Market Price

28.11 

-0.18 -0.6%

as of Dec 07 '18

52 Week Range:

27.38 30.86


Stock Analyzer Tutorials

S2O Stock Analyzer - General Info

General Info


type: video (mp4); length: 3:30

Demonstrates how to use Stock Analyzer, shows how to analyze a stock and explains in detail "General Info" section of the Stock Analyzer result page.

S2O Stock Analyzer - Financial Statements

Financial Statements


type: video (mp4); length: 5:10

Explains information presented in the Financial Statements section of the S2O Stock Analyzer: financial statements charts, absolute values and growth rates.

S2O Stock Analyzer - Growth Grade and Financial Ratios

Growth Grade and Financial Ratios


type: video (mp4); length: 5:09

Demonstrates how to use Growth Grade & Financial Ratios section; shows the difference between historical and year-over-year Growth Grade on the real life example.

S2O Stock Analyzer - Value Price

Value Price


type: video (mp4); length: 6:03

Demonstrates how to use Value Price (intrinsic value) and the Graham Number, MOS (margin of safety) and IRT - Investment Recovery Time; explains 3 different projection models used to compute value price - pessimistic, moderate and optimistic.

S2O Stock Analyzer - Price Charts

Price Charts


type: video (mp4); length: 8:34

Demonstrates basic rules of how to read a candlestick chart, long and short term moving averages, stochastic, MACD and relative strength (RS) charts. Explains how bull or bear market condition is computed.

General Info

Zions Bancorporation, a financial holding company, provides a range of banking and related services primarily in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers community banking services, such as small and medium-sized business and corporate banking; commercial and residential development, construction, and term lending; retail banking; treasury cash management and related products and services; and residential mortgage servicing and lending. It also provides trust and wealth management services; capital markets services, including municipal finance advisory and underwriting; and investment services. In addition, the company offers personal banking services to individuals, including home mortgages, bankcards, other installment loans, home equity lines of credit, checking accounts, savings accounts, certificates of deposit of various types and maturities, trust services, safe deposit facilities, and Internet and mobile banking services. Further, it provides self-directed brokerage services; and small business administration lending and secondary market agricultural real estate mortgage loans; and bond transfer, stock transfer, and escrow services for corporate customers. As of December 31, 2017, the company operated 433 domestic branches. Zions Bancorporation was founded in 1873 and is headquartered in Salt Lake City, Utah.

Financial Statements

The charts below show selected Annual and Quarterly Financial Data.

The purpose of these charts is to discover long and short term change dynamics. When numbers are growing year after year in the annual statements chart, the business become stronger and stronger and this is a good sign.

Quarterly Data Chart can be used to do a short term analysis. It makes sense to pay attention to the quarterly dynamics and do not wait for the next yearly statement. We should be alerted if we see that quarterly numbers are going down.

You can check "Annual Financial Statements" and "Quarterly Financial Statements" sections for exact numbers and growth rates.

Annual Statements

On a charts below the Line shows absolute values and the Bar chart shows Year-Over-Year Growth Rate for selected financial statement item. A consistent GROWTH is generally considered necessary to fund future growth from within a business.
NOTE: Growth Rate is not provided if either the latest period or the year-ago period contains a net loss. (source: WSJ Digest of Earnings)
TIP! move your mouse pointer over bar or a circle on any chart below to see details.

Financial Statements

Income Statement



 

Cash Flow Statement



 

Balance Sheet



 

Liquidity Ratios

Current Ratio


 

Current Ratio measures the ability to meet short term obligations. Generally accepted standard is 2 (current assets should be 2 times or 200% of current liabilities).

Quick Ratio


 

Measures immediate liquidity or the cash available to cover immediate liabilities. A safe margin would be at least 1 (100%).

Financial Leverage


 

Defined as total assets divided by total shareholders' equity. The higher the ratio, the more debt a company uses in its capital structure.

Profitability Ratios

ROA


 

Return on Assets (ROA) measures the income (profit) that is generated by the use of the assets of the business.

ROE


 

Return on Equity (ROE) is a measure of profitability that calculates how many dollars of profit a company generates with each dollar of shareholders equity. ROE is sometimes called "return on net worth."

ROIC


 

The Return on Invested Capital (ROIC) measure gives a sense of how well a company is using its money to generate returns. Some investors use this figure as a final evaluation to determine whether or not to invest in a company.

Annual Statements

Item Name Dec '04 Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14
Equity (BVPS) 31.12
28.52
43.51
47.17
42.65
27.85
25.12
24.80
26.73
28.85
31.12
growth rate -8.4% 52.6% 8.4% -9.6% -34.7% -9.8% -1.3% 7.8% 7.9% 7.9%
Earnings BIT 624.39
741.89
912.92
737.50
-314.70
-1,620.00
-403.17
521.27
541.57
406.43
growth rate 18.8% 23.1% -19.2% -100.0% 0.0% 0.0% 100.0% 3.9% -25.0%
Avg.PE 15.22
14.64
15.38
10.57
-14.40
-1.40
-8.70
19.38
21.93
18.80
16.27
growth rate -3.8% 5.1% -31.3% -100.0% 0.0% 0.0% 100.0% 13.2% -14.3% -13.5%
ROA 1.35
1.29
1.29
0.96
-0.54
-2.32
-0.81
0.29
0.33
0.53
0.58
growth rate -4.4% 0.0% -25.6% -100.0% 0.0% 0.0% 100.0% 13.8% 60.6% 9.4%
ROE 15.23
13.66
12.90
9.78
-5.83
-27.10
-9.39
3.33
3.75
5.66
5.52
growth rate -10.3% -5.6% -24.2% -100.0% 0.0% 0.0% 100.0% 12.6% 50.9% -2.5%
ROIC 12.90
13.83
16.71
14.45
5.54
-9.65
0.35
6.32
5.41
6.04
5.76
growth rate 7.2% 20.8% -13.5% -61.7% -100.0% 100.0% 1,705.7% -14.4% 11.7% -4.6%
Leverage 11.28
10.10
9.89
10.48
11.20
12.20
11.11
11.53
11.27
10.26
8.99
growth rate -10.5% -2.1% 6.0% 6.9% 8.9% -8.9% 3.8% -2.3% -9.0% -12.4%
Balance Sheet Dec '04 Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14
Total Assets 55,092.80
51,123.00
51,034.90
53,149.11
55,511.92
56,031.13
57,208.87
growth rate -7.2% -0.2% 4.1% 4.5% 0.9% 2.1%
Cash 3,808.70
2,023.20
5,500.10
12,426.28
14,472.75
13,957.81
13,968.43
growth rate -46.9% 171.9% 125.9% 16.5% -3.6% 0.1%
Liabilities 48,591.10
45,430.30
44,386.60
46,163.80
49,459.85
49,566.56
49,839.34
growth rate -6.5% -2.3% 4.0% 7.1% 0.2% 0.6%
LT Debt 1,690.00
2,510.00
2,360.00
2,460.00
2,008.00
2,009.00
2,010.00
2,011.00
2,012.00
2,013.00
growth rate 48.5% -6.0% 4.2% -18.4% 0.1% 0.1% 0.1% 0.1% 0.1%
Equity 4,237.26
4,987.02
5,292.80
6,501.70
5,692.70
6,648.30
6,985.31
6,052.07
6,464.56
7,369.53
growth rate 17.7% 6.1% 22.8% -12.4% 16.8% 5.1% -13.4% 6.8% 14.0%
Common Shares 91.00
93.00
108.00
109.00
109.00
124.00
166.00
183.00
183.00
184.00
193.00
growth rate 2.2% 16.1% 0.9% 0.0% 13.8% 33.9% 10.2% 0.0% 0.6% 4.9%
Cash Flow Statement Dec '04 Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14
Capital Expenditures 72.29
68.00
122.43
103.22
102.00
-218.10
79.10
77.67
68.89
88.58
175.80
growth rate -5.9% 80.0% -15.7% -1.2% -100.0% 100.0% -1.8% -11.3% 28.6% 98.5%
Cash Dividends 114.60
130.30
160.82
195.65
195.70
96.30
109.30
156.14
133.58
119.66
96.13
growth rate 13.7% 23.4% 21.7% 0.0% -50.8% 13.5% 42.9% -14.5% -10.4% -19.7%
Cash From OA 662.37
754.19
1,039.28
732.90
1,173.90
1,058.50
1,471.60
1,068.75
736.20
840.27
454.11
growth rate 13.9% 37.8% -29.5% 60.2% -9.8% 39.0% -27.4% -31.1% 14.1% -46.0%
FCF per Share 1.72
4.80
8.71
5.91
9.82
7.67
8.32
5.94
3.80
4.74
1.53
growth rate 179.1% 81.5% -32.2% 66.2% -21.9% 8.5% -28.6% -36.0% 24.7% -67.7%
Sale Purchase of Stock 25.69
-1,399.26
-5.33
526.44
growth rate -100.0% 0.0% 100.0%
FCF 156.00
686.00
928.00
642.00
1,072.00
955.00
1,382.00
1,019.00
697.00
788.00
278.00
growth rate 339.7% 35.3% -30.8% 67.0% -10.9% 44.7% -26.3% -31.6% 13.1% -64.7%
Income Statement Dec '04 Dec '05 Dec '06 Dec '07 Dec '08 Dec '09 Dec '10 Dec '11 Dec '12 Dec '13 Dec '14
Sales 1,590.00
1,800.00
2,320.00
2,290.00
2,162.30
2,701.60
2,167.90
2,686.77
2,458.59
2,278.81
2,361.63
growth rate 13.2% 28.9% -1.3% -5.6% 24.9% -19.8% 23.9% -8.5% -7.3% 3.6%
Op.Income 39.10
-986.80
-403.20
323.80
349.52
263.79
398.46
growth rate -100.0% 0.0% 100.0% 7.9% -24.5% 51.1%
IBT -314.70
-1,623.02
-403.17
521.27
541.57
406.43
621.42
growth rate 0.0% 0.0% 100.0% 3.9% -25.0% 52.9%
Net Income -266.30
-1,216.10
-292.70
323.80
349.52
263.79
398.46
growth rate 0.0% 0.0% 100.0% 7.9% -24.5% 51.1%
EPS 4.47
5.16
5.36
4.42
-2.67
-9.92
-2.48
0.83
0.97
1.58
1.68
growth rate 15.4% 3.9% -17.5% -100.0% 0.0% 0.0% 100.0% 16.9% 62.9% 6.3%

Quarterly Statements

Item Name Jun '15 Sep '15 Dec '15 Mar '16 Jun '16
Earnings BIT 160.09
159.77
142.10
184.41
growth rate -0.2% -11.1% 29.8%
Balance Sheet Jun '15 Sep '15 Dec '15 Mar '16 Jun '16
Acct.Payable 0.00 0.00 0.00 0.00
growth rate
Cur.Assets 0.00 0.00 0.00 0.00
growth rate
Total Assets 58,365.46
58,410.93
59,669.53
59,179.91
59,642.99
growth rate 0.1% 2.2% -0.8% 0.8%
Cash 15,121.60
15,104.57
15,763.13
14,543.47
13,644.95
growth rate -0.1% 4.4% -7.7% -6.2%
Inventory 0.00 0.00 0.00 0.00
growth rate
Cur.Liabilities 0.00 0.00 0.00 0.00
growth rate
Liabilities 50,835.28
50,772.83
52,162.01
51,554.18
52,016.61
growth rate -0.1% 2.7% -1.2% 0.9%
LT Debt 0.00 0.00 0.00 0.00
growth rate
Equity 7,530.18
7,638.10
7,507.52
7,625.74
7,626.38
growth rate 1.4% -1.7% 1.6% 0.0%
Common Shares
growth rate
Cash Flow Statement Jun '15 Sep '15 Dec '15 Mar '16 Jun '16
Capital Expenditures 33.84
38.75
51.25
40.02
51.86
growth rate 14.5% 32.3% -21.9% 29.6%
Cash Dividends 29.05
27.42
growth rate -5.6%
Cash From OA 85.03
212.52
148.80
222.76
11.80
growth rate 149.9% -30.0% 49.7% -94.7%
Sale Purchase of Stock 5.07
13.60
-172.91
0.54
-123.20
growth rate 168.2% -100.0% 100.0% -100.0%
FCF 51.20
173.78
97.55
182.75
-40.06
growth rate 239.4% -43.9% 87.3% -100.0%
Income Statement Jun '15 Sep '15 Dec '15 Mar '16 Jun '16
Sales 455.66
596.63
597.62
591.66
612.67
growth rate 30.9% 0.2% -1.0% 3.6%
Op.Income 13.96
101.00
102.49
90.44
113.95
growth rate 623.5% 1.5% -11.8% 26.0%
IBT 19.46
141.78
growth rate 628.6%
Net Income 13.96
101.00
102.49
90.44
113.95
growth rate 623.5% 1.5% -11.8% 26.0%
EPS
growth rate
Gross Profit 0.00 0.00 0.00 0.00
growth rate
R&D 0.00 0.00 0.00 0.00
growth rate

Growth Grade & Financial Ratios

All financial ratios below are calculated based on latest annual statements available and present the most up to date snapshot of a company finances.

Growth Grade

Historical Growth Grade:

F (2.63)

YOY Growth Grade:

E (25.37)

Click on buttons above for detailed yearly growth rates.

Market Ratios

Profitability Ratios

Liquidity Ratios

Efficiency Ratios

Value Price

PE and EPS

Historical Current Forward
PE 9.44 9.12 13.51
EPS / Growth 26.1% 3.08 10.3%

Value Price & Investment Recovery Time

Read more about Stock2Own value price in Stock Market: Fundamental Analysis.

Equity Growth Rate: 5.8%

Estimates Pessimistic Moderate Optimistic My Numbers
Rate of Return 15.0%
MOS Price % 50 %
Future EPS Growth 5.8% 8.1% 8.1%
Future PE 9.44 13.02 13.02
Future EPS 5.42 6.69 6.69
Value Price
MOS %
12.66
-55.0%
21.53
-23.4%
21.53
-23.4%
MOS Price 6.33 10.77 10.77
IRT 7.18 6.69 6.69

Graham Number:

NOTE: The Graham Number applies only to certain types of stocks in combination with a number of other criteria.

Read more about Graham Number in Stock Market: Fundamental Analysis.

Price Chart

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.

Risk / Reward Ratios

The functionality you are trying to reach is available to registered users only.

Login to your account or Register Now if you are not registered yet. Registration is FREE and will take only a minute.