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GuruFocus Financial Strength Rank measures how strong a company’s financial situation is. It is based on these factors

1. The debt burden that the company has as measured by its Interest coverage (current year).
2. Debt to revenue ratio. The lower, the better
3. Altman Z-score.

A company ranks high with financial strength is likely to withstand any business slowdowns and recessions.

Financial Strength : 4/10

vs
industry
vs
history
Cash to Debt 8.01
ZION's Cash to Debt is ranked higher than
64% of the 984 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.36 vs. ZION: 8.01 )
Ranked among companies with meaningful Cash to Debt only.
ZION' s 10-Year Cash to Debt Range
Min: 0.28  Med: 0.93 Max: 8.01
Current: 8.01
0.28
8.01
Equity to Asset 0.13
ZION's Equity to Asset is ranked higher than
76% of the 1355 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ZION: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
ZION' s 10-Year Equity to Asset Range
Min: 0.06  Med: 0.09 Max: 0.14
Current: 0.13
0.06
0.14
Interest Coverage 3.59
ZION's Interest Coverage is ranked higher than
72% of the 1272 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.60 vs. ZION: 3.59 )
Ranked among companies with meaningful Interest Coverage only.
ZION' s 10-Year Interest Coverage Range
Min: 0.3  Med: 0.87 Max: 3.59
Current: 3.59
0.3
3.59
F-Score: 5
WACC vs ROIC
9.59%
49.26%
WACC
ROIC
GuruFocus Profitability Rank ranks how profitable a company is and how likely the company’s business will stay that way. It is based on these factors:

1. Operating Margin
2. Trend of the Operating Margin (5-year average). The company with an uptrend profit margin has a higher rank.
••3. Consistency of the profitability
4. Piotroski F-Score
5. Predictability Rank•

The maximum rank is 10. A rank of 7 or higher means a higher profitability and may stay that way. A rank of 3 or lower indicates that the company has had trouble to make a profit.

Profitability Rank is not directly related to the Financial Strength Rank. But if a company is consistently profitable, its financial strength will be stronger.

Profitability & Growth : 5/10

vs
industry
vs
history
Operating margin (%) 21.27
ZION's Operating margin (%) is ranked lower than
71% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.25 vs. ZION: 21.27 )
Ranked among companies with meaningful Operating margin (%) only.
ZION' s 10-Year Operating margin (%) Range
Min: -36.53  Med: 30.34 Max: 41.36
Current: 21.27
-36.53
41.36
Net-margin (%) 13.80
ZION's Net-margin (%) is ranked lower than
76% of the 1425 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.01 vs. ZION: 13.80 )
Ranked among companies with meaningful Net-margin (%) only.
ZION' s 10-Year Net-margin (%) Range
Min: -45.01  Med: 19.49 Max: 27.3
Current: 13.8
-45.01
27.3
ROE (%) 3.02
ZION's ROE (%) is ranked lower than
83% of the 1427 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.44 vs. ZION: 3.02 )
Ranked among companies with meaningful ROE (%) only.
ZION' s 10-Year ROE (%) Range
Min: -20.25  Med: 11.01 Max: 20.63
Current: 3.02
-20.25
20.63
ROA (%) 0.50
ZION's ROA (%) is ranked lower than
72% of the 1436 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.87 vs. ZION: 0.50 )
Ranked among companies with meaningful ROA (%) only.
ZION' s 10-Year ROA (%) Range
Min: -2.29  Med: 1.01 Max: 1.59
Current: 0.5
-2.29
1.59
Revenue Growth (3Y)(%) -2.80
ZION's Revenue Growth (3Y)(%) is ranked lower than
73% of the 1215 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.10 vs. ZION: -2.80 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
ZION' s 10-Year Revenue Growth (3Y)(%) Range
Min: -18.5  Med: 7.00 Max: 26.4
Current: -2.8
-18.5
26.4
EBITDA Growth (3Y)(%) -4.70
ZION's EBITDA Growth (3Y)(%) is ranked lower than
79% of the 1072 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.60 vs. ZION: -4.70 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ZION' s 10-Year EBITDA Growth (3Y)(%) Range
Min: -43.3  Med: 11.10 Max: 39.7
Current: -4.7
-43.3
39.7
EPS Growth (3Y)(%) 26.20
ZION's EPS Growth (3Y)(%) is ranked higher than
80% of the 1070 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.60 vs. ZION: 26.20 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
ZION' s 10-Year EPS Growth (3Y)(%) Range
Min: -0.4  Med: 12.70 Max: 26.2
Current: 26.2
-0.4
26.2
» ZION's 10-Y Financials

Financials


Revenue & Net Income
Equity & Asset
Oprt. Cash Flow & Free Cash Flow

» Details

Guru Trades

Q3 2014

ZION Guru Trades in Q3 2014

NWQ Managers 4,305,438 sh (New)
Paul Tudor Jones 41,718 sh (New)
Louis Moore Bacon 300,000 sh (New)
Third Avenue Management 2,185,403 sh (New)
Steven Cohen 690,400 sh (+600.20%)
Caxton Associates 325,000 sh (+225.00%)
RS Investment Management 1,427,035 sh (+137.05%)
Jeremy Grantham 60,800 sh (+71.75%)
Pioneer Investments 3,327,935 sh (unchged)
HOTCHKIS & WILEY 1,896,010 sh (-38.85%)
» More
Q4 2014

ZION Guru Trades in Q4 2014

Jim Simons 593,095 sh (New)
Third Avenue Management 2,863,921 sh (+31.05%)
Louis Moore Bacon Sold Out
Jeremy Grantham 51,900 sh (-14.64%)
RS Investment Management 970,550 sh (-31.99%)
HOTCHKIS & WILEY 1,245,628 sh (-34.30%)
Caxton Associates 175,000 sh (-46.15%)
NWQ Managers 2,111,434 sh (-50.96%)
Pioneer Investments 726,896 sh (-78.16%)
Paul Tudor Jones 8,200 sh (-80.34%)
Steven Cohen 79,100 sh (-88.54%)
» More
Q1 2015

ZION Guru Trades in Q1 2015

Steven Cohen 833,100 sh (+953.22%)
RS Investment Management 1,710,665 sh (+76.26%)
HOTCHKIS & WILEY 1,463,828 sh (+17.52%)
Jeremy Grantham 55,200 sh (+6.36%)
Third Avenue Management 2,888,958 sh (+0.87%)
Jim Simons Sold Out
NWQ Managers Sold Out
Paul Tudor Jones Sold Out
Pioneer Investments Sold Out
Caxton Associates Sold Out
» More
Q2 2015

ZION Guru Trades in Q2 2015

Caxton Associates 36,250 sh (New)
RS Investment Management 1,774,380 sh (+3.72%)
RS Investment Management 1,774,380 sh (+3.72%)
Third Avenue Management 2,893,058 sh (+0.14%)
Steven Cohen Sold Out
Jeremy Grantham 46,100 sh (-16.49%)
HOTCHKIS & WILEY 1,102,528 sh (-24.68%)
» More
» Details

Insider Trades

Latest Guru Trades with ZION

(List those with share number changes of more than 20%, or impact to portfolio more than 0.1%)

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Preferred stocks of Zions Bancorp

SymbolPriceYieldDescription
ZIONP950.006.60
ZIONO1053.004.00
ZBPRF26.717.39
ZBPRG26.525.94
ZBPRCCL0.004.86Zions Bancorporation,9.50% Series C Non-Cumulative Perpetual Preferred Stock
ZBPRH23.546.11
ZBPRA21.003.62ADR

Ratios

vs
industry
vs
history
P/E(ttm) 25.92
ZION's P/E(ttm) is ranked lower than
87% of the 1293 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.10 vs. ZION: 25.92 )
Ranked among companies with meaningful P/E(ttm) only.
ZION' s 10-Year P/E(ttm) Range
Min: 7.83  Med: 15.59 Max: 29.87
Current: 25.92
7.83
29.87
Forward P/E 13.95
ZION's Forward P/E is ranked lower than
76% of the 714 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.85 vs. ZION: 13.95 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 26.50
ZION's PE(NRI) is ranked lower than
87% of the 1291 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.20 vs. ZION: 26.50 )
Ranked among companies with meaningful PE(NRI) only.
ZION' s 10-Year PE(NRI) Range
Min: 7.81  Med: 15.58 Max: 29.81
Current: 26.5
7.81
29.81
P/B 0.88
ZION's P/B is ranked higher than
64% of the 1370 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. ZION: 0.88 )
Ranked among companies with meaningful P/B only.
ZION' s 10-Year P/B Range
Min: 0.19  Med: 0.95 Max: 2.3
Current: 0.88
0.19
2.3
P/S 2.77
ZION's P/S is ranked higher than
51% of the 1409 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.86 vs. ZION: 2.77 )
Ranked among companies with meaningful P/S only.
ZION' s 10-Year P/S Range
Min: 0.38  Med: 2.31 Max: 4.32
Current: 2.77
0.38
4.32
PFCF 15.84
ZION's PFCF is ranked lower than
72% of the 863 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. ZION: 15.84 )
Ranked among companies with meaningful PFCF only.
ZION' s 10-Year PFCF Range
Min: 0.7  Med: 7.26 Max: 22.73
Current: 15.84
0.7
22.73
POCF 11.64
ZION's POCF is ranked lower than
65% of the 956 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.00 vs. ZION: 11.64 )
Ranked among companies with meaningful POCF only.
ZION' s 10-Year POCF Range
Min: 0.63  Med: 6.50 Max: 14.63
Current: 11.64
0.63
14.63

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.71
ZION's Dividend Yield is ranked lower than
94% of the 2258 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.76 vs. ZION: 0.71 )
Ranked among companies with meaningful Dividend Yield only.
ZION' s 10-Year Dividend Yield Range
Min: 0.14  Med: 0.61 Max: 18.83
Current: 0.71
0.14
18.83
Dividend Payout 0.17
ZION's Dividend Payout is ranked higher than
81% of the 1330 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ZION: 0.17 )
Ranked among companies with meaningful Dividend Payout only.
ZION' s 10-Year Dividend Payout Range
Min: 0.02  Med: 0.26 Max: 1.39
Current: 0.17
0.02
1.39
Dividend growth (3y) 58.70
ZION's Dividend growth (3y) is ranked higher than
94% of the 674 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. ZION: 58.70 )
Ranked among companies with meaningful Dividend growth (3y) only.
ZION' s 10-Year Dividend growth (3y) Range
Min: -71.2  Med: 13.00 Max: 58.7
Current: 58.7
-71.2
58.7
Yield on cost (5-Year) 1.65
ZION's Yield on cost (5-Year) is ranked lower than
76% of the 2253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.23 vs. ZION: 1.65 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ZION' s 10-Year Yield on cost (5-Year) Range
Min: 0.32  Med: 1.41 Max: 43.63
Current: 1.65
0.32
43.63
Share Buyback Rate -1.80
ZION's Share Buyback Rate is ranked higher than
51% of the 1013 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.90 vs. ZION: -1.80 )
Ranked among companies with meaningful Share Buyback Rate only.
ZION' s 10-Year Share Buyback Rate Range
Min: 0.5  Med: -5.40 Max: -18.8
Current: -1.8

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.04
ZION's Price/Tangible Book is ranked higher than
55% of the 1347 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. ZION: 1.04 )
Ranked among companies with meaningful Price/Tangible Book only.
ZION' s 10-Year Price/Tangible Book Range
Min: 0.4  Med: 2.69 Max: 6.6
Current: 1.04
0.4
6.6
Price/Projected FCF 0.42
ZION's Price/Projected FCF is ranked higher than
76% of the 805 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.65 vs. ZION: 0.42 )
Ranked among companies with meaningful Price/Projected FCF only.
ZION' s 10-Year Price/Projected FCF Range
Min: 0.1  Med: 0.71 Max: 4.95
Current: 0.42
0.1
4.95
Price/Median PS Value 1.20
ZION's Price/Median PS Value is ranked lower than
72% of the 1310 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. ZION: 1.20 )
Ranked among companies with meaningful Price/Median PS Value only.
ZION' s 10-Year Price/Median PS Value Range
Min: 0.23  Med: 1.40 Max: 3.17
Current: 1.2
0.23
3.17
Price/Graham Number 0.89
ZION's Price/Graham Number is ranked lower than
60% of the 1181 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.82 vs. ZION: 0.89 )
Ranked among companies with meaningful Price/Graham Number only.
ZION' s 10-Year Price/Graham Number Range
Min: 0.46  Med: 1.40 Max: 5.13
Current: 0.89
0.46
5.13
Earnings Yield (Greenblatt) (%) -72.12
ZION's Earnings Yield (Greenblatt) (%) is ranked lower than
99% of the 1408 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.80 vs. ZION: -72.12 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ZION' s 10-Year Earnings Yield (Greenblatt) (%) Range
Min: -98.7  Med: 8.70 Max: 10728.7
Current: -72.12
-98.7
10728.7
Forward Rate of Return (Yacktman) (%) 15.12
ZION's Forward Rate of Return (Yacktman) (%) is ranked higher than
51% of the 792 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.82 vs. ZION: 15.12 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ZION' s 10-Year Forward Rate of Return (Yacktman) (%) Range
Min: 11.4  Med: 24.10 Max: 117
Current: 15.12
11.4
117

Analyst Estimate

Dec15 Dec16 Dec17
Revenue(Mil) 2,248 2,398 2,554
EPS($) 1.57 2.02 2.55
EPS without NRI($) 1.57 2.02 2.55

Business Description

Industry: Banks » Banks - Regional - US
Compare:MTB, USB, PNC, PB, CFR » details
Traded in other countries:ZIONP.USA, ZIONO.USA, ZBPRF.USA, ZBPRG.USA, ZBPRH.USA, ZBPRA.USA, ZB1.Germany,
Zions Bancorporation is a financial holding company organized under the laws of the State of Utah in 1955 and registered under the Bank Holding Company Act of 1956, as amended. The Parent and its subsidiaries own and operate eight commercial banks with a total of 469 domestic branches at year-end 2013. The Company provides various banking and related services through its banking and other subsidiaries, mainly in Utah, California, Texas, Arizona, Nevada, Colorado, Idaho, Washington and Oregon. The Company focuses on providing community banking services by continuously strengthening its core business lines of small, medium-sized business and corporate banking; commercial and residential development, construction and term lending; retail banking; treasury cash management and related products and services; residential mortgage services and lending; trust and wealth management and limited capital markets activities, including municipal finance advisory and underwriting, and investment activities. It operates eight different banks in ten Western and Southwestern states with each bank operating under a different name. The banks provide a variety of commercial and retail banking and mortgage lending products and services. They also provide various personal banking services to individuals, including home mortgages, bankcard, other installment loans, home equity lines of credit, checking accounts, savings accounts, time certificates of various types and maturities, trust services, safe deposit facilities, direct deposit Internet and mobile banking. In addition, certain banking subsidiaries provide services to key market segments through its Women's Financial, Private Client Services and Executive Banking Groups. It also offers wealth management services through a subsidiary, Contango Capital Advisors, Inc. and online brokerage services through Zions Direct. In addition to these core businesses, the Company has built specialized lines of business in capital markets, public finance, and certain financial technologies and is also a leader in Small Business Administration lending. Through its subsidiary banks, the Company is one of the nation's largest providers of SBA 7(a) and SBA 504 financing to small businesses. The Company owns an equity interest in the Federal Agricultural Mortgage Corporation and is one of the nation's top originators of secondary market agricultural real estate mortgage loans through Farmer Mac. The Company operates in a competitive environment. The Company's direct competition for loans and deposits comes from other commercial banks, thrifts and credit unions, including institutions. In addition, the Company competes with finance companies, mutual funds, brokerage firms, securities dealers, investment banking companies, financial technology firms and a variety of other types of companies. The Company is subject to various requirements and restrictions contained in both the laws of the United States and the states in w
» More Articles for ZION

Headlines

Articles On GuruFocus.com
Weekly Insider Sells Highlight: ZION, PYPL, FTNT, ISRG Aug 02 2015 
Financial Services Holdings Influence NWQ Managers' Portfolio in Third Quarter Jan 07 2015 
Third Avenue Adds to Portfolio-Leading Stake in Weyerhaeuer Dec 30 2014 
BB&T's Bright Future Will Help Growth Dec 11 2014 
Weekly CEO Buys Highlight: RCL, MBI, HOGS, ZION, MWW Sep 03 2011 
Five Regional Banks Headed for a Turnaround: HBAN, HCBK, STI, ZION, WBS Sep 18 2010 
Weekly top insider buys: DPS, RE, ZION, AEO, GVA Sep 13 2010 
The Financials: Go! Go! Go! Mar 16 2010 
Weekly Top Insider Buys: Church & Dwight Co. Inc., DPL Inc., Albermarle Corp., Career Education Corp Dec 13 2009 
Zions Ban Corp. (ZION) Vice Chairman and Doyle L Arnold buys 1,100 Shares Dec 03 2009 

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