ZIONS BANCORPORATION, NATIONAL ASSOCIATION (ZION)

67.78USD -0.19% (-0.13)

Over 1M: -2.1%

Style
Area Line Line with markers Steps Candles Hollow candles Bars

Candles and bars need the day’s open, high and low, and need room to be drawn in: past about a year of trading a body is thinner than a hairline, so those three offer the longest window that fits instead.

68 70 72
31 Jul 5 Aug 10 Aug 13 Aug 18 Aug 21 Aug 26 Aug

Financials Quarterly

Figures
Revenue Gross Profit Operating Income Cost of Revenue Operating Cash Flow Free Cash Flow Net Income

A share count and earnings a share are not here: neither is money, so neither can share this axis. Both have their own panel on All charts.

All charts ›
Q2 '23 — Free Cash Flow: 576M Q3 '23 — Free Cash Flow: 280M Q1 '24 — Free Cash Flow: 231M Q2 '24 — Free Cash Flow: 234M Q3 '24 — Free Cash Flow: 97M Q4 '24 — Free Cash Flow: 489M Q1 '25 — Free Cash Flow: 152M Q2 '25 — Free Cash Flow: -93M Q3 '25 — Free Cash Flow: 413M Q4 '25 — Free Cash Flow: 480M Q1 '26 — Free Cash Flow: 398M Q2 '26 — Free Cash Flow: 389M 0 150M 300M 450M 600M
Q3 '23 Q2 '24 Q4 '24 Q2 '25 Q4 '25 Q2 '26
Gross Profit Operating Income Free Cash Flow

How it scores

For a valuation multiple, the low end is the good end.

Quality

How much of the revenue is really kept — and what did it take to earn it?

8.8
OE margin 303.9%
Accruals -0.71%
FCF margin 310.5%
OCF margin 332.9%
Profit margin 216.5%
ROE 15.2%
ROA 1.3%
Asset turnover 0.0061×
EBITDA margin —
Gross margin —
OCF / EBIT —
Oper. margin —
ROCE —
ROIC —

2 of 17 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Valuation

What does the price ask for what the company earns, owns and pays out?

10.0
EV/OE 6.9×
FCF yield 16.6%
P/E 8.6×
Div. yield 2.7%
P/B 1.3×
P/C 12.8×
EV/Sales 20.9×
EV/EBIT —
EV/GP —
Fwd P/E —
PEG —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Durability

How predictable is the revenue, and how much of it is already committed?

4.4
RPO / sales —
RPO growth —
Segment HHI —

2 of 7 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Resilience

Can the balance sheet absorb a bad year?

2.0
ND/EBITDA -0.1
Debt payback 0.69 yr
F-score 7.7 pts
Net debt / Eq 0.15×
Debt / Eq 0.25×
Payout 23.2%
Cash / Debt 0.41×
Cash runway —
Current ratio —
Interest cover —
Quick ratio —

1 of 12 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

Growth

Is the business getting bigger, and is it getting more profitable?

1.5
Sales/sh Y/Y +2.9%
Shares change -0.039%
EPS Y/Y +38.8%
Sales Q/Q +8.5%
Div. growth -7.6%
EPS CAGR 4Y -3.0%
EBIT CAGR —
EBIT Y/Y —
EPS next Y —

2 of 13 counted in the score. The rest are measures this model does not include here, or figures these filings do not carry — switch any of them on and the score changes.

A measure absent from a block could not be computed from this company's filings. It is left out rather than scored as though it were bad, and the dimension is averaged over what remains. A score is measured against a fixed scale this model states; the bar is measured against the other companies, so the two can disagree — and where they do, that disagreement is the more interesting figure.