Zions Bancorporation, NA (ZION) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

KeyCorp

Capital One Financial Corp.

Credicorp Ltd.

U.S. Bancorp

The PNC Financial Services Group, Inc.

Huntington Bancshares, Inc.

Citizens Financial Group, Inc. (Rhode Island)

Regions Financial Corp.

Zions Bancorporation, NA

BOK Financial Corp.

Comerica, Inc.

Why is Zions Bancorporation, NA ?

High Profitability with a Net Interest Margin of 4.01%

Positive results in Mar 26

OPERATING CASH FLOW(Y) Highest at USD 1,357 MM
ROCE(HY) Highest at 1.08%
GROSS NPA (%)(Q) Lowest at 0.46%

With ROA of 0.87%, it has a attractive valuation with a 1.14 Price to Book Value

The stock is trading at a discount compared to its peers' average historical valuations
Over the past year, while the stock has generated a return of 31.50%, its profits have risen by 14.3% ; the PEG ratio of the company is 0.6

High Institutional Holdings at 83.63%

These investors have better capability and resources to analyse fundamentals of companies than most retail investors.

Consistent Returns over the last 3 years

Along with generating 31.50% returns in the last 1 year, the stock has outperformed S&P 500 in each of the last 3 annual periods

Real-Time Research Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Zions Bancorporation, NA should be less than 10%
Overall Portfolio exposure to Major Banks should be less than 30%

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Major Banks)

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Zions Bancorporation, NA for you?

Medium Risk, High Return

Absolute

Risk Adjusted

Volatility

Zions Bancorporation, NA

31.5%

1.83

31.22%

S&P 500

22.99%

1.78

12.93%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

12.16%

EBIT Growth (5y)

9.22%

EBIT to Interest (avg)

Debt to EBITDA (avg)

Net Debt to Equity (avg)

Sales to Capital Employed (avg)

Tax Ratio

Dividend Payout Ratio

29.30%

Pledged Shares

Institutional Holding

83.63%

ROCE (avg)

ROE (avg)

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.14

EV to EBIT

7.02

EV to EBITDA

6.33

EV to Capital Employed

1.16

EV to Sales

1.76

PEG Ratio

0.64

Dividend Yield

3.22%

ROCE (Latest)

16.48%

ROE (Latest)

12.37%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bearish

Bullish

RSI

No Signal

Bollinger Bands

Bullish

Moving Averages

Bullish (Daily)

KST

Mildly Bearish

Dow Theory

No Trend

Mildly Bearish

OBV

No Trend

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

8What is working for the Company

OPERATING CASH FLOW(Y)

Highest at USD 1,357 MM

ROCE(HY)

Highest at 1.08%

GROSS NPA (%)

DIVIDEND PER SHARE(HY)

Highest at USD 0

-4What is not working for the Company

ROCE(HY)

Lowest at 1.08%

DIVIDEND PAYOUT RATIO(Y)

Lowest at 28.89%

NET SALES(Q)

Lowest at USD 1,008 MM

Here's what is working for Zions Bancorporation, NA

Operating Cash Flow

Highest at USD 1,357 MM and Grown

In each year in the last three years

MOJO Watch

The company has generated higher cash revenues from business operations

Operating Cash Flows (USD MM)

Non Performing Loans (%)

Lowest at 0.46%

in the last four Semi-Annual periods

MOJO Watch

Proportion of stressed loans given by the bank are falling

Non Performing Loans (%)

Dividend per share

Highest at USD 0

in the last five years

MOJO Watch

Company is distributing higher dividend from profits generated

DPS (USD)

CASA

Highest at 11.7%

in the last five periods

MOJO Watch

The Bank's capital base vs its risk assets is improving. However, the bank may not be taking adequate risk in its lending book.

CAR (%)

Here's what is not working for Zions Bancorporation, NA

Net Sales

Lowest at USD 1,008 MM

in the last five periods

MOJO Watch

Near term sales trend is negative

Net Sales (USD MM)

Dividend Payout Ratio

Lowest at 28.89%

in the last five years

MOJO Watch

Company is distributing lower proportion of profits generated as dividend

DPR (%)