.77%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)0.36%
EPS NY rev (1m)0.44%
EPS NY rev (3m)-1.71%
Revenue NQ rev (1m)0.14%
Revenue NQ rev (3m)-0.53%
Revenue NY rev (1m)0.15%
Revenue NY rev (3m)-0.71%
Valuation
Industry RankSector Rank
PE 4.29
Fwd PE 4.13
P/S 1.08
P/FCF 3.53
P/OCF 3.22
P/B 0.54
P/tB 0.66
EV/EBITDA N/A
EPS(TTM)5.42
EY23.32%
EPS(NY)5.62
Fwd EY24.18%
FCF(TTM)6.59
FCFY28.34%
OCF(TTM)7.22
OCFY31.08%
SpS21.57
BVpS42.87
TBVpS35.39
PEG (NY)0.69
PEG (5Y)1.21
Profitability
Industry RankSector Rank
ROA 0.86%
ROE 11.98%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 23.81%
GM N/A
FCFM 30.54%
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-Score8
Asset Turnover0.04
Health
Industry RankSector Rank
Debt/Equity 0.7
Debt/FCF 4.57
Debt/EBITDA N/A
Cap/Depr 78.33%
Cap/Sales 2.95%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality 128.23%
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score8
WACC22.61%
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)16.06%
EPS 3Y-9.85%
EPS 5Y3.53%
EPS Q2Q%22.48%
EPS Next Y6.23%
EPS Next 2Y6.45%
EPS Next 3Y5.75%
EPS Next 5Y3.73%
Revenue 1Y (TTM)0.48%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%9.66%
Revenue Next Year5.31%
Revenue Next 2Y4.66%
Revenue Next 3Y4.22%
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-21.3%
FCF growth 3Y35.44%
FCF growth 5Y12.63%
OCF growth 1Y-24.02%
OCF growth 3Y22.21%
OCF growth 5Y10.49%