Zions Bancorporation, National Association cash flow to debt ratio of 25.37% indicates that the company generates enough cash to cover its debts. This level indicates strong financial health.

Zions Bancorporation, National Association's free cash flow has decreased 6.66% from $1.05B last year to $981.00M, signaling decreasing performance

Zions Bancorporation, National Association's debt to equity ratio is 0.41, which means that the company's assets are healthy financed, signaling financial stability.

Zions Bancorporation, National Association's debt has decreased relative to shareholder equity from 0.71 last year to 0.41 today, signaling strengthened financials

Zions Bancorporation, National Association has a net cash position, so leverage is healthy.

Zions Bancorporation, National Association earns at least as much interest as it pays. Interest obligations are fully covered.

Zions Bancorporation, National Association's profit margin has increased (44.36%) in the last year from 15.70% to 22.67%, signaling increasing performance

Zions Bancorporation, National Association's short-term liabilities of $78.52B exceed its short-term assets of $12.18B, signaling financial risk

Zions Bancorporation, National Association's return on assets of 1.32% is lower than the 5.00% threshold, indicating inefficient asset utilization

Zions Bancorporation, National Association's return on equity of 16.14%, is higher than 15.00%, indicating good performance

Zions Bancorporation, National Association's operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Zions Bancorporation, National Association had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Zions Bancorporation, National Association has positive free cash flow, indicating the company generates cash after capital expenditures

Zions Bancorporation, National Association has a free cash flow yield of 9.52%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Zions Bancorporation, National Association's yearly earnings has increased 14.67% since last year from $784.00M to $899.00M, signaling increasing performance

Zions Bancorporation, National Association's yearly revenue has decreased 0.98% since last year from $4.99B to $4.94B, signaling decreasing performance

ROIC 9.42% (Source: FMP key-metrics). In the 5–10% partial-credit band. Score: 1 of 2. This band sits within the typical US weighted-average cost of capital range. Methodology choice can change the conclusion: under FMP's invested-capital definition the company is at or near its cost of capital; under narrower operating-capital definitions the same company may score higher. Invested capital here includes equity, non-current liabilities, and short-term debt. Cash is not subtracted. See methodology.

Zions Bancorporation, National Association's 3-year revenue CAGR of 14.00% is positive, indicating growing revenue over the past 3 years

Zions Bancorporation, National Association had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Zions Bancorporation, National Association had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Zions Bancorporation, National Association is undervalued relative to its fair value price of 107.88 based on Discounted Cash Flow model

Zions Bancorporation, National Association has an earnings yield of 11.35%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Zions Bancorporation, National Association is overvalued relative to its fair value price of 51.25 based on EBITDA multiple model

Zions Bancorporation, National Association has an EV/EBITDA ratio of 1.91x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Zions Bancorporation, National Association is undervalued relative to its fair value price of 151.55 based on Earnings Fair Value model

Zions Bancorporation, National Association has a PEG-ratio under 1 which is considered undervalued

Zions Bancorporation, National Association has a price-to-book ratio of 1.34x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Zions Bancorporation, National Association has a price-to-sales ratio of 2.00x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue