Central Bancompany (CBC) vs Zions Bancorporation, N.A. (ZION)

Central Bancompany and Zions Bancorporation, N.A. are both Banks Regional companies. Zions Bancorporation, N.A. is the larger, with a market value of $9.2B against $8.0B — 1.2× the size. Zions Bancorporation, N.A. trades at the lower P/E: 8.1× against 18.4×. Central Bancompany has the higher net margin (33.4% vs 22.6%) and the lower return on invested capital (14.8% vs 15.7%). Both pay a dividend; Zions Bancorporation, N.A. yields more (2.89% vs 1.09%). Across the 16 metrics below, Zions Bancorporation, N.A. leads on 10 and Central Bancompany on 6.

Valuation

Metric CBC ZION Banks Regional median
P/E 18.40 8.08 11.98
P/S 6.29 1.79 2.34
P/B 2.07 1.22 1.19
Price to free cash flow 16.47 5.52 10.63
EV/EBITDA — — —
EV/Sales — — —
Earnings yield 5.43% 12.38% 8.23%
Free cash flow yield 6.07% 18.13% 9.08%

Profitability

Metric CBC ZION Banks Regional median
Gross margin 88.37% 72.39% 69.55%
Operating margin 0.00% 0.00% 0.00%
Net margin 33.37% 22.60% 18.66%
Free cash flow margin 38.21% 32.53% 21.11%
Return on equity 0.00% 16.50% 10.65%
Return on assets 4.18% 1.31% 1.13%
Return on invested capital 14.75% 15.66% 8.35%

Growth

Metric CBC ZION Banks Regional median
Revenue growth (TTM) — 3.88% 6.98%
EPS growth (last fiscal year) 26.24% 21.41% 18.88%
Revenue growth, 5-year CAGR — 10.93% 12.38%
Net income growth, 5-year CAGR — 12.13% 9.71%

Health

Metric CBC ZION Banks Regional median
Debt to equity 0.00 0.25 0.22
Current ratio 0.76 0.84 0.94
Net debt to EBITDA 0.00 0.00 0.00

Dividend

Metric CBC ZION Banks Regional median
Dividend yield 1.09% 2.89% 2.57%
Payout ratio 0.20 0.23 0.30

Size

Metric CBC ZION Banks Regional median
Market cap 7.96b 9.20b 913.33m

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