Zions Bancorporation N.A.
Find Ratings ReportsZIONS BANCORPORATION NA's gross profit margin for the fourth quarter of its fiscal year 2023 has significantly decreased when compared to the same period a year ago. Even though sales increased, the net income has decreased.
During the same period, stockholders' equity ("net worth") has increased by 16.30% from the same quarter last year.
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Income Statement | Q4 FY23 | Q4 FY22 |
---|---|---|
Net Sales ($mil) | 1188.0 | 988.0 |
EBITDA ($mil) | 392.0 | 486.0 |
EBIT ($mil) | 360.0 | 455.0 |
Net Income ($mil) | 126.0 | 284.0 |
Balance Sheet | Q4 FY23 | Q4 FY22 |
---|---|---|
Cash & Equiv. ($mil) | 3141.0 | 4423.0 |
Total Assets ($mil) | 87203.0 | 89545.0 |
Total Debt ($mil) | 5119.0 | 11266.0 |
Equity ($mil) | 5691.0 | 4893.0 |
Profitability | Q4 FY23 | Q4 FY22 |
---|---|---|
Gross Profit Margin | 61.53 | 84.01 |
EBITDA Margin | 32.99 | 49.19 |
Operating Margin | 30.3 | 46.05 |
Sales Turnover | 0.05 | 0.04 |
Return on Assets | 0.77 | 1.01 |
Return on Equity | 11.39 | 17.94 |
Debt | Q4 FY23 | Q4 FY22 |
---|---|---|
Current Ratio | 0.0 | 0.0 |
Debt/Capital | 0.47 | 0.7 |
Interest Expense | 0.0 | 0.0 |
Interest Coverage | 0.0 | 0.0 |
Share Data | Q4 FY23 | Q4 FY22 |
---|---|---|
Shares outstanding (mil) | 148.15 | 148.66 |
Div / share | 0.41 | 0.41 |
EPS | 0.78 | 1.84 |
Book value / share | 38.41 | 32.91 |
Institutional Own % | n/a | n/a |
Avg Daily Volume | 2720045.0 | 2778778.0 |
BUY. This stock's P/E ratio indicates a discount compared to an average of 17.75 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 27.95. For additional comparison, its price-to-book ratio of 1.04 indicates a significant discount versus the S&P 500 average of 4.68 and a significant discount versus the subsector average of 8.64. The price-to-sales ratio is well below both the S&P 500 average and the subsector average, indicating a discount. Upon assessment of these and other key valuation criteria, ZIONS BANCORPORATION NA proves to trade at a discount to investment alternatives.
Price/Earnings |
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Price/Cash Flow |
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ZION 9.15 | Peers 17.75 | ZION 6.66 | Peers 20.18 | |||||||||||||||||||||
Discount. A lower P/E ratio than its peers can signify a less expensive stock or lower growth expectations. ZION is trading at a significant discount to its peers. |
Discount. The P/CF ratio, a stock’s price divided by the company's cash flow from operations, is useful for comparing companies with different capital requirements or financing structures. ZION is trading at a significant discount to its peers. |
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Price/Projected Earnings |
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Price to Earnings/Growth |
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ZION 8.61 | Peers 13.86 | ZION NM | Peers 1.78 | |||||||||||||||||||||
Discount. A lower price-to-projected earnings ratio than its peers can signify a less expensive stock or lower future growth expectations. ZION is trading at a significant discount to its peers. |
Neutral. The PEG ratio is the stock’s P/E divided by the consensus estimate of long-term earnings growth. Faster growth can justify higher price multiples. ZION's negative PEG ratio makes this valuation measure meaningless. |
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Price/Book |
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Earnings Growth |
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ZION 1.04 | Peers 8.64 | ZION -25.00 | Peers 24.72 | |||||||||||||||||||||
Discount. A lower price-to-book ratio makes a stock more attractive to investors seeking stocks with lower market values per dollar of equity on the balance sheet. ZION is trading at a significant discount to its peers. |
Lower. Elevated earnings growth rates can lead to capital appreciation and justify higher price-to-earnings ratios. However, ZION is expected to significantly trail its peers on the basis of its earnings growth rate. |
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Price/Sales |
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Sales Growth |
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ZION 1.28 | Peers 4.87 | ZION 38.56 | Peers 44.87 | |||||||||||||||||||||
Discount. In the absence of P/E and P/B multiples, the price-to-sales ratio can display the value investors are placing on each dollar of sales. ZION is trading at a significant discount to its subsector on this measurement. |
Lower. A sales growth rate that trails the subsector implies that a company is losing market share. ZION trails its peers on the basis of sales growth. |
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