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Zions Bancorporation, N.A.

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ZION : NASDAQ :
$52.93 -0.63 | -1.18%
Today's Range: 52.34 - 53.64
Avg. Daily Volume: 0
05/16/22 - 4:00 PM ET
Rating Summary Rating Detail Financial Analysis Peer Group

Financial Analysis


ZIONS BANCORPORATION NA's gross profit margin for the first quarter of its fiscal year 2022 has decreased when compared to the same period a year ago. Sales and net income have dropped, underperforming the average competitor within its subsector.

During the same period, stockholders' equity ("net worth") has decreased by 20.66% from the same quarter last year.

STOCKS TO BUY: TheStreet Quant Ratings has identified a handful of stocks that can potentially TRIPLE in the next 12-months. To learn more visit www.TheStreetRatings.com.



Income Statement Q1 FY22 Q1 FY21
Net Sales ($mil)697.0731.0
EBITDA ($mil)369.0493.0
EBIT ($mil)369.0493.0
Net Income ($mil)203.0322.0


Balance Sheet Q1 FY22 Q1 FY21
Cash & Equiv. ($mil)8138.010318.0
Total Assets ($mil)91126.085121.0
Total Debt ($mil)1542.02562.0
Equity ($mil)6294.07933.0


Profitability Q1 FY22 Q1 FY21
Gross Profit Margin103.16115.73
EBITDA Margin52.9467.44
Operating Margin52.9467.44
Sales Turnover0.030.03
Return on Assets1.10.99
Return on Equity15.5910.25
Debt Q1 FY22 Q1 FY21
Current Ratio0.00.0
Debt/Capital0.20.24
Interest Expense0.00.0
Interest Coverage0.00.0


Share Data Q1 FY22 Q1 FY21
Shares outstanding (mil)151.35163.8
Div / share0.380.34
EPS1.271.9
Book value / share41.5948.43
Institutional Own % n/a n/a
Avg Daily Volume1669835.01388824.0

Valuation


BUY. This stock's P/E ratio indicates a discount compared to an average of 13.55 for the Credit Intermediation and Related Activities subsector and a significant discount compared to the S&P 500 average of 19.86. For additional comparison, its price-to-book ratio of 1.29 indicates a significant discount versus the S&P 500 average of 3.81 and a significant discount versus the subsector average of 5.65. The price-to-sales ratio is above the S&P 500 average, but well below the subsector average. Upon assessment of these and other key valuation criteria, ZIONS BANCORPORATION NA proves to trade at a discount to investment alternatives.


Price/Earnings
1 2 3 4 5
premium   discount
  Price/Cash Flow
1 2 3 4 5
premium   discount
ZION 8.71 Peers 13.55   ZION 17.27 Peers 17.36

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.

 

Average. 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 valuation on par to its peers.

 
Price/Projected
Earnings
1 2 3 4 5
premium   discount
  Price to
Earnings/Growth
1 2 3 4 5
premium   discount
ZION 8.36 Peers 13.74   ZION NM Peers 1.29

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.

 
Price/Book
1 2 3 4 5
premium   discount
  Earnings Growth
1 2 3 4 5
lower   higher
ZION 1.29 Peers 5.65   ZION 25.05 Peers 65.24

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.

 
Price/Sales
1 2 3 4 5
premium   discount
  Sales Growth
1 2 3 4 5
premium   discount
ZION 2.76 Peers 4.77   ZION 0.65 Peers 6.69

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 significantly trails its peers on the basis of sales growth.

 

 

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