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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 4.30
ZION's Cash-to-Debt is ranked higher than
64% of the 1613 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.09 vs. ZION: 4.30 )
Ranked among companies with meaningful Cash-to-Debt only.
ZION' s Cash-to-Debt Range Over the Past 10 Years
Min: 0.28  Med: 1.44 Max: 8.5
Current: 4.3
0.28
8.5
Equity-to-Asset 0.12
ZION's Equity-to-Asset is ranked higher than
69% of the 1580 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.10 vs. ZION: 0.12 )
Ranked among companies with meaningful Equity-to-Asset only.
ZION' s Equity-to-Asset Range Over the Past 10 Years
Min: 0.05  Med: 0.09 Max: 0.14
Current: 0.12
0.05
0.14
Debt-to-Equity 0.05
ZION's Debt-to-Equity is ranked higher than
95% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.63 vs. ZION: 0.05 )
Ranked among companies with meaningful Debt-to-Equity only.
ZION' s Debt-to-Equity Range Over the Past 10 Years
Min: 0.05  Med: 0.66 Max: 2.09
Current: 0.05
0.05
2.09
Interest Coverage 8.41
ZION's Interest Coverage is ranked higher than
87% of the 1539 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.74 vs. ZION: 8.41 )
Ranked among companies with meaningful Interest Coverage only.
ZION' s Interest Coverage Range Over the Past 10 Years
Min: 0.04  Med: 1.72 Max: 8.41
Current: 8.41
0.04
8.41
Beneish M-Score: -2.28
WACC vs ROIC
12.05%
9.49%
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 : 3/10

vs
industry
vs
history
Operating Margin % 33.18
ZION's Operating Margin % is ranked lower than
52% of the 1618 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 31.66 vs. ZION: 33.18 )
Ranked among companies with meaningful Operating Margin % only.
ZION' s Operating Margin % Range Over the Past 10 Years
Min: -36.53  Med: 22.46 Max: 33.18
Current: 33.18
-36.53
33.18
Net Margin % 22.83
ZION's Net Margin % is ranked lower than
56% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 22.82 vs. ZION: 22.83 )
Ranked among companies with meaningful Net Margin % only.
ZION' s Net Margin % Range Over the Past 10 Years
Min: -45.01  Med: 14.65 Max: 22.83
Current: 22.83
-45.01
22.83
ROE % 6.78
ZION's ROE % is ranked lower than
70% of the 1619 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 8.56 vs. ZION: 6.78 )
Ranked among companies with meaningful ROE % only.
ZION' s ROE % Range Over the Past 10 Years
Min: -20.25  Med: 3.02 Max: 9.33
Current: 6.78
-20.25
9.33
ROA % 0.91
ZION's ROA % is ranked lower than
55% of the 1624 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.91 vs. ZION: 0.91 )
Ranked among companies with meaningful ROA % only.
ZION' s ROA % Range Over the Past 10 Years
Min: -2.29  Med: 0.58 Max: 0.99
Current: 0.91
-2.29
0.99
3-Year Revenue Growth Rate 1.90
ZION's 3-Year Revenue Growth Rate is ranked lower than
63% of the 1364 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 4.20 vs. ZION: 1.90 )
Ranked among companies with meaningful 3-Year Revenue Growth Rate only.
ZION' s 3-Year Revenue Growth Rate Range Over the Past 10 Years
Min: -18.5  Med: 7.1 Max: 22.3
Current: 1.9
-18.5
22.3
3-Year EBITDA Growth Rate 11.60
ZION's 3-Year EBITDA Growth Rate is ranked higher than
66% of the 1281 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.90 vs. ZION: 11.60 )
Ranked among companies with meaningful 3-Year EBITDA Growth Rate only.
ZION' s 3-Year EBITDA Growth Rate Range Over the Past 10 Years
Min: -43.4  Med: 13.7 Max: 46
Current: 11.6
-43.4
46
3-Year EPS without NRI Growth Rate 8.00
ZION's 3-Year EPS without NRI Growth Rate is ranked higher than
54% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.60 vs. ZION: 8.00 )
Ranked among companies with meaningful 3-Year EPS without NRI Growth Rate only.
ZION' s 3-Year EPS without NRI Growth Rate Range Over the Past 10 Years
Min: -0.4  Med: 15 Max: 43.1
Current: 8
-0.4
43.1
GuruFocus has detected 3 Warning Signs with Zions Bancorp $ZION.
More than 500,000 people have already joined GuruFocus to track the stocks they follow and exchange investment ideas.
» ZION's 30-Y Financials

Financials (Next Earnings Date: 2017-12-23 Est.)


Revenue & Net Income
Equity & Asset
Operating Cash Flow & Free Cash Flow
Operating Cash Flow & Net Income

» Details

Guru Trades

Q3 2016

ZION Guru Trades in Q3 2016

Richard Snow 132,810 sh (New)
Joel Greenblatt 9,769 sh (New)
Steven Cohen Sold Out
Arnold Schneider Sold Out
Ray Dalio 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
Q4 2016

ZION Guru Trades in Q4 2016

Caxton Associates 100,000 sh (New)
Richard Snow 362,085 sh (+172.63%)
HOTCHKIS & WILEY Sold Out
Paul Tudor Jones 12,223 sh (-13.13%)
Joel Greenblatt 5,791 sh (-40.72%)
Third Avenue Management 607,058 sh (-67.99%)
» More
Q1 2017

ZION Guru Trades in Q1 2017

Ray Dalio 30,547 sh (New)
Mariko Gordon 73,803 sh (New)
Paul Tudor Jones 17,787 sh (+45.52%)
Joel Greenblatt 6,253 sh (+7.98%)
Richard Snow Sold Out
Caxton Associates Sold Out
Third Avenue Management 564,658 sh (-6.98%)
» More
Q2 2017

ZION Guru Trades in Q2 2017

Caxton Associates 150,000 sh (New)
Joel Greenblatt 7,003 sh (+11.99%)
Ray Dalio Sold Out
Paul Tudor Jones Sold Out
Third Avenue Management 557,558 sh (-1.26%)
Mariko Gordon 72,148 sh (-2.24%)
» 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%)

GuruDate Trades Impact to Portfolio Price Range * (?) Current Price Change from Average Current Shares
Third Avenue Management 2017-06-30 Reduce -1.26%0.01%$38.99 - $43.99 $ 45.6711%557,558
Mariko Gordon 2017-06-30 Reduce -2.24%$38.99 - $43.99 $ 45.6711%72,148
Joel Greenblatt 2017-06-30 Add 11.99%$38.99 - $43.99 $ 45.6711%7,003
Third Avenue Management 2017-03-31 Reduce -6.98%0.08%$40.73 - $46.53 $ 45.675%564,658
Mariko Gordon 2017-03-31 New Buy0.18%$40.73 - $46.53 $ 45.675%73,803
Joel Greenblatt 2017-03-31 Add 7.98%$40.73 - $46.53 $ 45.675%6,253
Third Avenue Management 2016-12-31 Reduce -67.99%1.84%$30.36 - $43.93 $ 45.6724%607,058
Joel Greenblatt 2016-12-31 Reduce -40.72%$30.36 - $43.93 $ 45.6724%5,791
HOTCHKIS & WILEY 2016-12-31 Sold Out 0.04%$30.36 - $43.93 $ 45.6724%0
Third Avenue Management 2016-09-30 Reduce -7.43%0.17%$23.44 - $31.02 $ 45.6761%1,896,358
HOTCHKIS & WILEY 2016-09-30 Reduce -54.92%0.04%$23.44 - $31.02 $ 45.6761%273,258
Joel Greenblatt 2016-09-30 New Buy$23.44 - $31.02 $ 45.6761%9,769
Arnold Schneider 2016-09-30 Sold Out 0.13%$23.44 - $31.02 $ 45.6761%0
Premium More recent guru trades are included for Premium Members only!!
Premium More recent guru trades are included for USA Subscribe Members only!!
» Interactive Charts

Peter Lynch Chart ( What is Peter Lynch Charts )

Preferred stocks of Zions Bancorp

SymbolPriceYieldDescription
ZBPRFCL24.991.981/40th 7.9 % Non-Cum Perp Pfd Shs S -F-
ZBPRG27.600.001/40th % Non Cum Perp Pfd Shs Series -G-
ZBPRH25.860.00Deposit Shs Repr 1/40th Non-Cum Perp Pfd Shs Series H
ZBPRA25.102.03Deposit Shs Repr 1/40th Int Ser-A- Flt Rt Non Cum Perp Pfd Shs

Business Description

Industry: Banks » Banks - Regional - US    NAICS: 522110    SIC: 6021
Compare:NAS:SIVB, NAS:SBNY, OTCPK:CYHT, NYSE:CIT, NAS:PBCT, NYSE:CFR, NAS:PACW, NAS:OZRK, NAS:CBSH, NAS:BOKF, NYSE:WAL, NYSE:SNV, NYSE:CMA, NAS:PNFP, NYSE:WBS, NAS:TFSL, NYSE:FNB, NYSE:PB, NAS:FCNCA, NYSE:FHN » details
Traded in other countries:ZB1.Germany,
Headquarter Location:USA
Zions Bancorp is a bank holding company. The bank has over 400 branches across the United States and has more than $50 billion worth of assets. It provides banking services to small and midsize businesses as well as individuals.

Zions Bancorporation, 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

vs
industry
vs
history
PE Ratio 18.20
ZION's PE Ratio is ranked lower than
73% of the 1505 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.59 vs. ZION: 18.20 )
Ranked among companies with meaningful PE Ratio only.
ZION' s PE Ratio Range Over the Past 10 Years
Min: 7.79  Med: 18 Max: 30.09
Current: 18.2
7.79
30.09
Forward PE Ratio 14.64
ZION's Forward PE Ratio is ranked lower than
61% of the 382 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 16.05 vs. ZION: 14.64 )
Ranked among companies with meaningful Forward PE Ratio only.
N/A
PE Ratio without NRI 18.20
ZION's PE Ratio without NRI is ranked lower than
73% of the 1504 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.62 vs. ZION: 18.20 )
Ranked among companies with meaningful PE Ratio without NRI only.
ZION' s PE Ratio without NRI Range Over the Past 10 Years
Min: 7.79  Med: 18 Max: 30.09
Current: 18.2
7.79
30.09
Price-to-Owner-Earnings 12.16
ZION's Price-to-Owner-Earnings is ranked lower than
57% of the 881 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 14.23 vs. ZION: 12.16 )
Ranked among companies with meaningful Price-to-Owner-Earnings only.
ZION' s Price-to-Owner-Earnings Range Over the Past 10 Years
Min: 3.31  Med: 11.82 Max: 57.14
Current: 12.16
3.31
57.14
PB Ratio 1.28
ZION's PB Ratio is ranked lower than
54% of the 1581 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.20 vs. ZION: 1.28 )
Ranked among companies with meaningful PB Ratio only.
ZION' s PB Ratio Range Over the Past 10 Years
Min: 0.19  Med: 0.9 Max: 1.97
Current: 1.28
0.19
1.97
PS Ratio 3.77
ZION's PS Ratio is ranked lower than
55% of the 1567 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.43 vs. ZION: 3.77 )
Ranked among companies with meaningful PS Ratio only.
ZION' s PS Ratio Range Over the Past 10 Years
Min: 0.38  Med: 2.23 Max: 4.09
Current: 3.77
0.38
4.09
Price-to-Free-Cash-Flow 12.85
ZION's Price-to-Free-Cash-Flow is ranked lower than
71% of the 856 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.60 vs. ZION: 12.85 )
Ranked among companies with meaningful Price-to-Free-Cash-Flow only.
ZION' s Price-to-Free-Cash-Flow Range Over the Past 10 Years
Min: 0.7  Med: 7.29 Max: 28.12
Current: 12.85
0.7
28.12
Price-to-Operating-Cash-Flow 10.13
ZION's Price-to-Operating-Cash-Flow is ranked lower than
58% of the 931 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.46 vs. ZION: 10.13 )
Ranked among companies with meaningful Price-to-Operating-Cash-Flow only.
ZION' s Price-to-Operating-Cash-Flow Range Over the Past 10 Years
Min: 0.63  Med: 6.49 Max: 17.01
Current: 10.13
0.63
17.01
EV-to-EBIT 10.28
ZION's EV-to-EBIT is ranked higher than
59% of the 1241 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 12.20 vs. ZION: 10.28 )
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: 150.9
Current: 10.28
-13.8
150.9
EV-to-EBITDA 8.98
ZION's EV-to-EBITDA is ranked higher than
61% of the 1244 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 10.98 vs. ZION: 8.98 )
Ranked among companies with meaningful EV-to-EBITDA only.
ZION' s EV-to-EBITDA Range Over the Past 10 Years
Min: -102.4  Med: 1.05 Max: 32.9
Current: 8.98
-102.4
32.9
EV-to-Revenue 3.41
ZION's EV-to-Revenue is ranked higher than
59% of the 1284 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 3.86 vs. ZION: 3.41 )
Ranked among companies with meaningful EV-to-Revenue only.
ZION' s EV-to-Revenue Range Over the Past 10 Years
Min: -0.7  Med: 1.2 Max: 4.8
Current: 3.41
-0.7
4.8

Dividend & Buy Back

vs
industry
vs
history
Dividend Yield % 0.79
ZION's Dividend Yield % is ranked lower than
93% of the 2354 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.88 vs. ZION: 0.79 )
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: 0.79
0.14
18.83
Dividend Payout Ratio 0.13
ZION's Dividend Payout Ratio is ranked higher than
96% of the 1340 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.32 vs. ZION: 0.13 )
Ranked among companies with meaningful Dividend Payout Ratio only.
ZION' s Dividend Payout Ratio Range Over the Past 10 Years
Min: 0.04  Med: 0.1 Max: 0.38
Current: 0.13
0.04
0.38
3-Year Dividend Growth Rate 29.10
ZION's 3-Year Dividend Growth Rate is ranked higher than
87% of the 794 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 6.70 vs. ZION: 29.10 )
Ranked among companies with meaningful 3-Year Dividend Growth Rate only.
ZION' s 3-Year Dividend Growth Rate Range Over the Past 10 Years
Min: -71.2  Med: 15.2 Max: 76.5
Current: 29.1
-71.2
76.5
Forward Dividend Yield % 1.06
ZION's Forward Dividend Yield % is ranked lower than
94% of the 2231 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 2.85 vs. ZION: 1.06 )
Ranked among companies with meaningful Forward Dividend Yield % only.
N/A
5-Year Yield-on-Cost % 6.95
ZION's 5-Year Yield-on-Cost % is ranked higher than
78% of the 2778 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 7.98 vs. ZION: 6.95 )
Ranked among companies with meaningful 5-Year Yield-on-Cost % only.
ZION' s 5-Year Yield-on-Cost % Range Over the Past 10 Years
Min: 1.2  Med: 5.23 Max: 161.52
Current: 6.95
1.2
161.52
3-Year Average Share Buyback Ratio -3.20
ZION's 3-Year Average Share Buyback Ratio is ranked lower than
56% of the 1065 Companies
in the Global Banks - Regional - US industry.

( Industry Median: -1.80 vs. ZION: -3.20 )
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 Max: 0.7
Current: -3.2
-19.5
0.7

Valuation & Return

vs
industry
vs
history
Price-to-Tangible-Book 1.50
ZION's Price-to-Tangible-Book is ranked lower than
60% of the 1573 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.29 vs. ZION: 1.50 )
Ranked among companies with meaningful Price-to-Tangible-Book only.
ZION' s Price-to-Tangible-Book Range Over the Past 10 Years
Min: 0.4  Med: 1.66 Max: 6.6
Current: 1.5
0.4
6.6
Price-to-Intrinsic-Value-Projected-FCF 0.84
ZION's Price-to-Intrinsic-Value-Projected-FCF is ranked lower than
52% of the 896 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.79 vs. ZION: 0.84 )
Ranked among companies with meaningful Price-to-Intrinsic-Value-Projected-FCF only.
ZION' s Price-to-Intrinsic-Value-Projected-FCF Range Over the Past 10 Years
Min: 0.1  Med: 0.93 Max: 9.44
Current: 0.84
0.1
9.44
Price-to-Median-PS-Value 1.70
ZION's Price-to-Median-PS-Value is ranked lower than
86% of the 1527 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 1.13 vs. ZION: 1.70 )
Ranked among companies with meaningful Price-to-Median-PS-Value only.
ZION' s Price-to-Median-PS-Value Range Over the Past 10 Years
Min: 0.24  Med: 1.22 Max: 3.29
Current: 1.7
0.24
3.29
Price-to-Graham-Number 1.10
ZION's Price-to-Graham-Number is ranked lower than
64% of the 1414 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 0.95 vs. ZION: 1.10 )
Ranked among companies with meaningful Price-to-Graham-Number only.
ZION' s Price-to-Graham-Number Range Over the Past 10 Years
Min: 0.48  Med: 1.13 Max: 3.32
Current: 1.1
0.48
3.32
Earnings Yield (Greenblatt) % 9.72
ZION's Earnings Yield (Greenblatt) % is ranked higher than
69% of the 1625 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 5.91 vs. ZION: 9.72 )
Ranked among companies with meaningful Earnings Yield (Greenblatt) % only.
ZION' s Earnings Yield (Greenblatt) % Range Over the Past 10 Years
Min: -2742.6  Med: 3.55 Max: 10728.7
Current: 9.72
-2742.6
10728.7
Forward Rate of Return (Yacktman) % 3.68
ZION's Forward Rate of Return (Yacktman) % is ranked lower than
76% of the 934 Companies
in the Global Banks - Regional - US industry.

( Industry Median: 11.21 vs. ZION: 3.68 )
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: -1.6  Med: 23.5 Max: 117
Current: 3.68
-1.6
117

More Statistics

Revenue (TTM) (Mil) $2,503.79
EPS (TTM) $ 2.51
Beta1.67
Short Percentage of Float8.65%
52-Week Range $29.64 - 48.33
Shares Outstanding (Mil)202.17

Analyst Estimate

Dec17 Dec18 Dec19
Revenue (Mil $) 2,622 2,830 2,884
EPS ($) 2.66 3.22 3.42
EPS without NRI ($) 2.66 3.22 3.42
EPS Growth Rate
(Future 3Y To 5Y Estimate)
14.15%
Dividends per Share ($) 0.44 0.96 1.07

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