Zions: A Beneficiary Of Lower Rates
Zions Bancorporation continues to outperform, rising 20% over the past year and exceeding my previous $52 price target. ZION's decentralized model drives strong credit quality, with excellent underwri...
Fiscal Year: January - December
Zions Bancorporation, National Association (ZION), listed on the NASDAQ, has a market capitalization of $. As of Oct 03, 2025, the stock is trading at $57.10 per share, offering investors a clear view of its current market value. Zions Bancorporation, National Association is a prominent player in the industry sector, attracting both institutional and retail investors due to its performance and potential.
With a P/E ratio of 10.43, investors can assess the stock's valuation in comparison to its earnings. A P/E ratio is a crucial indicator for value investors, showing whether the stock is over or undervalued relative to its current earnings. Zions Bancorporation, National Association also offers a dividend yield of 3.01%, making it an attractive option for income-focused investors who seek regular dividends.
Our Discounted Cash Flow (DCF) analysis reveals that Zions Bancorporation, National Association (ZION) may be overvalued compared to its intrinsic worth. However, to see the exact DCF fair value, please Login or Upgrade for access.
The proprietary SS Score for Zions Bancorporation, National Association is a unique metric that analyzes the company's financial health and growth potential. The score takes into account critical factors such as revenue growth, net income, free cash flow (FCF) compound annual growth rate (CAGR), the trend of shares outstanding, and the debt-to-FCF ratio. This helps investors to make a more informed decision, as an undervalued stock might still have poor financial fundamentals.
To view the detailed SS Score for Zions Bancorporation, National Association, Login or Upgrade for access.
The Price to Free Cash Flow (P/FCF) ratio for Zions Bancorporation, National Association is 12.91, offering insights into how much investors are paying for the company's free cash flow. A lower P/FCF ratio typically suggests that the stock is undervalued, while a higher ratio may indicate overvaluation.
In summary, Zions Bancorporation, National Association (ZION) has shown consistent financial performance, as illustrated by the financial charts above, which track its revenue growth, net income, free cash flow, and shares outstanding over the past several years. These metrics provide investors with key insights into the company's past and projected future performance. Investors should use the SS Score alongside the DCF Fair Value to make better-informed decisions about whether to buy or hold the stock.
*This analysis is for informational purposes only and does not constitute investment advice. Always read the company's 10-K filings and do your own research before making any investment decisions.
Whether Zions Bancorporation, National Association (ZION) is a good stock to buy depends on various factors, including its financial health, market conditions, and your investment strategy. Our analysis indicates that the stock may be overvalued compared to its intrinsic value. However, it is important to assess the SS Score and review the company's fundamentals before making any investment decisions.
The fair value of Zions Bancorporation, National Association (ZION) is determined through our Discounted Cash Flow (DCF) analysis. This value represents the intrinsic worth of the stock based on its expected future cash flows. To view the specific fair value, consider subscribing to our service for complete access.
The SS Score is a proprietary financial quality metric that assesses factors such as revenue growth, net income, free cash flow growth, and debt levels. It helps investors evaluate the overall financial health of Zions Bancorporation, National Association. To access the full SS Score, consider upgrading your subscription.
Zions Bancorporation, National Association is a significant player in the industry sector, with a market capitalization of $ and a competitive P/E ratio of 10.43. Investors should compare these metrics with industry peers to gauge whether Zions Bancorporation, National Association is outperforming or underperforming within its sector.
Zions Bancorporation continues to outperform, rising 20% over the past year and exceeding my previous $52 price target. ZION's decentralized model drives strong credit quality, with excellent underwri...
Zions Bancorporation, National Association (NASDAQ:ZION) Barclays 23rd Annual Global Financial Services Conference September 10, 2025 11:15 AM EDT Company Participants Harris Simmons - Chairman & CEO...
SALT LAKE CITY , Aug. 27, 2025 /PRNewswire/ -- Harris Simmons, Chairman and CEO of Zions Bancorporation, N.A. (NASDAQ: ZION), will present at the Barclays Global Financial Services Conference, Wednesd...
SALT LAKE CITY , Aug. 11, 2025 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) announced today that it priced $500,000,000 of fixed-to-floating rate senior notes (CUSIP: 98971DAD2) due Augus...
This article is part of our monthly series where we highlight five large-cap, relatively safe, dividend-paying companies offering significant discounts to their historical norms. We go over our filter...
SALT LAKE CITY , Aug. 1, 2025 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) announced today that its board of directors ("board") declared a regular quarterly dividend of $0.45 per common ...
Zions Bancorporation ZION reported better-than-expected earnings for the second quarter on Monday.
Zions Bancorporation delivered strong Q2 results, with revenue and net income beating estimates and robust loan growth supporting future earnings. Net interest margin expanded, cost of funds declined,...
Zions Bancorporation, National Association (NASDAQ:ZION) Q2 2025 Earnings Conference Call July 21, 2025 5:30 PM ET Company Participants Derek Steward - Executive VP & Chief Credit Officer Harris Henr...
SALT LAKE CITY , July 21, 2025 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) ("Zions" or "the Bank") today reported net earnings applicable to common shareholders for the second quarter of...
Shares of Utah-based Zions Bancorporation have been pretty volatile since my last piece in March, although they have now largely recovered their "Liberation Day" losses. At the business level, impacts...
Zions Bancorporation's strong credit quality and conservative underwriting set it apart, with low charge-offs and robust reserve coverage supporting its loan book. Deposit base remains stable and net ...
SALT LAKE CITY , May 21, 2025 /PRNewswire/ -- Scott McLean, President and COO of Zions Bancorporation, N.A. (NASDAQ: ZION), will present at the Morgan Stanley US Financials Conference on Tuesday, June...
DURANGO, Colo. , May 1, 2025 /PRNewswire/ -- Vectra Bank Colorado is pleased to announce the promotion of Symone Massey to the role of Market President in Durango.
DENVER, April 29, 2025 /PRNewswire/ -- Vectra Bank Colorado today announced the retirement of President and CEO, Bruce Alexander. Bruce's 25-year tenure at Vectra Bank has been marked by significant a...
Zions Bancorp ZION posted weaker-than-expected results for the first quarter on Monday.
Zions Bancorporation, National Association (NASDAQ:ZION) Q1 2025 Earnings Conference Call April 21, 2025 5:30 PM ET Company Participants Shannon Drage - Senior Director of Investor Relations Harris S...
David George, Baird senior analyst, joins 'Closing Bell Overtime' to talk Zions Bancorp quarterly results.
SALT LAKE CITY , April 21, 2025 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) ("Zions" or "the Bank") today reported net earnings applicable to common shareholders for the first quarter of...
Zions Bancorporation, National Association ZION will release earnings results for the first quarter, after the closing bell on Monday, April 21.
Zions Bancorporation, National Association ZION will release its first-quarter earnings results before the opening bell on Monday, April 21.
The community is invited to celebrate at Grand Opening event on March 24 SAN DIEGO , March 24, 2025 /PRNewswire/ -- California Bank & Trust (CB&T), a leading financial institution serving businesses a...
Like many domestic banks, growing economic uncertainty has hit the shares of Zions Bancorporation pretty hard recently. Pre-provision income trends have looked fairly robust since my opening piece, th...
SALT LAKE CITY , March 3, 2025 /PRNewswire/ -- Zions Bancorporation, N.A. (NASDAQ: ZION) is pleased to announce that it has been recognized by Coalition Greenwich as a 2025 Best Bank Award winner, rec...
Below estimates were sourced from SimplyWallSt and are intended for educational purposes only as a baseline for the analysis.
Year | FCF Estimate | % | # Analysts |
---|---|---|---|
2025 | 744.96M | -29.12% | Est @-29.1% |
2026 | 438.91M | -41.08% | Est @-41.1% |
2027 | 367.39M | -16.30% | Est @-16.3% |
2028 | 328.21M | -10.66% | Est @-10.7% |
2029 | 306.13M | -6.73% | Est @-6.7% |
2030 | 294.74M | -3.72% | Est @-3.7% |
2031 | 289.10M | -1.91% | Est @-1.9% |
2032 | 287.24M | -0.64% | Est @-0.6% |
2033 | 287.93M | 0.24% | Est @0.2% |
2034 | 290.25M | 0.80% | Est @0.8% |
Below are the FCF estimates with the discount factor and the calculated present value with the terminal value that led the results above.
Year | FCF | Discount Factor | PV of Future FCF |
---|---|---|---|
2023A | 772.00M | 1.00 | 772.00M |
2024A | 1.05B | 1.00 | 1.05B |
2025E | 744.96M | 1.13 | 657.40M |
2026E | 438.91M | 1.28 | 341.81M |
2027E | 367.39M | 1.46 | 252.48M |
2028E | 328.21M | 1.65 | 199.05M |
2029E | 306.13M | 1.87 | 163.84M |
2030E | 294.74M | 2.12 | 139.20M |
2031E | 289.10M | 2.40 | 120.49M |
2032E | 287.24M | 2.72 | 105.65M |
2033E | 287.93M | 3.08 | 93.45M |
2034E | 290.25M | 3.49 | 83.13M |
Terminal | 2.75B | 3.49 | 787.69M |
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