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Zions Bancorporation N.A. (ZION)

Valor Justo
Financial ServicesBanks - RegionalUnited States

Fundamental

77

Precio

$62.65

Capitalización Bursátil

$9.14B

Parte 1 · Cuánto vale la empresa

Resumen

Zions Bancorporation, National Association provides various banking products and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company operates through Zions Bank, California Bank & Trust, Amegy Bank, National Bank of Arizona, Nevada State Bank, Vectra Bank Colorado, and The Commerce Bank of Washington segments. It offers commercial and small business banking services to small- and medium-sized businesses, such as commercial, industrial, and owner-occupied lending and leasing; municipal and public finance services; depository account and cash management services; commercial and small business cards; merchant processing services; corporate trust services; and correspondent banking and international lending services. The company also provides capital markets and investment banking services, including loan syndications, foreign exchange services, interest rate derivatives, fixed income securities underwriting, mergers and acquisitions advisory services, advisory and capital raising, commercial mortgage-backed security conduit lending, and power and project financing; and commercial real estate lending services consisting of term and construction/land development financing for commercial and residential purposes. In addition, it offers retail banking services comprising residential mortgages lending, home equity lines of credit, personal lines of credit, installment consumer loans, depository account services, consumer cards, and personal trust services; and wealth management services consisting of investment management, fiduciary and estate, and advanced business succession and estate planning services. 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.

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Direct competitors

Who this company fights with for the same customers

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No competitor list for this company yet.

Balance y Liquidez

Ingresos

$3.74B

Últimos 12 meses (hasta 30/6/2026)

Beneficio Neto

$1.17B

Últimos 12 meses (hasta 30/6/2026)

Flujo de Caja Libre

$952M

Patrimonio Neto Total

$7.18B

Pasivo Total

$81.51B

Ratio de Liquidez

-

Cobertura de Intereses

0.56

Deuda/EBITDA

-

Beneficio Por Acción

Ingresos y Beneficio Neto

Flujo de Caja Libre

Desglose de Ingresos

Estado histórico

Márgenes en el tiempo

La deuda en el tiempo

Cuadro de crecimiento

Crecimiento — Ingresos

Estimación de Valor Justo

BancoValoración Justa

Valor Justo

$82.76

Precio Actual

$62.65

Margen de Seguridad

+24.3%

Rango de Valor Justo

$55.09 - $110.44

Dispersión entre los métodos de valoración utilizados, no un intervalo de confianza calibrado estadísticamente.

Métodos de Estimación

Precio objetivo de los analistas:$74.77
Flujo de caja descontado (DCF):No aplicable a este tipo de empresa
Múltiplo sobre beneficios (P/E):$69.55
Fórmula de crecimiento de Graham:No aplicable a este tipo de empresa
Valor de la capacidad de generar beneficios (EPV):No aplicable a este tipo de empresa
P/B justificado:$111.73
Descuento de dividendos (Gordon):$35.57
P/FFO, fondos de operaciones:No aplicable a este tipo de empresa
Beneficios de mitad de ciclo:No aplicable a este tipo de empresa
Múltiplo sobre ingresos:No aplicable a este tipo de empresa
Consenso de Analistas:Comprar (12B / 13H / 3S)
Última Sorpresa de Resultados:+65.28%

Métricas de Valoración

Ratio P/E

7.98

ROE

12.5%

Ratio P/B

1.19

P/FCF

5.44

Margen Bruto

-

ROIC

-

Radar de Rentabilidad

Creación de Valor (Ventaja Competitiva)

ROIC

-

WACC

10.4%

ROIC − WACC

-

Criterios de Análisis Fundamental

Superado (15)

  • EPS shows upward trend
  • P/FCF 5.44
  • P/B Ratio 1.19
  • Operating Margin 40.2%
  • Positive Free Cash Flow
  • CapEx intensity
  • Low reliance on intangibles
  • Price below Graham Number
  • ROE 16.1%
  • Earnings Surprise avg 21.4%
  • PEG Ratio 0.58
  • Earnings Quality (OCF/NI) 1.54
  • Share Dilution -5.6%
  • Net Margin Trend 31.3% vs 26.0%
  • Piotroski F-Score 7/9

Fallido (7)

  • Price CAGR 3.83%
  • Debt/Equity ratio
  • Interest Coverage
  • Return on Tangible Assets
  • DCF valuation (Fairly valued)
  • Revenue Growth 5Y 4.3%
  • Analyst Consensus 43% Buy

No disponible (5)

  • ROIC NaN%
  • Gross Margin NaN%
  • Dividend Payout NaN%
  • Current Ratio
  • Debt/EBITDA

Piotroski F-Score

7/9

Solidez financiera fuerte

score
criteria

Calidad de los Beneficios

1.54

Alta calidad: beneficios respaldados por efectivo

Dilución de Acciones

-5.6%

Recomprando acciones. Favorable para el accionista

Participaciones institucionales

Gobernanza

Equipo Directivo

NombreCargoEdad
Mr. Harris Henry SimmonsChairman & CEO71
Mr. Scott J. McLeanPresident, COO & Director68
Mr. Robert Ryan RichardsExecutive VP & CFO48
Mr. Christopher KyriakakisExecutive VP & Chief Risk Officer53
Mr. Kenneth Jay CollinsExecutive VP and Chief Transformation & Operations Officer59
Ms. Margaret MayerExecutive VP & Chief Information Officer-
Dave RichesInterim Director of Investor Relations-
Mr. Eric LuceroExecutive VP & Chief Marketing Officer-
Ms. Christina MilesSenior VP & Director of Sales-
Mr. Scott A. LawExecutive VP & Chief Human Resources Officer59

Riesgo de Auditoría

2

Riesgo del Consejo

5

Riesgo de Compensación

1

Riesgo de Derechos del Accionista

1

Parte 2 · El precio y el momento de entrar

Esta parte no sirve para saber si la empresa vale: sirve para elegir cuándo comprarla, una vez que los fundamentales te han convencido. Dentro: análisis técnico, potencial, caídas históricas, exposición gamma.

Documentos

  • Informe anual (10-K)

    Un resumen anual del negocio, los resultados financieros y los riesgos de la empresa.

    Presentado el 2026-02-24

    Ver documento
  • Informe trimestral (10-Q)

    Una actualización del desempeño financiero de los últimos tres meses.

    Presentado el 2026-08-06

    Ver documento
  • Informe de hecho relevante (8-K)

    Un aviso sobre un hecho relevante, como un cambio de dirección o un anuncio importante.

    Presentado el 2026-09-09

    Ver documento

via SEC EDGAR

Historial de Resultados

via SEC EDGAR

Latest News

Recent headlines for ZION, sourced from Markets Gazette.

  • 4/20/2026NEUTRAL
    Zions Bancorp Reports Q1 2026 Results: Full Earnings Call Transcript

    Zions Bancorp has released its Q1 2026 earnings call transcript. While the transcript provides a detailed account of the company's performance and outlook, it does not contain specific financial figures or forward-looking statements that would indicate a clear positive or negative shift in its valuation. Investors will need to review the transcript for qualitative insights into management's strategy, operational efficiency, and market positioning. The absence of immediate quantitative data suggests a neutral stance until further analysis of the call's content can be performed.

  • 4/17/2026POSITIVE
    How To Earn $500 A Month From Zions Bancorp Stock Ahead Of Q1 Earnings

    Zions Bancorp is set to announce its first-quarter earnings on April 20th. The article highlights a potentially attractive dividend yield, suggesting it could draw investor interest for capital appreciation. While specific earnings forecasts are not detailed, the focus on dividend yield implies a positive outlook for income-focused investors anticipating steady or increased payouts. This could signal a favorable environment for shareholders looking for consistent returns ahead of the earnings report.

via Markets Gazette