Zions Bancorporation, National Association

Zions Bancorporation, National Association

ZIONยทNASDAQ

$60.76

-1.1%
Financial ServicesBanks - Regional

Zions Bancorporation, National Association provides various banking and related services primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers corporate banking services; commercial banking, including a focus on small- and medium-sized businesses; commercial real estate banking services; municipal and public finance services; retail banking, including residential mortgages; trust services; wealth management and private client banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, which included 273 owned and 149 leased. The company was formerly known as ZB, National Association and changed its name to Zions Bancorporation, National Association in September 2018. Zions Bancorporation, National Association was founded in 1873 and is headquartered in Salt Lake City, Utah.

At a Glance

Live Snapshot
Market Cap$8.94B
EPS6.0800
P/E Ratio9.99
Earnings Date07/20/2026
Zions Bancorporation, National Association

Zions Bancorporation, National Association Fair Value Envelope

ZION ยท NASDAQ

Our analysis suggests that ZION has a fair value of HIDDEN per share in the Base Case projection. With shares currently trading at $60.76, this represents a potential HIDDEN relative to our calculated worth for Zions Bancorporation, National Association.

Intrinsic Value
Current Price: $60.76

Owner Earnings Valuation Tool

Warren Buffett's Owner Earnings DCF analysis for intrinsic value calculation

Historical Financial Data

Base year metrics used for projections

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Projection Settings

Forecast period and terminal assumptions

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DCF Valuation Summary

Calculation flow from present value to intrinsic value per share

Present Value$9.5B
+ Cash & Equivalents$2.9B
Firm Value$12.4B
- Debt$4.3B
Equity Value$8.1B
/ Shares Outstanding147,640,170B
DCF Value$55
OVERVALUED BY 10%

Owner Earnings Projections

Operating Cash Flow - Maintenance CapEx = Owner Earnings

Metric
Year 1
Year 2
Year 3
Year 4
Year 5
Year 6
Year 7
Year 8
Year 9
Year 10
Operating Cash Flow
$1.0B
$960.1M
$896.1M
$836.5M
$780.8M
$728.8M
$680.2M
$634.9M
$592.6M
$553.2M
Maintenance CapEx
-$22.6M
-$21.1M
-$19.7M
-$18.4M
-$17.1M
-$16.0M
-$14.9M
-$13.9M
-$13.0M
-$12.1M
Owner Earnings
$1.0B
$939.0M
$876.5M
$818.1M
$763.6M
$712.7M
$665.3M
$621.0M
$579.6M
$541.0M
Discount Factor
0.926
0.857
0.794
0.735
0.681
0.630
0.583
0.540
0.500
0.463
Present Value
$931.5M
$805.1M
$695.8M
$601.3M
$519.7M
$449.2M
$388.2M
$335.5M
$289.9M
$250.6M
Terminal Value represents 44.7% of Enterprise Value