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Also traded in: Germany

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 : 6/10

vs
industry
vs
history
Cash to Debt 3.89
NAS:ZION's Cash to Debt is ranked higher than
58% of the 1560 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.13 vs. NAS:ZION: 3.89 )
Ranked among companies with meaningful Cash to Debt only.
NAS:ZION' s Cash to Debt Range Over the Past 10 Years
Min: 0.28  Med: 0.93 Max: 8.45
Current: 3.89
0.28
8.45
Equity to Asset 0.13
NAS:ZION's Equity to Asset is ranked higher than
77% of the 1610 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. NAS:ZION: 0.13 )
Ranked among companies with meaningful Equity to Asset only.
NAS:ZION' s Equity to Asset Range Over the Past 10 Years
Min: 0.06  Med: 0.1 Max: 0.14
Current: 0.13
0.06
0.14
Interest Coverage 5.97
NAS:ZION's Interest Coverage is ranked higher than
83% of the 1563 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.70 vs. NAS:ZION: 5.97 )
Ranked among companies with meaningful Interest Coverage only.
NAS:ZION' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 1.44 Max: 5.97
Current: 5.97
0.04
5.97
F-Score: 6
M-Score: -2.27
WACC vs ROIC
11.68%
15.13%
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 (%) 26.00
NAS:ZION's Operating margin (%) is ranked lower than
62% of the 1653 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.84 vs. NAS:ZION: 26.00 )
Ranked among companies with meaningful Operating margin (%) only.
NAS:ZION' s Operating margin (%) Range Over the Past 10 Years
Min: -36.53  Med: 22.36 Max: 39.42
Current: 26
-36.53
39.42
Net-margin (%) 17.82
NAS:ZION's Net-margin (%) is ranked lower than
65% of the 1652 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.27 vs. NAS:ZION: 17.82 )
Ranked among companies with meaningful Net-margin (%) only.
NAS:ZION' s Net-margin (%) Range Over the Past 10 Years
Min: -45.01  Med: 14.58 Max: 25.18
Current: 17.82
-45.01
25.18
ROE (%) 4.48
NAS:ZION's ROE (%) is ranked lower than
77% of the 1648 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.34 vs. NAS:ZION: 4.48 )
Ranked among companies with meaningful ROE (%) only.
NAS:ZION' s ROE (%) Range Over the Past 10 Years
Min: -20.25  Med: 3.02 Max: 12.56
Current: 4.48
-20.25
12.56
ROA (%) 0.69
NAS:ZION's ROA (%) is ranked lower than
63% of the 1659 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.88 vs. NAS:ZION: 0.69 )
Ranked among companies with meaningful ROA (%) only.
NAS:ZION' s ROA (%) Range Over the Past 10 Years
Min: -2.29  Med: 0.58 Max: 1.3
Current: 0.69
-2.29
1.3
Revenue Growth (3Y)(%) -4.40
NAS:ZION's Revenue Growth (3Y)(%) is ranked lower than
81% of the 1350 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.20 vs. NAS:ZION: -4.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
NAS:ZION' s Revenue Growth (3Y)(%) Range Over the Past 10 Years
Min: -18.5  Med: 5.7 Max: 17.7
Current: -4.4
-18.5
17.7
EBITDA Growth (3Y)(%) -9.30
NAS:ZION's EBITDA Growth (3Y)(%) is ranked lower than
85% of the 1237 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.00 vs. NAS:ZION: -9.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
NAS:ZION' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -43.4  Med: 9.8 Max: 36.3
Current: -9.3
-43.4
36.3
EPS Growth (3Y)(%) 7.40
NAS:ZION's EPS Growth (3Y)(%) is ranked higher than
50% of the 1213 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.40 vs. NAS:ZION: 7.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
NAS:ZION' s EPS Growth (3Y)(%) Range Over the Past 10 Years
Min: -0.4  Med: 12.7 Max: 26.5
Current: 7.4
-0.4
26.5
» NAS:ZION's 10-Y Financials

Financials (Next Earnings Date: 2016-10-24)


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

» Details

Guru Trades

Q3 2015

ZION Guru Trades in Q3 2015

Jim Simons 969,795 sh (New)
Caxton Associates 150,000 sh (+313.79%)
RS Investment Management 2,132,804 sh (+20.20%)
Third Avenue Management 2,934,458 sh (+1.43%)
HOTCHKIS & WILEY 629,628 sh (-42.89%)
Jeremy Grantham 14,700 sh (-68.11%)
» More
Q4 2015

ZION Guru Trades in Q4 2015

Steven Cohen 392,300 sh (New)
RS Investment Management 2,208,284 sh (+3.54%)
Jeremy Grantham Sold Out
Caxton Associates Sold Out
Jim Simons Sold Out
HOTCHKIS & WILEY 626,028 sh (-0.57%)
Third Avenue Management 2,723,858 sh (-7.18%)
» More
Q1 2016

ZION Guru Trades in Q1 2016

Arnold Schneider 78,333 sh (New)
RS Investment Management 2,211,869 sh (+0.16%)
HOTCHKIS & WILEY 602,528 sh (-3.75%)
Third Avenue Management 2,162,558 sh (-20.61%)
Steven Cohen 284,100 sh (-27.58%)
» More
Q2 2016

ZION Guru Trades in Q2 2016

Ray Dalio 59,112 sh (New)
Paul Tudor Jones 25,647 sh (New)
HOTCHKIS & WILEY 606,158 sh (+0.60%)
Third Avenue Management 2,048,658 sh (-5.27%)
RS Investment Management 1,630,599 sh (-26.28%)
Arnold Schneider 27,918 sh (-64.36%)
Steven Cohen 6,600 sh (-97.68%)
» 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
ZBPRF26.377.49
ZBPRG30.083.93
ZBPRCCL0.004.86Zions Bancorporation,9.50% Series C Non-Cumulative Perpetual Preferred Stock
ZBPRH25.692.80
ZBPRA25.153.03Deposit Shs Repr 1/40th Int Ser-A- Flt Rt Non Cum Perp Pfd Shs

Business Description

Industry: Banks » Banks - Regional - US
Compare:NAS:SBNY, NAS:SIVB, NYSE:CIT, NAS:PACW, NAS:TFSL, NAS:CBSH, NAS:OZRK, NAS:HBAN, NAS:BOKF, NYSE:CMA, NYSE:CFR, NAS:BPOP, NYSE:SNV, NYSE:WAL, NYSE:PB, NAS:PVTB, NAS:FNFG, NAS:FMER, NYSE:FHN, NYSE:WBS » details
Traded in other countries:ZB1.Germany,
Zions Bancorporation provides banking and related services through its banking and other subsidiaries in Utah, California, Texas, Arizona, Nevada, Colorado, Idaho, Washington and Oregon.

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. It also provides 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 wh

Ratios

vs
industry
vs
history
P/E(ttm) 18.42
ZION's P/E(ttm) is ranked lower than
73% of the 1513 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.26 vs. ZION: 18.42 )
Ranked among companies with meaningful P/E(ttm) only.
ZION' s P/E(ttm) Range Over the Past 10 Years
Min: 7.79  Med: 16.79 Max: 30.09
Current: 18.42
7.79
30.09
Forward P/E 13.48
ZION's Forward P/E is ranked lower than
60% of the 369 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.63 vs. ZION: 13.48 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 18.42
ZION's PE(NRI) is ranked lower than
73% of the 1515 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.28 vs. ZION: 18.42 )
Ranked among companies with meaningful PE(NRI) only.
ZION' s PE(NRI) Range Over the Past 10 Years
Min: 7.79  Med: 16.79 Max: 30.09
Current: 18.42
7.79
30.09
Price/Owner Earnings (ttm) 16.13
ZION's Price/Owner Earnings (ttm) is ranked lower than
65% of the 859 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.81 vs. ZION: 16.13 )
Ranked among companies with meaningful Price/Owner Earnings (ttm) only.
ZION' s Price/Owner Earnings (ttm) Range Over the Past 10 Years
Min: 3.3  Med: 11.6 Max: 57.14
Current: 16.13
3.3
57.14
P/B 0.89
ZION's P/B is ranked higher than
63% of the 1598 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.06 vs. ZION: 0.89 )
Ranked among companies with meaningful P/B only.
ZION' s P/B Range Over the Past 10 Years
Min: 0.19  Med: 0.9 Max: 2.3
Current: 0.89
0.19
2.3
P/S 2.72
ZION's P/S is ranked higher than
55% of the 1606 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. ZION: 2.72 )
Ranked among companies with meaningful P/S only.
ZION' s P/S Range Over the Past 10 Years
Min: 0.37  Med: 2.22 Max: 4.27
Current: 2.72
0.37
4.27
PFCF 14.99
ZION's PFCF is ranked lower than
67% of the 817 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.68 vs. ZION: 14.99 )
Ranked among companies with meaningful PFCF only.
ZION' s PFCF Range Over the Past 10 Years
Min: 0.69  Med: 7.29 Max: 22.3
Current: 14.99
0.69
22.3
POCF 10.41
ZION's POCF is ranked lower than
57% of the 920 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9.22 vs. ZION: 10.41 )
Ranked among companies with meaningful POCF only.
ZION' s POCF Range Over the Past 10 Years
Min: 0.62  Med: 6.51 Max: 14.64
Current: 10.41
0.62
14.64
EV-to-EBIT 8.29
ZION's EV-to-EBIT is ranked higher than
68% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.80 vs. ZION: 8.29 )
Ranked among companies with meaningful EV-to-EBIT only.
ZION' s EV-to-EBIT Range Over the Past 10 Years
Min: -13.8  Med: 0.9 Max: 147
Current: 8.29
-13.8
147
EV-to-EBITDA 6.47
ZION's EV-to-EBITDA is ranked higher than
74% of the 1243 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.39 vs. ZION: 6.47 )
Ranked among companies with meaningful EV-to-EBITDA only.
ZION' s EV-to-EBITDA Range Over the Past 10 Years
Min: -92.4  Med: 1 Max: 32
Current: 6.47
-92.4
32

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.85
ZION's Dividend Yield is ranked lower than
91% of the 2190 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.92 vs. ZION: 0.85 )
Ranked among companies with meaningful Dividend Yield only.
ZION' s Dividend Yield Range Over the Past 10 Years
Min: 0.14  Med: 0.61 Max: 18.83
Current: 0.85
0.14
18.83
Dividend Payout 0.14
ZION's Dividend Payout is ranked higher than
98% of the 1337 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.33 vs. ZION: 0.14 )
Ranked among companies with meaningful Dividend Payout only.
ZION' s Dividend Payout Range Over the Past 10 Years
Min: 0.02  Med: 0.25 Max: 1.39
Current: 0.14
0.02
1.39
Dividend Growth (3y) 76.50
ZION's Dividend Growth (3y) is ranked higher than
96% of the 734 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.50 vs. ZION: 76.50 )
Ranked among companies with meaningful Dividend Growth (3y) only.
ZION' s Dividend Growth (3y) Range Over the Past 10 Years
Min: -71.2  Med: 13 Max: 76.5
Current: 76.5
-71.2
76.5
Forward Dividend Yield 1.05
ZION's Forward Dividend Yield is ranked lower than
90% of the 2073 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.13 vs. ZION: 1.05 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 6.23
ZION's Yield on cost (5-Year) is ranked higher than
78% of the 2538 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. ZION: 6.23 )
Ranked among companies with meaningful Yield on cost (5-Year) only.
ZION' s Yield on cost (5-Year) Range Over the Past 10 Years
Min: 1.01  Med: 4.42 Max: 136.44
Current: 6.23
1.01
136.44
3-Year Average Share Buyback Ratio -3.50
ZION's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 1052 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -2.00 vs. ZION: -3.50 )
Ranked among companies with meaningful 3-Year Average Share Buyback Ratio only.
ZION' s 3-Year Average Share Buyback Ratio Range Over the Past 10 Years
Min: -19.5  Med: -5.3 Max: 0.7
Current: -3.5
-19.5
0.7

Valuation & Return

vs
industry
vs
history
Price/Tangible Book 1.06
ZION's Price/Tangible Book is ranked higher than
54% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. ZION: 1.06 )
Ranked among companies with meaningful Price/Tangible Book only.
ZION' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.4  Med: 2.68 Max: 6.6
Current: 1.06
0.4
6.6
Price/Projected FCF 0.51
ZION's Price/Projected FCF is ranked higher than
71% of the 831 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.69 vs. ZION: 0.51 )
Ranked among companies with meaningful Price/Projected FCF only.
ZION' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.48 Max: 4.95
Current: 0.51
0.1
4.95
Price/Median PS Value 1.23
ZION's Price/Median PS Value is ranked lower than
74% of the 1494 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.04 vs. ZION: 1.23 )
Ranked among companies with meaningful Price/Median PS Value only.
ZION' s Price/Median PS Value Range Over the Past 10 Years
Min: 0.24  Med: 1.45 Max: 3.29
Current: 1.23
0.24
3.29
Price/Graham Number 0.93
ZION's Price/Graham Number is ranked lower than
58% of the 1398 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.85 vs. ZION: 0.93 )
Ranked among companies with meaningful Price/Graham Number only.
ZION' s Price/Graham Number Range Over the Past 10 Years
Min: 0.71  Med: 1.39 Max: 3.32
Current: 0.93
0.71
3.32
Earnings Yield (Greenblatt) (%) 12.08
ZION's Earnings Yield (Greenblatt) (%) is ranked higher than
76% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.70 vs. ZION: 12.08 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ZION' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 0.7  Med: 9 Max: 10728.7
Current: 12.08
0.7
10728.7
Forward Rate of Return (Yacktman) (%) 5.52
ZION's Forward Rate of Return (Yacktman) (%) is ranked lower than
66% of the 853 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.66 vs. ZION: 5.52 )
Ranked among companies with meaningful Forward Rate of Return (Yacktman) (%) only.
ZION' s Forward Rate of Return (Yacktman) (%) Range Over the Past 10 Years
Min: 5.4  Med: 23.7 Max: 117
Current: 5.52
5.4
117

More Statistics

Revenue (TTM) (Mil) $2,289
EPS (TTM) $ 1.66
Beta1.41
Short Percentage of Float6.33%
52-Week Range $19.65 - 31.35
Shares Outstanding (Mil)205.11

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 2,392 2,556 2,615
EPS ($) 1.81 2.25 2.72
EPS w/o NRI ($) 1.81 2.25 2.72
EPS Growth Rate
(3Y to 5Y Estimate)
15.00%
Dividends Per Share ($) 0.28 0.40 0.59
» More Articles for NAS:ZION

Headlines

Articles On GuruFocus.com
Weekly CFO Buys Highlight: Radian Group, Zions Bancorp, Talmer Bancorp Feb 07 2016 
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 

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