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Company Analysis

Zions Bancorporation N.A. - Dep ZIONP

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

Overview of Zions Bancorporation, National Association

ZIONP NGM
Financial Services Banks - Regional Framework: Banks & Lenders
Zions Bancorporation, National Association (ZIONP), in the Banks - Regional industry, last closed at $17.94, about 0.0% overvalued vs fair value, -21.6% 1Y return, placing in the top 10% of its sector.
Metrics Rev Growth 8.2% ROE 13.5% Gross Margin 97.9%
USD 17.94
0.78%
(Delayed)
• Vol 90d: 8.1%
52-Week Range
Enterprise Value
-
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Excellent
Growth
Fair
Profitability
Fair
Health
Weak
Efficiency
Good
Valuation
Excellent
Completeness: 88%
Confidence: 51%
Updated: Sep 12
Top Beats

Quick Facts

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

Next Events

Dividend Sep 1

Fair Value Snapshot

Insufficient data

Engine Room Money Flow™

Financial Services - Where revenue goes and how value is created

Flow Steps
Interest Income
$4.2B
-2.5%%
Interest Expense
$1.6B
Net Interest Income
$2.6B
8.1%%
Total Revenue
$3.4B
8.1%%
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
12.4%
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

$308.0M
34.8% 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. - Dep's durable competitive advantages across 6 defense dimensions

Overall Moat Strength
60
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Disciplined Risk Management Risk management appears disciplined (asset quality score 0.74).
  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.98).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Deposit Franchise

Strong
77
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Trade-Off Ledger™

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

Banks (Regional & Diversified) vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing ZIONP's balance between Growth (32.4%), Profitability (43.2%), and Safety (24.5%). Growth 32% Safety 24% Profitability 43%

Click axes to expand details. Marker shows current allocation.

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Growth

42th percentile vs peers
43
Key Signals
Equity Growth YoY 17.4% 80p NII Growth YoY 8.1% 43p Asset Growth YoY 0.2% 18p
Strengths
  • Equity Growth YoY in top 20% of peers (17.4%, 80th percentile)
  • ROTE in top 20% of peers (17.1%, 81th percentile)
Risks
  • Asset Growth YoY in bottom 20% of peers (0.2%)

Profitability

56th percentile vs peers
57
Key Signals
Strengths
Risks
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Safety

32th percentile vs peers
32
Key Signals
Strengths
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Two Futures

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

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
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Bear
-
- - -
- upside
-
Base
-
- - -
- upside
-
Bull
-
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- upside
-
Fair Value Range Current: $-
$- $- $-
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