-2.37%
2.91%
9.82%
20.76%
45.33%
-18.01%
22.51%
AI Spotlight on ZION
Company Description
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.The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services.As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased.
The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018.Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.
Market Data
| Last Price | 56.49 |
| Change Percentage | -2.37% |
| Open | 55.87 |
| Previous Close | 57.86 |
| Market Cap ( Millions) | 8344 |
| Volume | 392633 |
| Year High | 63.22 |
| Year Low | 38.01 |
| M A 50 | 57.29 |
| M A 200 | 49.34 |
Financial Ratios
| FCF Yield | 8.41% |
| Dividend Yield | 2.94% |
| ROE | 12.87% |
| Debt / Equity | 78.09% |
| Net Debt / EBIDTA | 6165.67% |
| Price To Book | 1.36 |
| Price Earnings Ratio | 10.6 |
| Price To FCF | 11.9 |
| Price To sales | 1.74 |
| EV / EBITDA | 186.13 |
News
- Jan -31 - ZIONS BANCORPORATION'S BOARD DECLARES DIVIDENDS ON COMMON AND PREFERRED STOCK
- Jan -23 - Zions (ZION) Could Be a Great Choice
- Jan -22 - Zions Bancorporation: A Mixed Set Of Results Gives Us Pause
- Jan -22 - Zions' Q4 Earnings Top Estimates on Higher NII & Fee Income
- Jan -22 - Zions Bancorporation, National Association (ZION) Q4 2024 Earnings Call Transcript
- Jan -22 - Here's What Key Metrics Tell Us About Zions (ZION) Q4 Earnings
- Jan -21 - Zions (ZION) Q4 Earnings and Revenues Beat Estimates
- Jan -21 - Zions Bancorporation, National Association Reports Fourth Quarter Financial Results
- Jan -15 - Unlocking Q4 Potential of Zions (ZION): Exploring Wall Street Estimates for Key Metrics
- Jan -14 - CALIFORNIA BANK & TRUST DONATES $100,000 FOR LOS ANGELES WILDFIRE RELIEF
- Dec -09 - ZIONS BANCORPORATION ANNOUNCES 2025 EARNINGS RELEASE DATES
- Dec -06 - Zions Bancorporation: Strong Underwriting And Potential Regulatory Loosening Make Stock Attractive
- Dec -03 - New Strong Buy Stocks for December 3rd
- Dec -03 - Best Income Stocks to Buy for December 3rd
- Dec -03 - Best Value Stocks to Buy for December 3rd
- Nov -26 - ZIONS BANCORPORATION TO PRESENT AT THE GOLDMAN SACHS U.S. FINANCIAL SERVICES CONFERENCE
- Nov -22 - Zions (ZION) Upgraded to Buy: Here's Why
- Nov -15 - ZIONS BANCORPORATION PRICES PUBLIC OFFERING OF SUBORDINATED NOTES AND ANNOUNCES ADDITIONAL CAPITAL ACTIONS
- Nov -07 - Zions Bancorporation, N.A. (ZION) Hits Fresh High: Is There Still Room to Run?
- Nov -06 - Surging Earnings Estimates Signal Upside for Zions (ZION) Stock
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Zions Bank
Expected Growth : 5 %
What the company do ?
Zions Bank is a Utah-based bank providing financial services, including personal and business banking, loans, and investments, as a subsidiary of Zions Bancorporation, National Association.
Why we expect these perspectives ?
Zions Bank's 5% growth is driven by its strong presence in the Western US, diversified revenue streams, and solid credit quality. The bank's focus on commercial and industrial lending, as well as its growing wealth management business, contribute to its growth. Additionally, its investments in digital banking and technology enhance customer experience and improve operational efficiency.
Segment n°2 -> California Bank and Trust
Expected Growth : 4 %
What the company do ?
California Bank and Trust is a subsidiary of Zions Bancorporation, National Association, offering personal and business banking services in California.
Why we expect these perspectives ?
California Bank and Trust's 4% growth is driven by strategic expansion into California's thriving markets, diversification of loan portfolios, and investments in digital banking platforms. Additionally, Zions Bancorporation's strong brand reputation and risk management practices have contributed to the bank's steady growth.
Segment n°3 -> Amegy
Expected Growth : 4 %
What the company do ?
Amegy is a banking brand from Zions Bancorporation, offering personal and commercial banking services, including loans, credit cards, and investment products.
Why we expect these perspectives ?
Amegy's 4% growth is driven by its strong presence in Texas, strategic expansion into new markets, and a diversified loan portfolio. Additionally, its parent company Zions Bancorporation's digital transformation initiatives and cost-saving measures have contributed to its growth. Furthermore, Amegy's focus on commercial and industrial lending, as well as its robust risk management practices, have enabled it to maintain a stable and growing balance sheet.
Segment n°4 -> National Bank of Arizona
Expected Growth : 4 %
What the company do ?
The National Bank of Arizona is a division of Zions Bancorporation, National Association, offering personal and business banking services in Arizona.
Why we expect these perspectives ?
National Bank of Arizona's 4% growth is driven by its strategic expansion into the Phoenix market, increased commercial lending, and a strong deposit growth rate of 5%. Additionally, its affiliation with Zions Bancorporation provides access to a larger capital base, enabling investments in digital banking and talent acquisition, further fueling growth.
Segment n°5 -> Nevada State Bank
Expected Growth : 4 %
What the company do ?
Nevada State Bank, a division of Zions Bancorporation, National Association, offers personal and business banking services, including loans, credit cards, and investment products.
Why we expect these perspectives ?
Nevada State Bank's 4% growth is driven by a strong economy in Nevada, fueled by tourism and entertainment industries. Additionally, the bank's focus on commercial lending, particularly in the small business and middle market segments, has contributed to its growth. Furthermore, the bank's digital transformation efforts and investment in technology have enhanced customer experience, attracting new customers and increasing deposits.
Segment n°6 -> Vectra
Expected Growth : 4 %
What the company do ?
Vectra is a digital banking platform from Zions Bancorporation, offering personalized financial management tools and services to individuals and businesses.
Why we expect these perspectives ?
Vectra's 4% growth is driven by increasing demand for digital banking solutions, strategic partnerships, and expansion into new markets. Additionally, investments in artificial intelligence and machine learning have enhanced customer experience, leading to increased adoption and retention rates. Furthermore, the rise of online lending and cash management services has contributed to Vectra's growth.
Segment n°7 -> Other
Expected Growth : 3 %
What the company do ?
Zions Bancorporation's 'Other' segment includes revenues from trust and investment services, insurance, and brokerage activities.
Why we expect these perspectives ?
Zions Bancorporation's 'Other' segment growth is driven by increasing demand for mortgage banking services, expansion of its digital banking platform, and strategic acquisitions. Additionally, the segment benefits from a diversified revenue stream, including trust and investment services, and a strong balance sheet with ample liquidity.
Segment n°8 -> The Commerce Bank of Washington
Expected Growth : 4 %
What the company do ?
The Commerce Bank of Washington, a subsidiary of Zions Bancorporation, National Association, is a banking institution that provides financial services to individuals and businesses.
Why we expect these perspectives ?
The Commerce Bank of Washington's 4% growth is driven by its strategic expansion into the Pacific Northwest, increased commercial lending, and a strong deposit growth. Additionally, its parent company Zions Bancorporation's digital transformation efforts and cost savings initiatives have also contributed to its growth.
Zions Bancorporation, National Association Products
| Product Range | What is it ? |
|---|---|
| Personal Banking | Zions Bancorporation offers a range of personal banking services, including checking and savings accounts, credit cards, loans, and investment products. |
| Business Banking | Zions provides business banking services, including commercial loans, cash management, and treasury management solutions, to help businesses manage their finances and grow. |
| Mortgage Lending | Zions offers a range of mortgage lending products, including conventional, FHA, VA, and jumbo loans, to help individuals and families purchase or refinance their homes. |
| Wealth Management | Zions' wealth management services provide investment management, financial planning, and trust services to help individuals and families achieve their long-term financial goals. |
| Treasury Management | Zions' treasury management services provide cash management, risk management, and trade finance solutions to help businesses optimize their financial performance. |
| Credit Cards | Zions offers a range of credit card products, including cash back, rewards, and low-interest credit cards, to help individuals and businesses manage their expenses. |
Zions Bancorporation, National Association's Porter Forces
Threat Of Substitutes
Zions Bancorporation, National Association operates in a highly competitive industry, and customers have various alternatives for their banking needs. However, the company's strong brand reputation and diverse product offerings mitigate the threat of substitutes to some extent.
Bargaining Power Of Customers
Zions Bancorporation, National Association has a large customer base, which reduces the bargaining power of individual customers. Additionally, the company's diverse product offerings and strong brand reputation reduce the likelihood of customers switching to competitors.
Bargaining Power Of Suppliers
Zions Bancorporation, National Association has a diverse supplier base, which reduces the bargaining power of individual suppliers. The company's strong financial position and long-term relationships with suppliers also mitigate the bargaining power of suppliers.
Threat Of New Entrants
The banking industry has high barriers to entry, including regulatory hurdles and significant capital requirements. Additionally, Zions Bancorporation, National Association's strong brand reputation and established customer base make it difficult for new entrants to gain traction.
Intensity Of Rivalry
The banking industry is highly competitive, with many established players competing for market share. Zions Bancorporation, National Association faces intense competition from other regional banks, national banks, and fintech companies, which increases the intensity of rivalry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 45.01% |
| Debt Cost | 7.61% |
| Equity Weight | 54.99% |
| Equity Cost | 9.53% |
| WACC | 8.67% |
| Leverage | 81.86% |
Zions Bancorporation, National Association : Quality Control
Zions Bancorporation, National Association passed 3 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CMA | Comerica Incorporated, through its subsidiaries, provides various financial products and services. It operates through Commercial Bank, Retail Bank, Wealth Management, and Finance segments. The Commercial Bank segment offers various products … |
| KEY | KeyCorp operates as the holding company for KeyBank National Association that provides various retail and commercial banking products and services in the United States. It operates in two segments, Consumer … |
| WBS | Webster Financial Corporation operates as the bank holding company for Webster Bank, National Association that provides a range of banking, investment, and financial services to individuals, families, and businesses in … |
| HWC | Hancock Whitney Corporation operates as the financial holding company for Hancock Whitney Bank that provides traditional and online banking services to commercial, small business, and retail customers. It accepts various … |
| FNB | F.N.B. Corporation, a financial holding company, provides a range of financial services primarily to consumers, corporations, governments, and small- to medium-sized businesses. The company operates through three segments: Community Banking, … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Comerica
A-Score
1-Year Total Return ->
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Hancock Whitney
A-Score
1-Year Total Return ->
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FNB
A-Score
1-Year Total Return ->
4
Zions Bank
A-Score
1-Year Total Return ->
5
Webster
A-Score
1-Year Total Return ->
6
