Analysis of Zions Bancorporation, National Association (NASDAQ:ZION) and BOK Financial (NASDAQ:BOKF)


BOK Financial (NASDAQ: BOKFGet a rating) and Zions Bancorporation, National Association (NASDAQ: ZIONGet a rating) are both mid-cap finance companies, but which company is better? We’ll compare the two companies based on institutional ownership strength, dividends, analyst recommendations, profitability, earnings, valuation and risk.

Insider and Institutional Ownership

39.1% of BOK Financial shares are held by institutional investors. By comparison, 82.2% of the shares of Zions Bancorporation, National Association are held by institutional investors. 56.9% of BOK Financial shares are held by insiders. By comparison, 1.8% of the shares of Zions Bancorporation, National Association are held by insiders. Strong institutional ownership indicates that endowments, large fund managers, and hedge funds believe a stock will outperform the market over the long term.

Profitability

This table compares the net margins, return on equity and return on assets of BOK Financial and Zions Bancorporation, National Association.

Net margins Return on equity return on assets
BOK Financial 29.37% 10.19% 1.12%
Zions Bancorporation, National Association 34.40% 14.53% 1.12%

Analyst Recommendations

This is a summary of current BOK Financial and Zions Bancorporation, National Association ratings as provided by MarketBeat.com.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
BOK Financial 0 5 1 0 2.17
Zions Bancorporation, National Association 1 ten 6 0 2.29

BOK Financial currently has a consensus target price of $98.57, suggesting a potential upside of 31.43%. Zions Bancorporation, National Association has a consensus target price of $66.62, suggesting a potential upside of 30.96%. Considering BOK Financial’s possible higher upside, stock analysts clearly believe that BOK Financial is more favorable than Zions Bancorporation, National Association.

Volatility and risk

BOK Financial has a beta of 1.36, suggesting its stock price is 36% more volatile than the S&P 500. Comparatively, Zions Bancorporation, National Association has a beta of 1.29, suggesting its stock price of its stock is 29% more volatile than the S&P 500. .

Dividends

BOK Financial pays an annual dividend of $2.12 per share and has a dividend yield of 2.8%. Zions Bancorporation, National Association pays an annual dividend of $1.52 per share and has a dividend yield of 3.0%. BOK Financial pays 27.3% of its profits as a dividend. Zions Bancorporation, National Association pays 24.8% of its profits as a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings over the next few years. BOK Financial has increased its dividend for 17 consecutive years and Zions Bancorporation, National Association has increased its dividend for 5 consecutive years. Zions Bancorporation, National Association is clearly the best dividend-paying stock, given its higher yield and lower payout ratio.

Valuation and benefits

This table compares the revenue, earnings per share (EPS), and valuation of BOK Financial and Zions Bancorporation, National Association.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
BOK Financial $1.85 billion 2.76 $618.12 million $7.76 9.66
Zions Bancorporation, National Association $2.97 billion 2.59 $1.13 billion $6.14 8.29

Zions Bancorporation, National Association has higher revenue and profit than BOK Financial. Zions Bancorporation, National Association trades at a lower price-to-earnings ratio than BOK Financial, indicating that it is currently the more affordable of the two stocks.

Summary

Zions Bancorporation, National Association beats BOK Financial on 9 out of 16 factors compared between the two stocks.

About BOK Financial

(Get a rating)

BOK Financial Corporation operates as a financial holding company for BOKF, NA which provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management and commodity risk management products for small business, middle market and large commercial customers, as well as electronic funds transfer network TransFund. The Consumer Banking segment provides loan and deposit services to small businesses through a network of consumer branches; and engages in the origination and management of mortgage loans. The Wealth Management segment offers fiduciary, private banking, insurance and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through the trading of US government agency mortgage-backed securities and related derivative contracts, as well as the underwriting of securities of State and municipal. The Company also offers commercial loans, such as loans for working capital, acquisition or expansion of facilities, purchase of equipment and other needs of commercial customers; and services, healthcare, manufacturing, wholesale/retail, energy and other lending sectors. In addition, it offers commercial real estate loans for the construction of buildings or other improvements to real estate and property held by borrowers for investment purposes; and residential and personal mortgages. In addition, the Company provides automated teller machines (ATMs), call centers, and internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATMs. The company was founded in 1910 and is based in Tulsa, Oklahoma.

About Zions Bancorporation, National Association

(Get a rating)

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 business banking services; commercial banking, including small and medium enterprises; commercial real estate banking services; municipal and public finance departments; retail banking, including residential mortgages; fiduciary services; wealth management and personal banking services; and capital markets products and services. As of December 31, 2020, it operated 422 branches, including 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.



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