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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 3.58
ZION's Cash to Debt is ranked higher than
59% of the 1639 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.98 vs. ZION: 3.58 )
Ranked among companies with meaningful Cash to Debt only.
ZION' s Cash to Debt Range Over the Past 10 Years
Min: 0.28  Med: 0.93 Max: 8.5
Current: 3.58
0.28
8.5
Equity to Asset 0.13
ZION's Equity to Asset is ranked higher than
76% of the 1660 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 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 7.14
ZION's Interest Coverage is ranked higher than
86% of the 1590 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.69 vs. ZION: 7.14 )
Ranked among companies with meaningful Interest Coverage only.
ZION' s Interest Coverage Range Over the Past 10 Years
Min: 0.56  Med: 1.66 Max: 7.14
Current: 7.14
0.56
7.14
F-Score: 6
M-Score: -2.22
WACC vs ROIC
12.45%
11.12%
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 (%) 27.33
ZION's Operating margin (%) is ranked lower than
60% of the 1678 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 30.78 vs. ZION: 27.33 )
Ranked among companies with meaningful Operating margin (%) only.
ZION' s Operating margin (%) Range Over the Past 10 Years
Min: -36.53  Med: 22.36 Max: 39.42
Current: 27.33
-36.53
39.42
Net-margin (%) 18.38
ZION's Net-margin (%) is ranked lower than
64% of the 1677 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.15 vs. ZION: 18.38 )
Ranked among companies with meaningful Net-margin (%) only.
ZION' s Net-margin (%) Range Over the Past 10 Years
Min: -45.01  Med: 14.58 Max: 25.18
Current: 18.38
-45.01
25.18
ROE (%) 4.89
ZION's ROE (%) is ranked lower than
74% of the 1675 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.39 vs. ZION: 4.89 )
Ranked among companies with meaningful ROE (%) only.
ZION' s ROE (%) Range Over the Past 10 Years
Min: -20.25  Med: 3.02 Max: 12.56
Current: 4.89
-20.25
12.56
ROA (%) 0.73
ZION's ROA (%) is ranked lower than
60% of the 1683 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.89 vs. ZION: 0.73 )
Ranked among companies with meaningful ROA (%) only.
ZION' s ROA (%) Range Over the Past 10 Years
Min: -2.29  Med: 0.58 Max: 1.3
Current: 0.73
-2.29
1.3
Revenue Growth (3Y)(%) -4.40
ZION's Revenue Growth (3Y)(%) is ranked lower than
80% of the 1371 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.10 vs. ZION: -4.40 )
Ranked among companies with meaningful Revenue Growth (3Y)(%) only.
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
ZION's EBITDA Growth (3Y)(%) is ranked lower than
84% of the 1253 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. ZION: -9.30 )
Ranked among companies with meaningful EBITDA Growth (3Y)(%) only.
ZION' s EBITDA Growth (3Y)(%) Range Over the Past 10 Years
Min: -9.3  Med: 9.8 Max: 19.8
Current: -9.3
-9.3
19.8
EPS Growth (3Y)(%) 7.40
ZION's EPS Growth (3Y)(%) is ranked higher than
51% of the 1231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.30 vs. ZION: 7.40 )
Ranked among companies with meaningful EPS Growth (3Y)(%) only.
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
» ZION's 10-Y Financials

Financials


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

» Details

Guru Trades

Q4 2015

ZION Guru Trades in Q4 2015

Steven Cohen 392,300 sh (New)
RS Investment Management 2,208,284 sh (+3.54%)
Jim Simons Sold Out
Jeremy Grantham Sold Out
Caxton Associates 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
Q3 2016

ZION Guru Trades in Q3 2016

Joel Greenblatt 9,769 sh (New)
Richard Snow 132,810 sh (New)
Ray Dalio Sold Out
Steven Cohen Sold Out
Arnold Schneider Sold Out
Third Avenue Management 1,896,358 sh (-7.43%)
Paul Tudor Jones 14,071 sh (-45.14%)
HOTCHKIS & WILEY 273,258 sh (-54.92%)
» 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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Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Zions Bancorp

SymbolPriceYieldDescription
ZBPRF25.535.80
ZBPRG26.364.48
ZBPRH24.464.41
ZBPRA24.544.14Deposit 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, NYSE:CMA, NAS:PACW, NAS:OZRK, NAS:CBSH, NAS:BOKF, NAS:TFSL, NYSE:CFR, NYSE:WAL, NYSE:SNV, NYSE:PB, NAS:FHB, NYSE:FHN, NAS:BPOP, NAS:UMPQ, OTCPK:FCNCB, NYSE:FRC, NAS:HOMB » 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

Top Ranked Articles about Zions Bancorp

Weekly CFO Buys Highlight: Radian Group, Zions Bancorp, Talmer Bancorp Recent insider buys from company CFOs
According to GuruFocus Insider Data, the recent CFO buys were: Radian Group Inc. (NYSE:RDN), Zions Bancorp (NASDAQ:ZION) and Talmer Bancorp Inc. (NASDAQ:TLMR). Read more...

Ratios

vs
industry
vs
history
P/E(ttm) 22.11
ZION's P/E(ttm) is ranked lower than
80% of the 1557 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.95 vs. ZION: 22.11 )
Ranked among companies with meaningful P/E(ttm) only.
ZION' s P/E(ttm) Range Over the Past 10 Years
Min: 7.79  Med: 16.94 Max: 30.09
Current: 22.11
7.79
30.09
Forward P/E 17.54
ZION's Forward P/E is ranked lower than
74% of the 334 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 15.24 vs. ZION: 17.54 )
Ranked among companies with meaningful Forward P/E only.
N/A
PE(NRI) 22.11
ZION's PE(NRI) is ranked lower than
80% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.98 vs. ZION: 22.11 )
Ranked among companies with meaningful PE(NRI) only.
ZION' s PE(NRI) Range Over the Past 10 Years
Min: 7.79  Med: 16.94 Max: 30.09
Current: 22.11
7.79
30.09
Price/Owner Earnings (ttm) 20.54
ZION's Price/Owner Earnings (ttm) is ranked lower than
74% of the 883 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 13.78 vs. ZION: 20.54 )
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: 11.9 Max: 95.37
Current: 20.54
3.3
95.37
P/B 1.18
ZION's P/B is ranked lower than
54% of the 1662 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.12 vs. ZION: 1.18 )
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: 2.08
Current: 1.18
0.19
2.08
P/S 3.48
ZION's P/S is ranked lower than
55% of the 1645 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.21 vs. ZION: 3.48 )
Ranked among companies with meaningful P/S only.
ZION' s P/S Range Over the Past 10 Years
Min: 0.37  Med: 2.21 Max: 4.27
Current: 3.48
0.37
4.27
PFCF 19.71
ZION's PFCF is ranked lower than
73% of the 826 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.19 vs. ZION: 19.71 )
Ranked among companies with meaningful PFCF only.
ZION' s PFCF Range Over the Past 10 Years
Min: 0.7  Med: 7.29 Max: 22.3
Current: 19.71
0.7
22.3
POCF 13.44
ZION's POCF is ranked lower than
62% of the 925 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.51 vs. ZION: 13.44 )
Ranked among companies with meaningful POCF only.
ZION' s POCF Range Over the Past 10 Years
Min: 0.62  Med: 6.51 Max: 13.84
Current: 13.44
0.62
13.84
EV-to-EBIT 11.52
ZION's EV-to-EBIT is ranked higher than
54% of the 1265 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.31 vs. ZION: 11.52 )
Ranked among companies with meaningful EV-to-EBIT only.
ZION' s EV-to-EBIT Range Over the Past 10 Years
Min: -18.3  Med: 0.4 Max: 69
Current: 11.52
-18.3
69
EV-to-EBITDA 9.04
ZION's EV-to-EBITDA is ranked higher than
60% of the 1263 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.92 vs. ZION: 9.04 )
Ranked among companies with meaningful EV-to-EBITDA only.
ZION' s EV-to-EBITDA Range Over the Past 10 Years
Min: -92.4  Med: 0.7 Max: 24.1
Current: 9.04
-92.4
24.1

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield 0.69
ZION's Dividend Yield is ranked lower than
94% of the 2376 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.79 vs. ZION: 0.69 )
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: 0.69
0.14
18.83
Dividend Payout 0.14
ZION's Dividend Payout is ranked higher than
88% of the 1294 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 9999.00 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 739 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.00 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 0.79
ZION's Forward Dividend Yield is ranked lower than
94% of the 2299 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.98 vs. ZION: 0.79 )
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield on cost (5-Year) 5.00
ZION's Yield on cost (5-Year) is ranked higher than
67% of the 2629 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.56 vs. ZION: 5.00 )
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: 5
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 1061 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 1.38
ZION's Price/Tangible Book is ranked lower than
60% of the 1660 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.19 vs. ZION: 1.38 )
Ranked among companies with meaningful Price/Tangible Book only.
ZION' s Price/Tangible Book Range Over the Past 10 Years
Min: 0.4  Med: 2.65 Max: 6.6
Current: 1.38
0.4
6.6
Price/Projected FCF 0.69
ZION's Price/Projected FCF is ranked higher than
56% of the 872 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.74 vs. ZION: 0.69 )
Ranked among companies with meaningful Price/Projected FCF only.
ZION' s Price/Projected FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.51 Max: 4.95
Current: 0.69
0.1
4.95
Price/Median PS Value 1.57
ZION's Price/Median PS Value is ranked lower than
84% of the 1450 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.10 vs. ZION: 1.57 )
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: 1.42 Max: 3.3
Current: 1.57
0.24
3.3
Price/Graham Number 1.17
ZION's Price/Graham Number is ranked lower than
67% of the 1404 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.92 vs. ZION: 1.17 )
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: 1.17
0.71
3.32
Earnings Yield (Greenblatt) (%) 8.70
ZION's Earnings Yield (Greenblatt) (%) is ranked higher than
65% of the 1663 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.80 vs. ZION: 8.70 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) (%) only.
ZION' s Earnings Yield (Greenblatt) (%) Range Over the Past 10 Years
Min: 1.4  Med: 9.1 Max: 10728.7
Current: 8.7
1.4
10728.7
Forward Rate of Return (Yacktman) (%) 1.94
ZION's Forward Rate of Return (Yacktman) (%) is ranked lower than
74% of the 886 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.59 vs. ZION: 1.94 )
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: 1.9  Med: 23.7 Max: 117
Current: 1.94
1.9
117

More Statistics

Revenue (TTM) (Mil) $2,362
EPS (TTM) $ 1.82
Beta1.41
Short Percentage of Float6.05%
52-Week Range $19.65 - 40.64
Shares Outstanding (Mil)203.72

Analyst Estimate

Dec16 Dec17 Dec18
Revenue (Mil $) 2,403 2,550 2,673
EPS ($) 1.87 2.30 2.77
EPS w/o NRI ($) 1.87 2.30 2.77
EPS Growth Rate
(3Y to 5Y Estimate)
17.10%
Dividends Per Share ($) 0.28 0.40 0.59
» More Articles for ZION

Headlines

Articles On GuruFocus.com
Arnold Schneider's Best-Performing Stocks Oct 18 2016 
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 

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