ScoreComparison
Why is Zions Bancorporation, NA ?
1
High Profitability with a Net Interest Margin of 2.98%
2
Flat results in Jun 25
- OPERATING CASH FLOW(Y) Lowest at USD 909 MM
3
With ROA of 0.68%, it has a fair valuation with a 1.15 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 -13.77%, its profits have risen by 27.2% ; the PEG ratio of the company is 0.3
4
High Institutional Holdings at 85.69%
- These investors have better capability and resources to analyse fundamentals of companies than most retail investors.
5
Below par performance in long term as well as near term
- Along with generating -13.77% returns in the last 1 year, the stock has also underperformed S&P 500 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow 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
-5.99%
0.79
36.50%
S&P 500
13.22%
0.61
20.17%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
10.81%
EBIT Growth (5y)
10.71%
EBIT to Interest (avg)
0
Debt to EBITDA (avg)
0
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
33.52%
Pledged Shares
0
Institutional Holding
85.69%
ROCE (avg)
0
ROE (avg)
0
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
9
Industry P/E
Price to Book Value
1.15
EV to EBIT
7.49
EV to EBITDA
6.64
EV to Capital Employed
1.16
EV to Sales
1.61
PEG Ratio
0.33
Dividend Yield
3.46%
ROCE (Latest)
15.44%
ROE (Latest)
12.55%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bearish
Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bullish
Moving Averages
Mildly Bullish (Daily)
KST
Mildly Bearish
Mildly Bearish
Dow Theory
Mildly Bullish
No Trend
OBV
No Trend
Mildly Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend10What is working for the Company
NII(Q)
Highest at USD 660 MM
CASH AND EQV(HY)
Highest at USD 1,613 MM
DIVIDEND PER SHARE(HY)
Highest at USD 0
CREDIT DEPOSIT RATIO(HY)
Highest at 82.43%
OPERATING PROFIT(Q)
Highest at USD 298 MM
OPERATING PROFIT MARGIN(Q)
Highest at 28.03 %
PRE-TAX PROFIT(Q)
Highest at USD 312 MM
NET PROFIT(Q)
Highest at USD 241 MM
EPS(Q)
Highest at USD 1.63
-4What is not working for the Company
OPERATING CASH FLOW(Y)
Lowest at USD 909 MM
Here's what is working for Zions Bancorporation, NA
NII
Highest at USD 660 MM
in the last five periodsMOJO Watch
The bank's income from core business is increasing
NII (USD MM)
Operating Profit
Highest at USD 298 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (USD MM)
Operating Profit Margin
Highest at 28.03 %
in the last five periodsMOJO Watch
Company's profit margin has improved
Operating Profit to Sales
Pre-Tax Profit
Highest at USD 312 MM
in the last five periodsMOJO Watch
Near term Pre-Tax Profit trend is positive
Pre-Tax Profit (USD MM)
Net Profit
Highest at USD 241 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (USD MM)
EPS
Highest at USD 1.63
in the last five periodsMOJO Watch
Increasing profitability; company has created higher earnings for shareholders
EPS (USD)
Cash and Eqv
Highest at USD 1,613 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is improving
Cash and Cash Equivalents
Dividend per share
Highest at USD 0
in the last five yearsMOJO Watch
Company is distributing higher dividend from profits generated
DPS (USD)
Credit Deposit Ratio
Highest at 82.43%
in the last four Semi-Annual periodsMOJO Watch
Bank has been creating proportionately higher loans against its deposits, thereby creating higher revenue generating assets
Credit Deposit Ratio (%)
Here's what is not working for Zions Bancorporation, NA
Operating Cash Flow
Lowest at USD 909 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (USD MM)
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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