NAS:ZION (USA) Also trade in: Germany

Zions Bancorp NA

$ 45.1 -0.47 (-1.03%)
Volume: 2,108,606 Avg Vol (1m): 2,212,181
Market Cap $: 8.23 Bil Enterprise Value $: 8.79 Bil
P/E (TTM): 11.14 P/B: 1.25
Earnings Power Value -6.76
Net Current Asset Value 0
Tangible Book 30.77
Projected FCF 57.36
Median P/S Value 33.13
Graham Number 52.95
Peter Lynch Value 0
DCF (FCF Based) 0
DCF (Earnings Based) 0
YTD (-%)

Financial Strength : 4/10

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.
Current vs industry vs history
Cash-to-Debt 1.01
Cash-To-Debt ranked higher than
53.06% of 1617 companies
in the Banks - Regional - US industry.
Industry Max: 2539500, Med: 1.43, Min: 0.01
ZION: 1.01
Ranked among companies with meaningful Cash-To-Debt only.
Cash-To-Debt range over the past 10 years
Min: 0.24, Med: 1.44, Max: 8.5
Current: 1.01
0.24
8.5
Equity-to-Asset 0.11
Equity-to-Asset ranked higher than
57.53% of 1627 companies
in the Banks - Regional - US industry.
Industry Max: 1, Med: 0.11, Min: -11.05
ZION: 0.11
Ranked among companies with meaningful Equity-to-Asset only.
Equity-to-Asset range over the past 10 years
Min: 0.05, Med: 0.09, Max: 0.14
Current: 0.11
0.05
0.14
Debt-to-Equity 0.16
Debt-to-Equity ranked higher than
89.45% of 1393 companies
in the Banks - Regional - US industry.
Industry Max: 543.58, Med: 0.68, Min: 0.01
ZION: 0.16
Ranked among companies with meaningful Debt-to-Equity only.
Debt-to-Equity range over the past 10 years
Min: 0.05, Med: 0.64, Max: 2.09
Current: 0.16
0.05
2.09
Debt-to-EBITDA 0.44
Debt-to-EBITDA ranked higher than
91.38% of 1416 companies
in the Banks - Regional - US industry.
Industry Max: 2306.11, Med: 1.79, Min: 0.01
ZION: 0.44
Ranked among companies with meaningful Debt-to-EBITDA only.
N/A
Beneish M-Score -3.12
Not Manipulator
Manipulator
WACC vs ROIC %
ROIC 0%
WACC 8.8%

Profitability & Growth : 3/10

GuruFocus Profitability Rank ranks how profitable a company is and how likely the company's business will stay that way.
Current vs industry vs history
Net Margin % 30.56
Net Margin ranked higher than
70.84% of 1639 companies
in the Banks - Regional - US industry.
Industry Max: 10754.72, Med: 25.15, Min: -234138
ZION: 30.56
Ranked among companies with meaningful Net Margin only.
Net Margin range over the past 10 years
Min: -41.15, Med: 15.58, Max: 31.78
Current: 30.56
-41.15
31.78
ROE % 10.78
ROE ranked higher than
62.27% of 1638 companies
in the Banks - Regional - US industry.
Industry Max: 231.61, Med: 9.79, Min: -53900
ZION: 10.78
Ranked among companies with meaningful ROE only.
ROE range over the past 10 years
Min: -20.25, Med: 3.97, Max: 11.05
Current: 10.78
-20.25
11.05
ROA % 1.27
ROA ranked higher than
68.45% of 1645 companies
in the Banks - Regional - US industry.
Industry Max: 54.28, Med: 1.01, Min: -205.98
ZION: 1.27
Ranked among companies with meaningful ROA only.
ROA range over the past 10 years
Min: -2.29, Med: 0.63, Max: 1.31
Current: 1.27
-2.29
1.31
3-Year Total Revenue Growth Rate 10.30
3-Year Revenue Growth Rate ranked lower than
56.38% of 1513 companies
in the Banks - Regional - US industry.
Industry Max: 672.4, Med: 4.3, Min: -100
ZION: 9.8
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
3-Year Revenue Growth Rate range over the past 10 years
Min: -20.9, Med: 7.1, Max: 22.3
Current: 9.8
-20.9
22.3
3-Year EPS w/o NRI Growth Rate 50.40
3-Year EPS w/o NRI Growth Rate ranked higher than
73.80% of 1359 companies
in the Banks - Regional - US industry.
Industry Max: 804.5, Med: 5.3, Min: -214.9
ZION: 50.4
Ranked among companies with meaningful 3-Year EPS w/o NRI Growth Rate only.
3-Year EPS w/o NRI Growth Rate range over the past 10 years
Min: 0, Med: 12.7, Max: 50.4
Current: 50.4
0
50.4

» ZION's 30-Y Financials

Financials (Next Earnings Date: 2019-07-23)

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Business Description

Industry Banks » Banks - Regional - US    NAICS : 522110    SIC : 6021
Compare NAS:SBNY XPTY:BGFG NAS:PBCT NAS:CBSH NYSE:CFR NAS:BOKF NYSE:SNV NYSE:CMA NAS:BPOP NYSE:CIT NYSE:PB NAS:FCNCA NYSE:WAL NYSE:WBS NAS:PACW NYSE:FHN NAS:SIVB NAS:TFSL XPTY:EGIN NAS:PNFP
Traded in other countries ZB1.Germany
Address One South Main, 11th Floor, Salt Lake City, UT, USA, 84133
Zions Bancorp is a top-40 U.S. bank, has $58 billion in assets and core operations that span seven states. With its 470 branches, it provides banking services to small and midsize businesses as well as individuals. Zions has roughly 50% of its $40 billion loan portfolio in commercial lending operations, 30% in commercial real estate, and 20% in consumer and home mortgage loans.

Ratios

Current vs industry vs history
PE Ratio (TTM) 11.14
PE Ratio ranked higher than
50.93% of 1557 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.36, Min: 0.02
ZION: 11.14
Ranked among companies with meaningful PE Ratio only.
PE Ratio range over the past 10 years
Min: 7.79, Med: 18.38, Max: 29.02
Current: 11.14
7.79
29.02
Forward PE Ratio 10.00
Forward P/E ranked lower than
52.16% of 487 companies
in the Banks - Regional - US industry.
Industry Max: 232.56, Med: 11.17, Min: 3.33
ZION: 10
Ranked among companies with meaningful Forward P/E only.
N/A
PE Ratio without NRI 11.14
PE without NRI ranked higher than
51.37% of 1532 companies
in the Banks - Regional - US industry.
Industry Max: 625000, Med: 12.43, Min: 0.02
ZION: 11.14
Ranked among companies with meaningful PE without NRI only.
PE without NRI range over the past 10 years
Min: 7.79, Med: 18.38, Max: 29.02
Current: 11.14
7.79
29.02
Price-to-Owner-Earnings 12.45
Price-to-Owner-Earnings ranked higher than
53.29% of 989 companies
in the Banks - Regional - US industry.
Industry Max: 2862049.23, Med: 12.46, Min: 0.01
ZION: 12.45
Ranked among companies with meaningful Price-to-Owner-Earnings only.
Price-to-Owner-Earnings range over the past 10 years
Min: 3.3, Med: 13.33, Max: 56.65
Current: 12.45
3.3
56.65
PB Ratio 1.25
PB Ratio ranked lower than
67.53% of 1651 companies
in the Banks - Regional - US industry.
Industry Max: 339397.23, Med: 1.11, Min: 0
ZION: 1.25
Ranked among companies with meaningful PB Ratio only.
PB Ratio range over the past 10 years
Min: 0.19, Med: 0.9, Max: 1.61
Current: 1.25
0.19
1.61
PS Ratio 3.25
PS Ratio ranked lower than
67.19% of 1649 companies
in the Banks - Regional - US industry.
Industry Max: 207056.49, Med: 3.01, Min: 0.01
ZION: 3.25
Ranked among companies with meaningful PS Ratio only.
PS Ratio range over the past 10 years
Min: 0.32, Med: 2.39, Max: 4.54
Current: 3.25
0.32
4.54
Price-to-Free-Cash-Flow 12.60
Price-to-Free-Cash-Flow ranked lower than
63.72% of 882 companies
in the Banks - Regional - US industry.
Industry Max: 2338.98, Med: 10.27, Min: 0
ZION: 12.6
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
Price-to-Free-Cash-Flow range over the past 10 years
Min: 0.7, Med: 7.82, Max: 28.12
Current: 12.6
0.7
28.12
Price-to-Operating-Cash-Flow 10.74
Price-to-Operating-Cash-Flow ranked lower than
60.34% of 948 companies
in the Banks - Regional - US industry.
Industry Max: 1945525.29, Med: 9.19, Min: 0.01
ZION: 10.74
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
Price-to-Operating-Cash-Flow range over the past 10 years
Min: 0.63, Med: 6.9, Max: 17.01
Current: 10.74
0.63
17.01
EV-to-Revenue 3.13
EV-to-Revenue ranked higher than
50.57% of 1325 companies
in the Banks - Regional - US industry.
Industry Max: 2007.65, Med: 3.55, Min: 0.02
ZION: 3.13
Ranked among companies with meaningful EV-to-Revenue only.
EV-to-Revenue range over the past 10 years
Min: -0.7, Med: 1.1, Max: 5.7
Current: 3.13
-0.7
5.7
Shiller PE Ratio 41.65
Shiller PE Ratio ranked lower than
100.00% of 672 companies
in the Banks - Regional - US industry.
Industry Max: 1946.36, Med: 17.52, Min: 0.06
ZION: 41.65
Ranked among companies with meaningful Shiller PE Ratio only.
Shiller PE Ratio range over the past 10 years
Min: 2.45, Med: 14.41, Max: 639.63
Current: 41.65
2.45
639.63

Dividend & Buy Back

Current vs industry vs history
Dividend Yield % 2.66
Trailing Dividend Yield ranked lower than
65.79% of 2587 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 2.92, Min: 0.01
ZION: 2.66
Ranked among companies with meaningful Trailing Dividend Yield only.
Trailing Dividend Yield range over the past 10 years
Min: 0.14, Med: 0.61, Max: 18.83
Current: 2.66
0.14
18.83
Dividend Payout Ratio 0.28
Dividend Payout Ratio ranked higher than
66.55% of 1420 companies
in the Banks - Regional - US industry.
Industry Max: 186.51, Med: 0.33, Min: 0.01
ZION: 0.28
Ranked among companies with meaningful Dividend Payout Ratio only.
Dividend Payout Ratio range over the past 10 years
Min: 0.04, Med: 0.12, Max: 0.26
Current: 0.28
0.04
0.26
3-Year Dividend Growth Rate (Per Share) 67.80
3-Year Dividend Growth Rate ranked higher than
92.05% of 880 companies
in the Banks - Regional - US industry.
Industry Max: 228.7, Med: 6, Min: -100
ZION: 67.8
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
3-Year Dividend Growth Rate range over the past 10 years
Min: -71.2, Med: 16.3, Max: 76.5
Current: 67.8
-71.2
76.5
Forward Dividend Yield % 2.66
Forward Dividend Yield ranked lower than
66.57% of 2534 companies
in the Banks - Regional - US industry.
Industry Max: 98, Med: 3.16, Min: 0.01
ZION: 2.66
Ranked among companies with meaningful Forward Dividend Yield only.
N/A
Yield-on-Cost (5-Year) % 18.76
Yield-on-Cost (5y) ranked higher than
95.59% of 2561 companies
in the Banks - Regional - US industry.
Industry Max: 266.3, Med: 3.65, Min: 0.01
ZION: 18.76
Ranked among companies with meaningful Yield-on-Cost (5y) only.
Yield-on-Cost (5y) range over the past 10 years
Min: 0.99, Med: 4.3, Max: 132.81
Current: 18.76
0.99
132.81
3-Year Share Buyback Rate 2.80
3-Year Share Buyback Rate ranked higher than
89.01% of 1137 companies
in the Banks - Regional - US industry.
Industry Max: 82.2, Med: -2.1, Min: -499.5
ZION: 2.8
Ranked among companies with meaningful 3-Year Share Buyback Rate only.
3-Year Share Buyback Rate range over the past 10 years
Min: -19.5, Med: -4.9, Max: 2.8
Current: 2.8
-19.5
2.8

Valuation & Return

Current vs industry vs history
Price-to-Tangible-Book 1.47
Price-to-Tangible-Book ranked lower than
69.74% of 1669 companies
in the Banks - Regional - US industry.
Industry Max: 359582.88, Med: 1.2, Min: 0.01
ZION: 1.47
Ranked among companies with meaningful Price-to-Tangible-Book only.
Price-to-Tangible-Book range over the past 10 years
Min: 0.4, Med: 1.65, Max: 6.6
Current: 1.47
0.4
6.6
Price-to-Projected-FCF 0.78
Price-to-Intrinsic-Value-Projected-FCF ranked lower than
63.57% of 958 companies
in the Banks - Regional - US industry.
Industry Max: 460, Med: 0.76, Min: 0.01
ZION: 0.78
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
Price-to-Intrinsic-Value-Projected-FCF range over the past 10 years
Min: 0.1, Med: 0.93, Max: 6.39
Current: 0.78
0.1
6.39
Price-to-Median-PS-Value 1.36
Price-to-Median-PS-Value ranked lower than
88.71% of 1524 companies
in the Banks - Regional - US industry.
Industry Max: 186, Med: 1.02, Min: 0.03
ZION: 1.36
Ranked among companies with meaningful Price-to-Median-PS-Value only.
Price-to-Median-PS-Value range over the past 10 years
Min: 0.2, Med: 1.19, Max: 3.07
Current: 1.36
0.2
3.07
Price-to-Graham-Number 0.85
Price-to-Graham-Number ranked lower than
63.14% of 1476 companies
in the Banks - Regional - US industry.
Industry Max: 99940.04, Med: 0.86, Min: 0
ZION: 0.85
Ranked among companies with meaningful Price-to-Graham-Number only.
Price-to-Graham-Number range over the past 10 years
Min: 0.48, Med: 1.11, Max: 3.32
Current: 0.85
0.48
3.32

More Statistics

Revenue (TTM) (Mil) $ 2,811
EPS (TTM) $ 4.05
Beta 1.53
Volatility % 31.86
52-Week Range $ 38.08 - 59.19
Shares Outstanding (Mil) 182.57

Analyst Estimate

Piotroski F-Score Details