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Company Analysis

Zions Bancorporation N.A. ZION

A comprehensive view of key metrics, scores, and financial health for Zions Bancorporation N.A.

Overview of Zions Bancorporation, National Association

ZION NMS
Financial Services Banks - Regional Framework: Banks & Lenders Mid Cap
Zions Bancorporation, National Association (ZION), is a Mid Cap company, in the Banks - Regional industry, last closed at $67.25, about 28.9% overvalued vs fair value, +41.8% 1Y return, ranked 483/1037 in sector.
Metrics P/E 9.6× Rev Growth 58.0% ROE 13.5% Gross Margin 67.1% Div Yield 3.09%
USD 67.25
1.22%
(Delayed)
• Vol 90d: 29.7%
52-Week Range
Market Cap
$9.68B
Enterprise Value
$13.57B
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Weak
Efficiency
Weak
Valuation
Fair
Completeness: 82%
Confidence: 50%
Updated: Mar 8
Top Beats
No strong beats yet

Quick Facts

Website https://www.zionsbancorporatio...
HQ Salt Lake City, UT
Employees 9,195
Fiscal year Dec 31

Next Events

Earnings Jul 20 Call: Jul 20

Fair Value Snapshot

Bear Base Bull
$27
$48
$90
Current: $67.25 -29% vs base

Engine Room Money Flow™

Mid Cap

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$4.3B
8.8%%
Interest Expense
$1.6B
Net Interest Income
$2.4B
-0.3%%
Total Revenue
$4.9B
58%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Financial Services

Quality & Reliability Indicators

Return on Equity
12.0%
Good

Net Income / Equity - key bank profitability metric

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$699.0M
95.9% of Net Income

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
1/1
Improving
0
High Impact
1
Critical
Moat Analysis Bank Specialized

Competitive Advantage Assessment

Evaluating Zions Bancorporation N.A.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
62
/100
Moderate
Scores based on quantitative metrics and qualitative factors

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Deposit Franchise

Strong
76
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Banks (Regional & Diversified) vs Industry Peers 93% Coverage
Trade-Off Triangle Visualization A ternary plot showing ZION's balance between Growth (30.0%), Profitability (37.9%), and Safety (32.1%). Growth 30% Safety 32% Profitability 38%

Click axes to expand details. Marker shows current allocation.

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Growth

48th percentile vs peers
49
Key Signals
Equity Growth YoY 15.4% 84p NII Growth YoY -0.3% 41p EPS Growth YoY 21.0% 69p Asset Growth YoY 0.2% 21p
Strengths
  • Equity Growth YoY in top 20% of peers (15.4%, 84th percentile)
  • ROTE in top 20% of peers (17.1%, 81th percentile)
  • Financial Leverage in top 20% of peers (15.56, 90th percentile)
Risks

No significant risks identified for this axis.

Profitability

61th percentile vs peers
61
Key Signals
Strengths
Risks
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Safety

52th percentile vs peers
52
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Zions Bancorporation N.A..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$47.84
- - -
-28.9% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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