ZIONS BANCORP NA - ZION 4.50481 PERP (ZIONP) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:ZIONP • US98973A1043

19.885 USD
-0.11 (-0.57%)
At close: Feb 6, 2026
19.85 USD
-0.04 (-0.18%)
After Hours: 2/6/2026, 8:12:36 PM
Fundamental Rating

3

Taking everything into account, ZIONP scores 3 out of 10 in our fundamental rating. ZIONP was compared to 383 industry peers in the Banks industry. ZIONP may be in some trouble as it scores bad on both profitability and health. ZIONP is valued quite cheap, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

3

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 4 of the past 5 years.
  • ZIONP had a positive operating cash flow in 4 of the past 5 years.
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 500M 1B

1.2 Ratios

  • With a Return On Assets value of 0.93%, ZIONP perfoms like the industry average, outperforming 53.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 11.99%, ZIONP belongs to the top of the industry, outperforming 81.72% of the companies in the same industry.
Industry RankSector 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
ZIONP Yearly ROA, ROE, ROICZIONP Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 5 10 15

1.3 Margins

  • ZIONP's Profit Margin of 24.83% is in line compared to the rest of the industry. ZIONP outperforms 52.74% of its industry peers.
  • ZIONP's Profit Margin has declined in the last couple of years.
  • ZIONP 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) 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
ZIONP Yearly Profit, Operating, Gross MarginsZIONP Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 10 20 30

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ROAROEROICOperating and Profit MarginShow most profitable peers

1

2. Health

2.1 Basic Checks

  • ZIONP does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • ZIONP has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
ZIONP Yearly Shares OutstandingZIONP Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 20B 40B 60B 80B

2.2 Solvency

  • ZIONP has a debt to FCF ratio of 5.44. This is a neutral value as ZIONP would need 5.44 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 5.44, ZIONP is doing worse than 72.85% of the companies in the same industry.
  • A Debt/Equity ratio of 0.76 indicates that ZIONP is somewhat dependend on debt financing.
  • Looking at the Debt to Equity ratio, with a value of 0.76, ZIONP is doing worse than 81.98% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.76
Debt/FCF 5.44
Altman-Z N/A
ROIC/WACCN/A
WACC23.29%
ZIONP Yearly LT Debt VS Equity VS FCFZIONP Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2B 4B 6B 8B 10B

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

3

3. Growth

3.1 Past

  • ZIONP shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 20.97%, which is quite impressive.
  • ZIONP shows quite a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 14.49% yearly.
EPS 1Y (TTM)20.97%
EPS 3Y1.14%
EPS 5Y14.49%
EPS Q2Q%31.34%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.66%

3.2 Future

  • The Earnings Per Share is expected to grow by 3.33% on average over the next years.
  • ZIONP is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 3.12% yearly.
EPS Next Y3.37%
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
EPS Next 5Y3.33%
Revenue Next Year4.76%
Revenue Next 2Y4.68%
Revenue Next 3Y4.19%
Revenue Next 5Y3.12%

3.3 Evolution

  • The EPS growth rate is decreasing: in the next years the growth will be less than in the last years.
ZIONP Yearly Revenue VS EstimatesZIONP Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2017 2019 2021 2023 2025 2027 2029 2031 2033 1B 2B 3B 4B
ZIONP Yearly EPS VS EstimatesZIONP 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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Find the best growth stocksShow best growing peers

7

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 3.31, which indicates a rather cheap valuation of ZIONP.
  • 98.17% of the companies in the same industry are more expensive than ZIONP, based on the Price/Earnings ratio.
  • When comparing the Price/Earnings ratio of ZIONP to the average of the S&P500 Index (27.92), we can say ZIONP is valued rather cheaply.
  • Based on the Price/Forward Earnings ratio of 3.21, the valuation of ZIONP can be described as very cheap.
  • ZIONP's Price/Forward Earnings ratio is rather cheap when compared to the industry. ZIONP is cheaper than 98.17% of the companies in the same industry.
  • When comparing the Price/Forward Earnings ratio of ZIONP to the average of the S&P500 Index (27.78), we can say ZIONP is valued rather cheaply.
Industry RankSector Rank
PE 3.31
Fwd PE 3.21
ZIONP Price Earnings VS Forward Price EarningsZIONP Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Based on the Price/Free Cash Flow ratio, ZIONP is valued cheaper than 96.08% of the companies in the same industry.
Industry RankSector Rank
P/FCF 3.05
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

  • ZIONP's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • A cheap valuation may be justified as ZIONP's earnings are expected to decrease with -3.35% in the coming years.
PEG (NY)0.98
PEG (5Y)0.23
EPS Next 2Y4.6%
EPS Next 3Y-3.35%

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

5

5. Dividend

5.1 Amount

  • With a Yearly Dividend Yield of 2.95%, ZIONP has a reasonable but not impressive dividend return.
  • Compared to an average industry Dividend Yield of 2.65, ZIONP has a dividend in line with its industry peers.
  • ZIONP's Dividend Yield is rather good when compared to the S&P500 average which is at 1.83.
Industry RankSector Rank
Dividend Yield 2.95%

5.2 History

  • The dividend of ZIONP has a limited annual growth rate of 5.80%.
  • ZIONP has paid a dividend for at least 10 years, which is 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0.5 1 1.5

5.3 Sustainability

  • ZIONP pays out 33.17% 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.
DP33.17%
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
ZIONP Yearly Income VS Free CF VS DividendZIONP Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 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

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ZIONS BANCORP NA - ZION 4.50481 PERP

NASDAQ:ZIONP (2/6/2026, 8:12:36 PM)

After market: 19.85 -0.04 (-0.18%)

19.885

-0.11 (-0.57%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)01-20
Earnings (Next)04-20
Inst Owners81.2%
Inst Owner ChangeN/A
Ins Owners1.61%
Ins Owner ChangeN/A
Market Cap2.94B
Revenue(TTM)N/A
Net Income(TTM)823.00M
Analysts71.33
Price Target21.99 (10.59%)
Short Float %0%
Short Ratio0.56
Dividend
Industry RankSector Rank
Dividend Yield 2.95%
Yearly Dividend1.95
Dividend Growth(5Y)5.8%
DP33.17%
Div Incr Years2
Div Non Decr Years3
Ex-DateN/A
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)0.77%
PT rev (3m)-17.35%
EPS NQ rev (1m)-0.03%
EPS NQ rev (3m)0.34%
EPS NY rev (1m)-0.01%
EPS NY rev (3m)3.4%
Revenue NQ rev (1m)0.08%
Revenue NQ rev (3m)0.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.35%
Valuation
Industry RankSector Rank
PE 3.31
Fwd PE 3.21
P/S 0.89
P/FCF 3.05
P/OCF 2.74
P/B 0.43
P/tB 0.51
EV/EBITDA N/A
EPS(TTM)6
EY30.17%
EPS(NY)6.2
Fwd EY31.19%
FCF(TTM)6.51
FCFY32.73%
OCF(TTM)7.26
OCFY36.51%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)0.98
PEG (5Y)0.23
Graham Number79.23
Profitability
Industry RankSector 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 RankSector 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
WACC23.29%
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)20.97%
EPS 3Y1.14%
EPS 5Y14.49%
EPS Q2Q%31.34%
EPS Next Y3.37%
EPS Next 2Y4.6%
EPS Next 3Y-3.35%
EPS Next 5Y3.33%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%8.66%
Revenue Next Year4.76%
Revenue Next 2Y4.68%
Revenue Next 3Y4.19%
Revenue Next 5Y3.12%
EBIT growth 1YN/A
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5Y7.39%
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 4.50481 PERP / ZIONP FAQ

What is the ChartMill fundamental rating of ZIONS BANCORP NA - ZION 4.50481 PERP (ZIONP) stock?

ChartMill assigns a fundamental rating of 3 / 10 to ZIONP.


Can you provide the valuation status for ZIONS BANCORP NA - ZION 4.50481 PERP?

ChartMill assigns a valuation rating of 7 / 10 to ZIONS BANCORP NA - ZION 4.50481 PERP (ZIONP). This can be considered as Undervalued.


Can you provide the profitability details for ZIONS BANCORP NA - ZION 4.50481 PERP?

ZIONS BANCORP NA - ZION 4.50481 PERP (ZIONP) has a profitability rating of 3 / 10.


What is the financial health of ZIONS BANCORP NA - ZION 4.50481 PERP (ZIONP) stock?

The financial health rating of ZIONS BANCORP NA - ZION 4.50481 PERP (ZIONP) is 1 / 10.


What is the earnings growth outlook for ZIONS BANCORP NA - ZION 4.50481 PERP?

The Earnings per Share (EPS) of ZIONS BANCORP NA - ZION 4.50481 PERP (ZIONP) is expected to grow by 3.37% in the next year.