20.283 USD
-0.07 (-0.33%)
20.4 USD
+0.12 (+0.58%)
Overall ZIONP gets a fundamental rating of 4 out of 10. We evaluated ZIONP against 387 industry peers in the Banks industry. Both the profitability and financial health of ZIONP have multiple concerns. ZIONP is valued quite cheap, while showing a decent growth score. This is a good combination!
1. Profitability
1.1 Basic Checks
ZIONP had positive earnings in the past year.
In the past year ZIONP had a positive cash flow from operations.
In the past 5 years ZIONP has always been profitable.
Each year in the past 5 years ZIONP had a positive operating cash flow.
1.2 Ratios
With a Return On Assets value of 0.93%, ZIONP perfoms like the industry average, outperforming 53.23% of the companies in the same industry.
ZIONP has a better Return On Equity (11.99%) than 81.65% of its industry peers.
| 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
ZIONP has a Profit Margin (24.83%) which is comparable to the rest of the industry.
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 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.
ZIONP has about the same amout of shares outstanding than it did 1 year ago.
ZIONP has less shares outstanding than it did 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's Debt to FCF ratio of 5.44 is on the low side compared to the rest of the industry. ZIONP is outperformed by 73.13% of its industry peers.
A Debt/Equity ratio of 0.76 indicates that ZIONP is somewhat dependend on debt financing.
ZIONP has a worse Debt to Equity ratio (0.76) than 82.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.76 | ||
| Debt/FCF | 5.44 | ||
| Altman-Z | N/A |
ROIC/WACCN/A
WACC23.2%
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.
ZIONP shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 3.53% yearly.
Looking at the last year, ZIONP shows a quite strong growth in Revenue. The Revenue has grown by 8.98% in the last 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)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
ZIONP is expected to show a small growth in Earnings Per Share. In the coming years, the EPS will grow by 3.26% yearly.
The Revenue is expected to grow by 2.96% on average over the next years.
EPS Next Y19.93%
EPS Next 2Y11.66%
EPS Next 3Y9.69%
EPS Next 5Y3.26%
Revenue Next Year8.21%
Revenue Next 2Y6.26%
Revenue Next 3Y5.65%
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
The Price/Earnings ratio is 3.63, which indicates a rather cheap valuation of ZIONP.
ZIONP's Price/Earnings ratio is rather cheap when compared to the industry. ZIONP is cheaper than 97.67% of the companies in the same industry.
ZIONP's Price/Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 27.19.
The Price/Forward Earnings ratio is 3.28, which indicates a rather cheap valuation of ZIONP.
Compared to the rest of the industry, the Price/Forward Earnings ratio of ZIONP indicates a rather cheap valuation: ZIONP is cheaper than 97.93% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.88. ZIONP is valued rather cheaply when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.63 | ||
| Fwd PE | 3.28 |
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 95.87% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 3.12 | ||
| 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)0.18
PEG (5Y)1.03
EPS Next 2Y11.66%
EPS Next 3Y9.69%
5. Dividend
5.1 Amount
ZIONP has a Yearly Dividend Yield of 3.07%.
ZIONP's Dividend Yield is comparable with the industry average which is at 2.78.
Compared to an average S&P500 Dividend Yield of 1.94, ZIONP pays a better dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
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
33.17% of the earnings are spent on dividend by ZIONP. This is a low number and 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 2Y11.66%
EPS Next 3Y9.69%
ZIONS BANCORP NA - ZION 4.50481 PERP
NASDAQ:ZIONP (1/9/2026, 8:00:02 PM)
After market: 20.4 +0.12 (+0.58%)20.283
-0.07 (-0.33%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupBanks
GICS IndustryBanks
Earnings (Last)
Earnings (Next)
Inst Owners81.2%
Inst Owner ChangeN/A
Ins Owners1.61%
Ins Owner ChangeN/A
Market Cap2.99B
Revenue(TTM)3.31B
Net Income(TTM)823.00M
Analysts70.97
Price Target21.82 (7.58%)
Short Float %0%
Short Ratio0.15
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 3.07% |
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)-14.36%
PT rev (3m)-8.87%
EPS NQ rev (1m)0.19%
EPS NQ rev (3m)4.01%
EPS NY rev (1m)0.3%
EPS NY rev (3m)1.52%
Revenue NQ rev (1m)-0.06%
Revenue NQ rev (3m)0.71%
Revenue NY rev (1m)0.03%
Revenue NY rev (3m)0.68%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 3.63 | ||
| Fwd PE | 3.28 | ||
| P/S | 0.9 | ||
| P/FCF | 3.12 | ||
| P/OCF | 2.79 | ||
| P/B | 0.44 | ||
| P/tB | 0.52 | ||
| EV/EBITDA | N/A |
EPS(TTM)5.58
EY27.51%
EPS(NY)6.18
Fwd EY30.49%
FCF(TTM)6.51
FCFY32.09%
OCF(TTM)7.26
OCFY35.8%
SpS22.45
BVpS46.5
TBVpS39.09
PEG (NY)0.18
PEG (5Y)1.03
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
WACC23.2%
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 Y19.93%
EPS Next 2Y11.66%
EPS Next 3Y9.69%
EPS Next 5Y3.26%
Revenue 1Y (TTM)8.98%
Revenue growth 3Y2.45%
Revenue growth 5Y2.01%
Sales Q2Q%8.71%
Revenue Next Year8.21%
Revenue Next 2Y6.26%
Revenue Next 3Y5.65%
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 4.50481 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 4 / 10 to ZIONP.
Can you provide the valuation status for ZIONS BANCORP NA - ZION 4.50481 PERP?
ChartMill assigns a valuation rating of 8 / 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 2 / 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 19.93% in the next year.