Zions Bancorporation Financials

ZION Stock  USD 61.11  0.62  1.00%   
Based on the analysis of Zions Bancorporation's profitability, liquidity, and operating efficiency, Zions Bancorporation is not in a good financial situation at this time. It has a very high probability of going through financial hardship in December. At this time, Zions Bancorporation's Liabilities And Stockholders Equity is very stable compared to the past year. As of the 27th of November 2024, Non Current Liabilities Total is likely to grow to about 70.7 B, while Short and Long Term Debt Total is likely to drop about 1.8 B. Key indicators impacting Zions Bancorporation's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Net Profit Margin0.140.2373
Way Down
Slightly volatile
Return On Assets0.00810.0074
Significantly Up
Slightly volatile
Return On Equity0.10.1128
Fairly Down
Slightly volatile
Debt Equity Ratio0.610.3625
Way Up
Slightly volatile
Operating Income733.1 M1.1 B
Way Down
Slightly volatile
Current Ratio0.280.2977
Notably Down
Slightly volatile
Investors should never underestimate Zions Bancorporation's ability to pay suppliers on time, ensure interest payments are not accumulating, and correctly time where and how to reinvest extra cash. Individual investors need to monitor Zions Bancorporation's cash flow, debt, and profitability to make informed and accurate decisions about investing in Zions Bancorporation.

Net Income

674.1 Million

  
Understanding current and past Zions Bancorporation Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Zions Bancorporation's financial statements are interrelated, with each one affecting the others. For example, an increase in Zions Bancorporation's assets may result in an increase in income on the income statement.

Zions Bancorporation Stock Summary

Zions Bancorporation competes with KeyCorp, Comerica, First Horizon, Western Alliance, and Fifth Third. Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah. Zions Bancorp operates under BanksRegional classification in the United States and is traded on NASDAQ Exchange. It employs 9920 people.
Specialization
Financial Services, Banks - Regional
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
ISINUS9897011071
CUSIP989701107
LocationUtah; U.S.A
Business AddressOne South Main
SectorBanks
IndustryFinancials
BenchmarkDow Jones Industrial
Websitewww.zionsbancorporation.com
Phone801 844 8208
CurrencyUSD - US Dollar

Zions Bancorporation Key Financial Ratios

Zions Bancorporation Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets69.2B81.5B93.2B89.5B87.2B91.6B
Other Current Liab(1B)69.7B82.8B5.5B12.7B23.9B
Net Debt275M(281M)(9.9B)5.8B2.5B2.7B
Retained Earnings4.0B4.3B5.2B5.8B6.2B6.5B
Other Assets36.1B44.1B29.9B80.9B(662M)(628.9M)
Total Liab61.8B1.3B1.0B84.7B81.5B85.6B
Common Stock2.7B2.7B1.9B1.8B1.7B2.4B
Cash1.4B1.6B10.9B2.0B662M628.9M
Total Current Assets15.5B17.7B35.3B6.2B4.2B4.0B
Short Term Debt1B1.9B802M7.1B1.5B812.5M
Other Current Assets2.1B7.9B13.6B(8.1B)3.6B3.4B
Other Liab693M1.0B1.0B1.3B1.5B1.5B
Accounts Payable57.1B69.7B82.8B71.7B82.4B47.9B
Long Term Debt1.7B1.3B1.0B651M538M511.1M
Inventory(2.1B)(7.9B)(13.6B)3M(1.0B)(1.1B)
Net Receivables327M334M320M386M383M316.4M
Net Tangible Assets5.8B6.3B6.0B3.4B3.9B5.7B
Long Term Debt Total1.7B1.3B1.0B651M585.9M988.5M

Zions Bancorporation Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense411M153M59M185M1.5B1.6B
Total Revenue2.8B2.8B2.9B3.3B2.7B1.7B
Gross Profit2.8B2.8B2.9B3.3B2.7B1.7B
Operating Income1.1B672M1.4B1.3B1.1B733.1M
Ebit1.2B672M1.4B1.2B886M741.9M
Ebitda1.2B758M1.4B1.3B1.0B817.5M
Income Before Tax1.1B672M1.4B1.2B886M930.3M
Net Income816M539M1.1B907M642M674.1M
Income Tax Expense237M133M317M245M206M121.0M
Tax Provision237M133M317M245M206M259.0M
Net Interest Income2.3B2.2B2.2B2.5B2.4B2.4B
Interest Income2.7B2.4B2.3B2.7B3.9B2.7B

Zions Bancorporation Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash91M(162M)52M62M59M82.0M
Free Cash Flow580M548M423M1.3B790M521.5M
Depreciation188M86M(14M)110M140M116.7M
Other Non Cash Items21M385M(388M)76M177M138.9M
Dividends Paid260M259M261M269M282M296.1M
Capital Expenditures117M171M206M190M113M96.8M
Net Income816M539M1.1B907M674M707.7M
End Period Cash Flow705M543M595M657M716M1.0B
Change To Netincome27M(154M)(145M)(104M)(93.6M)(88.9M)
Investments(852M)(12.2B)(11.5B)1.5B2.4B2.5B
Net Borrowings3.6B(910M)(955M)9.2B10.6B11.1B

Zions Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Zions Bancorporation's current stock value. Our valuation model uses many indicators to compare Zions Bancorporation value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Zions Bancorporation competition to find correlations between indicators driving Zions Bancorporation's intrinsic value. More Info.
Zions Bancorporation is rated second in return on equity category among its peers. It is rated below average in return on asset category among its peers reporting about  0.07  of Return On Asset per Return On Equity. The ratio of Return On Equity to Return On Asset for Zions Bancorporation is roughly  14.83 . At this time, Zions Bancorporation's Return On Equity is very stable compared to the past year. The reason why the comparable model can be used in almost all circumstances is due to the vast number of multiples that can be utilized, such as the price-to-earnings (P/E), price-to-book (P/B), price-to-sales (P/S), price-to-cash flow (P/CF), and many others. The P/E ratio is the most commonly used of these ratios because it focuses on the Zions Bancorporation's earnings, one of the primary drivers of an investment's value.

Zions Bancorporation Systematic Risk

Zions Bancorporation's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Zions Bancorporation volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twenty-four with a total number of output elements of thirty-seven. The Beta measures systematic risk based on how returns on Zions Bancorporation correlated with the market. If Beta is less than 0 Zions Bancorporation generally moves in the opposite direction as compared to the market. If Zions Bancorporation Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Zions Bancorporation is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Zions Bancorporation is generally in the same direction as the market. If Beta > 1 Zions Bancorporation moves generally in the same direction as, but more than the movement of the benchmark.

Zions Bancorporation Thematic Clasifications

Zions Bancorporation is part of FinTech investing theme. If you are a theme-oriented, socially responsible, and at the same time, a result-driven investor, you can align your investing habits with your values without jeopardizing your expectations about returns. You can easily create an optimal portfolio of stocks, ETFs, funds, or cryptocurrencies based on a specific theme of your liking. A collection of large financial service, investment, and banking companies. High long term potential financial entities that are ranging from payment processing, investment management to commercial and investment banking
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This theme covers A collection of large financial service, investment, and banking companies. High long term potential financial entities that are ranging from payment processing, investment management to commercial and investment banking. Get More Thematic Ideas
Today, most investors in Zions Bancorporation Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Zions Bancorporation's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Zions Bancorporation growth as a starting point in their analysis.

Price Earnings To Growth Ratio

(0.38)

At this time, Zions Bancorporation's Price Earnings To Growth Ratio is very stable compared to the past year.

Zions Bancorporation November 27, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Zions Bancorporation help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Zions Bancorporation. We use our internally-developed statistical techniques to arrive at the intrinsic value of Zions Bancorporation based on widely used predictive technical indicators. In general, we focus on analyzing Zions Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Zions Bancorporation's daily price indicators and compare them against related drivers.
When determining whether Zions Bancorporation offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of Zions Bancorporation's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Zions Bancorporation Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Zions Bancorporation Stock:
Check out Your Current Watchlist to better understand how to build diversified portfolios, which includes a position in Zions Bancorporation. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in persons.
To learn how to invest in Zions Stock, please use our How to Invest in Zions Bancorporation guide.
You can also try the Price Exposure Probability module to analyze equity upside and downside potential for a given time horizon across multiple markets.
Is Regional Banks space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Zions Bancorporation. If investors know Zions will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Zions Bancorporation listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
0.212
Dividend Share
1.64
Earnings Share
4.39
Revenue Per Share
20.433
Quarterly Revenue Growth
0.076
The market value of Zions Bancorporation is measured differently than its book value, which is the value of Zions that is recorded on the company's balance sheet. Investors also form their own opinion of Zions Bancorporation's value that differs from its market value or its book value, called intrinsic value, which is Zions Bancorporation's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Zions Bancorporation's market value can be influenced by many factors that don't directly affect Zions Bancorporation's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Zions Bancorporation's value and its price as these two are different measures arrived at by different means. Investors typically determine if Zions Bancorporation is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Zions Bancorporation's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.