कंपनी का अवलोकन
Zions Bancorporation, National Association (ZIONP) operates as a regional banking entity providing a comprehensive suite of banking products and related services, with a primary geographic footprint spanning Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The institution functions within the Financial Services sector, specifically categorized under the Banks - Regional industry, which typically serves local communities and smaller business segments rather than large multinational corporations. Despite the "N/A" designation for its market capitalization in available data, the company demonstrates significant operational scale with an annual revenue of $3.31 billion and an employed workforce of 9,195 individuals. The absence of a disclosed market cap figure combined with a revenue stream of $3.31 billion suggests that valuation metrics based on total market value are either not publicly reported in this specific dataset or the company operates with a structure that prioritizes regional asset management over broad public equity weighting. This operational scale, supported by nearly 9,200 employees across ten states, indicates a substantial physical and digital infrastructure dedicated to managing deposits, issuing loans, and delivering financial services to a diverse regional client base.
वित्तीय स्वास्थ्य
Zions Bancorporation reported a trailing twelve-month revenue of $3.31 billion, with a corresponding net income of $884.00 million, while EBITDA data is not available in the current reporting cycle. The substantial gap between the $3.31 billion in revenue and the $884.00 million in net income reveals a cost structure where operating expenses, including cost of goods sold and administrative costs, consume approximately 72.9% of total revenue before arriving at the bottom line. The company reports N/A for free cash flow, which implies that either cash flow from operations is not explicitly separated from investing activities in this dataset or the metric is not disclosed, limiting the immediate assessment of liquidity generation from core operations. An analysis of the three available margins shows a Gross Margin of 0.0%, which is characteristic of the banking industry where interest income and expense are netted, an Operating Margin of 38.8%, and a Profit Margin of 27.1%. The 38.8% operating margin indicates efficient management of internal costs relative to revenue, while the 27.1% profit margin reflects the final profitability after all expenses, taxes, and interest are accounted for. In terms of balance sheet leverage, the company holds $4.73 billion in cash against $5.09 billion in debt, resulting in a Debt to Equity ratio that is listed as N/A, suggesting a conservative approach where cash reserves nearly offset total debt obligations. Furthermore, the Current Ratio is listed as N/A, preventing a direct calculation of short-term liquidity coverage using this specific metric, though the cash position suggests a strong ability to meet immediate obligations. The Return on Equity stands at 13.5%, demonstrating that management is generating significant returns on shareholder capital, while the Return on Assets is 1.0%, indicating the overall efficiency of asset utilization across the entire bank portfolio.
मूल्यांकन आकलन
The valuation metrics for Zions Bancorporation include a Trailing Twelve Months P/E Ratio of 3.08, while the Forward P/E is listed as N/A. The absence of a Forward P/E value compared to the low trailing P/E suggests that future earnings expectations are either not projected in the current data or the company maintains a stable earnings profile that does not warrant a separate forward multiple in this specific reporting instance. The Price to Book ratio is recorded at 0.39, which indicates that the market is valuing the company at significantly less than its book value, suggesting a potential undervaluation relative to the tangible assets held by the institution. Alternative valuation metrics such as Price to Sales and EV/EBITDA are both listed as N/A, meaning investors must rely on the P/E and Price to Book ratios to gauge relative value against peers in the regional banking sector. The stock has traded between a 52-week low of $18.90 and a 52-week high of $24.40, and without a specific current price in the provided facts, the range itself highlights the volatility experienced over the past year. The Beta value of 0.80 indicates that the stock's price volatility is lower than the broader market, suggesting it moves with less intensity than the overall market index during periods of fluctuation.
Growth & Income
Zions Bancorporation has demonstrated robust expansion with a Revenue Growth year-over-year of 13.6% and an Earnings Growth year-over-year of 31.4%. The earnings growth rate of 31.4% is significantly faster than the revenue growth rate of 13.6%, which implies that the company is improving its operational efficiency, reducing costs, or leveraging pricing power to enhance profitability without a proportional increase in top-line sales. As a dividend payer, the company offers a Dividend Yield of 6.5%, while the Payout Ratio is listed as N/A. Although the specific payout percentage cannot be calculated from the provided data, the high yield combined with strong earnings growth suggests that the dividend coverage is likely adequate, provided the earnings growth sustains the ability to maintain current payouts. Since the Payout Ratio is not disclosed, the sustainability of the 6.5% yield depends on the company's ability to continue growing earnings at the current pace of 31.4% to support the fixed dividend obligation. Overall, the growth and income profile presents a combination of high dividend yield and accelerating earnings growth, offering investors exposure to a regional bank that is expanding its profitability faster than its revenue base.