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Zions Bancorp Stock Research

ZION

32.11USD+1.40(+4.56%)Market Closed

Market Summary

USD32.11+1.40
Market Closed
4.56%

ZION Alerts

ZION Stock Price

ZION RSI Chart

ZION Valuation

Market Cap

4.8B

Price/Earnings (Trailing)

5.26

Price/Sales (Trailing)

1.76

Price/Free Cashflow

3.73

ZION Price/Sales (Trailing)

ZION Profitability

Return on Equity

18.54%

Return on Assets

1.01%

Free Cashflow Yield

26.81%

ZION Fundamentals

ZION Revenue

Revenue (TTM)

2.7B

Revenue Y/Y

47.53%

Revenue Q/Q

18.1%

ZION Earnings

Earnings (TTM)

907.0M

Earnings Y/Y

33.33%

Earnings Q/Q

30.88%

Price Action

52 Week Range

22.5569.70
(Low)(High)

Last 7 days

-34.2%

Last 30 days

-41.5%

Last 90 days

-34.5%

Trailing 12 Months

-52.0%

ZION Financial Health

Debt/Equity

0.13

Debt/Cashflow

2.26

ZION Investor Care

Dividend Yield

4.92%

Dividend/Share (TTM)

1.58

Buy Backs (1Y)

1.95%

Diluted EPS (TTM)

5.8

Peers (Alternatives to Zions Bancorp)

View All Peers In Detail
NameMkt Capsorted ascendingRevenuePrice %, 1MReturns, 1YP/EP/SRev 1-YrInc 1-Yr
LARGE-CAP
387.2B
128.7B
-10.04% -0.72%
10.28
3.01
5.79% -22.05%
231.7B
95.0B
-20.08% -30.09%
8.42
2.44
6.55% -13.92%
149.2B
54.0B
-19.28% -21.00%
11.32
2.76
36.10% -38.82%
54.5B
17.9B
-27.81% -32.89%
9.36
3.04
33.05% -26.85%
53.3B
21.1B
-22.32% -30.61%
8.73
2.53
9.94% 6.78%
8.3B
2.7B
-36.60% -31.85%
9.27
3.11
24.33% -9.91%
MID-CAP
7.0B
1.5B
-19.15% -23.26%
12.05
4.73
46.29% 30.71%
7.0B
1.4B
-15.84% -11.84%
13.4
5.01
17.98% -15.83%
4.8B
2.7B
-41.49% -51.97%
5.26
1.76
19.32% -19.66%
4.4B
1.4B
-29.93% -40.27%
7.8
3.18
33.23% 6.34%
SMALL-CAP
2.1B
378.2M
-5.46% -7.67%
13.94
5.47
19.24% -3.63%
1.6B
541.8M
-14.17% -19.11%
22.59
3
22.45% -51.22%
1.4B
221.8M
-13.82% -20.18%
11.1
6.11
27.86% 41.07%
1.3B
716.1M
-19.52% -33.30%
6.15
1.87
26.40% 6.70%

Financials for Zions Bancorp

Income Statement (Last 12 Months)
(In Millions)
* denotes actual numbers (not divided by Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Revenue11.0%2,7052,4362,2982,2602,267
Interest Expenses7.1%2,5202,3532,2452,2072,208
Net Income8.5%9078368591,0101,129
Net Income Margin-2.3%0.34*0.34*0.37*0.45*-
Free Cahsflow36.9%1,280935926227-
Balance Sheet
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Assets1.2%89,54588,47487,78491,12693,200
    Cash Equivalents19.7%657549559700595
  Net PPE1.2%1,3881,3721,3461,319-
Liabilities1.0%84,65283,77882,15284,83285,737
  Long Term Debt0.6%6516476716891,012
Shareholder's Equity4.2%4,8934,6965,6326,2947,463
  Retained Earnings3.8%5,8115,5975,4475,3115,175
  Additional Paid-In Capital-2.5%1,7541,7991,8451,8891,928
Shares Outstanding-0.6%149150150151152
Cashflow (Last 12 Months)
(In Millions)
Description(%) Q/Q2022Q42022Q32022Q22022Q12021Q4
Cashflow From Operations28.7%1,4701,1421,150433629
  Share Based Compensation0%30.0030.0031.0031.0028.00
Cashflow From Investing146.0%1,405-3,052-2,759-6,650-11,579
Cashflow From Financing-251.1%-2,8131,8621,6436,34111,002
  Dividend Payments2.7%269262262261261
  Buy Backs-57.6%202476751802800

Risks for ZION

What is the probability of a big loss on ZION?

69.2%


Probability that Zions Bancorp stock will be more than 20% underwater in next one year

43.1%


Probability that Zions Bancorp stock will be more than 30% underwater in next one year.

19.6%


Probability that Zions Bancorp stock will be more than 40% underwater in next one year.
*Calculated based on probability distribution of losses observed in actual data in the last 5 years.

How does ZION drawdown profile look like?

Y-axis is the maximum loss one would have experienced if Zions Bancorp was unfortunately bought at previous high price.

Drawdowns

Returns for ZION

Cumulative Returns on ZION

3.7%


10-Year Cumulative Returns

5.4%


7-Year Cumulative Returns

-8.8%


5-Year Cumulative Returns

4.3%


3-Year Cumulative Returns

What are the long-term rolling returns for ZION?

FIve years rolling returns for Zions Bancorp.

Annualized Returns

Which funds bought or sold ZION recently?

View All Details
Datesorted ascendingFund NameType% Chg$ Change$ Held% Portfolio
2023-03-10
VICTORY CAPITAL MANAGEMENT INC
reduced
-0.24
-14,013,100
377,855,000
0.41%
2023-03-06
Rockefeller Capital Management L.P.
reduced
-2.21
-434,000
7,476,000
0.04%
2023-03-02
LORING WOLCOTT & COOLIDGE FIDUCIARY ADVISORS LLP/MA
new
-
5,900
5,900
-%
2023-02-28
Voya Investment Management LLC
added
27.7
621,597
3,274,600
-%
2023-02-27
Parallax Volatility Advisers, L.P.
new
-
805,732
805,732
-%
2023-02-24
NATIXIS
added
30.12
121,722
592,722
-%
2023-02-22
CVA Family Office, LLC
sold off
-100
-8,000
-
-%
2023-02-22
TEACHERS RETIREMENT SYSTEM OF THE STATE OF KENTUCKY
unchanged
-
-689,000
19,929,000
0.21%
2023-02-21
NORTHWESTERN MUTUAL INVESTMENT MANAGEMENT COMPANY, LLC
reduced
-16.1
-53,489
230,511
0.01%
2023-02-21
MACQUARIE GROUP LTD
reduced
-5.89
-552,000
4,131,000
-%

1–10 of 45

Latest Funds Activity

Are funds buying ZION calls or puts?
Calls
Puts
Are funds bullish or bearish(Calls - Puts)?
Net Call Options
No. of funds that own ZION
No. of Funds

Zions Bancorp News

Benzinga

This Is What Whales Are Betting On Zions Bancorp - Zions Bancorp (NASDAQ:ZION).

Benzinga,
15 minutes ago

Investopedia

Investor's Business Daily

Barchart

Investor's Business Daily

Seeking Alpha

Investor's Business Daily

Schedule 13G FIlings of Zions Bancorp

Date FiledName of FilerPercent of ClassNo. of SharesForm Type
Feb 09, 2023
vanguard group inc
14.09%
21,079,668
SC 13G/A
Feb 02, 2023
victory capital management inc
-
7,686,226
SC 13G
Feb 01, 2023
blackrock inc.
6.6%
9,879,868
SC 13G/A
Feb 14, 2022
state street corp
5.33%
8,337,759
SC 13G/A
Feb 04, 2022
wellington management group llp
3.65%
5,709,455
SC 13G/A
Feb 01, 2022
blackrock inc.
6.7%
10,548,560
SC 13G/A
Jan 31, 2022
invesco ltd.
4.5%
7,115,910
SC 13G/A
Feb 16, 2021
state street corp
4.97%
8,146,848
SC 13G/A
Feb 12, 2021
invesco ltd.
6.4%
10,469,723
SC 13G/A
Feb 10, 2021
vanguard group inc
11.36%
18,626,089
SC 13G/A

ZION Fair Value

Zions Bancorp fair value in different scenarios

The table shows the Fair Value estimates for Zions Bancorp for various scenarios. Disclaimer: These are just estimations from a model. None of the models are good at predicting the future. Please dont buy or sell stocks based on these outputs.
Fair ValueVery PessimisticPessimisticBase CaseOptimisticVery Optimistic
Very Low Inflation

18.86

-41.26%

38.52

19.96%

75.64

135.57%

116.03

261.35%

148.01

360.95%
Current Inflation

15.48

-51.79%

32.62

1.59%

64.06

99.50%

98.13

205.61%

124.93

289.07%
Very High Inflation

11.22

-65.06%

25.39

-20.93%

50.34

56.77%

77.29

140.70%

98.29

206.10%

Historical Zions Bancorp Fair Value Estimates


Very Pessimistic Case
Pessimistic Case
Fair Value
Optimistic Case
Very Optimistic Case
Closing Stock Price

Recent SEC filings of Zions Bancorp

View All Filings
Date Filed Form Type Document
Mar 07, 2023
4
Insider Trading
Mar 07, 2023
4
Insider Trading
Mar 07, 2023
4
Insider Trading
Mar 03, 2023
4
Insider Trading
Mar 02, 2023
4
Insider Trading
Mar 02, 2023
4
Insider Trading
Mar 02, 2023
4
Insider Trading
Mar 02, 2023
4
Insider Trading
Mar 02, 2023
4
Insider Trading
Mar 02, 2023
4/A
Insider Trading

Latest Insider Trading transactions for ZION

Filter Transactions
Datesorted ascendingNameBuy/Sell$ ValueAvg. Price# SharesTitle
2023-03-06
STEPHENS STEVEN DAN
acquired
49,979
48.76
1,025
executive vice president
2023-03-06
Young Mark Richard
acquired
37,984
48.76
779
exec vp
2023-03-03
SIMMONS HARRIS H
gifted
-
-
-21,420
chairman & ceo
2023-03-02
Hoff Olga
sold (taxes)
-1,884
48.31
-39.00
exec vp
2023-03-01
ALEXANDER BRUCE K
sold (taxes)
-10,743
50.44
-213
exec vp and
2023-03-01
Ellingsen Eric
sold (taxes)
-12,156
50.44
-241
executive vp &
2023-03-01
Robinson Rebecca K
sold (taxes)
-10,895
50.44
-216
executive vice president
2023-03-01
Burdiss Paul E.
sold (taxes)
-47,867
50.44
-949
executive vice president
2023-03-01
MCLEAN SCOTT J
sold (taxes)
-51,701
50.44
-1,025
president
2023-03-01
ANDERSON A SCOTT
sold (taxes)
-20,377
50.44
-404
exec vp and

1–10 of 50

Harris H. Simmons
9680
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.

ZION Income Statement

2022-12-31
Consolidated Statements of Income - USD ($)
shares in Thousands, $ in Millions
12 Months Ended
Dec. 31, 2022
Dec. 31, 2021
Dec. 31, 2020
Interest income:   
Interest and fees on loans$ 2,112$ 1,935$ 2,050
Interest on money market investments812114
Interest on securities512311304
Total interest income2,7052,2672,368
Interest expense:   
Interest on deposits7030105
Interest on short- and long-term borrowings1152947
Total interest expense18559152
Net interest income2,5202,2082,216
Provision for loan losses101(258)385
Provision for unfunded lending commitments21(18)29
Total provision for credit losses122(276)414
Net interest income after provision for credit losses2,3982,4841,802
Noninterest income:   
Commercial account fees159137132
Card fees1049582
Retail and business banking fees737468
Loan-related fees and income8095109
Capital markets and foreign exchange fees837070
Wealth management fees555044
Other customer-related fees605444
Customer-related noninterest income614575549
Fair value and nonhedge derivative income (loss)1614(6)
Dividends and other income174324
Securities gains (losses), net(15)717
Total noninterest income632703574
Noninterest expense:   
Salaries and employee benefits1,2351,1271,087
Technology, telecom, and information processing209199192
Occupancy and equipment, net152153151
Professional and legal services577257
Marketing and business development394361
Deposit insurance and regulatory expense503433
Credit-related expense302622
Other real estate expense, net101
Other10587100
Total noninterest expense1,8781,7411,704
Income before income taxes1,1521,446672
Income taxes245317133
Net income9071,129539
Preferred stock dividends(29)(29)(34)
Net earnings applicable to common shareholders$ 878$ 1,100$ 505
Weighted average common shares outstanding during the year:   
Basic shares (in shares)150,064159,913163,737
Diluted shares (in shares)150,271160,234165,613
Net earnings per common share:   
Basic (in dollars per share)$ 5.80$ 6.80$ 3.06
Diluted (in dollars per share)$ 5.79$ 6.79$ 3.02

ZION Balance Sheet

2022-12-31
Consolidated Balance Sheets - USD ($)
$ in Millions
Dec. 31, 2022
Dec. 31, 2021
ASSETS  
Cash and due from banks$ 657$ 595
Money market investments:  
Interest-bearing deposits1,34010,283
Federal funds sold and securities purchased under agreements to resell2,4262,133
Investment securities:  
Total debt securities11,126441
Available-for-sale, at fair value11,91524,048
Trading account, at fair value465372
Total investment securities23,50624,861
Loans held for sale883
Loans, net of allowance  
Loans and leases, net of unearned income and fees55,65350,851
Less allowance for loan and lease losses575513
Loans, net of allowance55,07850,338
Other noninterest-bearing investments1,130851
Premises, equipment and software, net1,4081,319
Goodwill and intangibles1,0651,015
Other real estate owned38
Other assets2,9241,714
Total assets89,54593,200
LIABILITIES AND SHAREHOLDERS’ EQUITY  
Noninterest-bearing demand35,77741,053
Interest-bearing:  
Savings and money market33,56640,114
Time2,3091,622
Total deposits71,65282,789
Federal funds and other short-term borrowings10,417903
Long-term debt6511,012
Reserve for unfunded lending commitments6140
Other liabilities1,871993
Total liabilities84,65285,737
Shareholders’ equity:  
Preferred stock, without par value; authorized 4,400 shares440440
Common stock ($0.001 par value; authorized 350,000 shares; issued and outstanding 148,664 and 151,625 shares and additional paid-in capital)1,7541,928
Retained earnings5,8115,175
Accumulated other comprehensive income(3,112)(80)
Total shareholders’ equity4,8937,463
Total liabilities and shareholders’ equity$ 89,545$ 93,200