Discounted Cash Flow
Zions Bancorporation, National Association /Ut/
—
—
Average annual growth rates
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
| Dividends | — | — | — |
Endpoint CAGR (better for long term trend)
| Metric | 10-Year | 5-Year | 3-Year |
|---|---|---|---|
| Sales | — | — | — |
| Free Cash Flow | — | — | — |
| Average (FCF & NI) | — | — | — |
| Net Income | — | — | — |
Projected growth rate
—
—
%
%
Historical inputs (10 fiscal years)
| YEAR | Sales | Net Income | Free Cash Flow | Net Margin | EPS (diluted) |
|---|---|---|---|---|---|
| 2016 | $2.4b | $411.3m | $400.4m | 17.3% | $2.00 |
| 2017 | $2.6b (9.5%) | $550.0m (33.7%) | $759.0m (89.6%) | 21.1% (22.1%) | $2.71 (35.5%) |
| 2018 | $2.8b (6.6%) | $850.0m (54.5%) | $1.0b (37.9%) | 30.6% (44.9%) | $4.36 (60.9%) |
| 2019 | $2.8b (1.9%) | $782.0m (-8.0%) | $580.0m (-44.6%) | 27.6% (-9.7%) | $4.41 (1.1%) |
| 2020 | $2.8b (-1.6%) | $539.0m (-31.1%) | $548.0m (-5.5%) | 19.3% (-30.0%) | $3.06 (-30.6%) |
| 2021 | $2.9b (4.3%) | $1.1b (109.5%) | $423.0m (-22.8%) | 38.8% (100.8%) | $6.80 (122.2%) |
| 2022 | $3.2b (8.3%) | $907.0m (-19.7%) | $1.3b (202.6%) | 28.8% (-25.8%) | $5.80 (-14.7%) |
| 2023 | $3.1b (-1.2%) | $680.0m (-25.0%) | $772.0m (-39.7%) | 21.8% (-24.1%) | $4.35 (-25.0%) |
| 2024 | $3.1b (0.5%) | $784.0m (15.3%) | $1.1b (36.1%) | 25.0% (14.7%) | $4.95 (13.8%) |
| 2025 | $3.4b (8.1%) | $899.0m (14.7%) | $952.0m (-9.4%) | 26.6% (6.0%) | $6.01 (21.4%) |
Base FCF: — (latest fiscal year)
Discount rate: % —
Terminal growth: —
Projection period: — years
Alt A decline yrs:
Alt B total yrs:
Values abbreviated: b = billions, m = millions, k = thousands.
Projected cash flows
| Year | Projected cash flow | Discount Factor | Present Value |
|---|
PV of projected FCF: —
Terminal FCF: —
Terminal value: —
PV of terminal value: —
Enterprise value (DCF): —
Current price: —
—Alternative DCF Models
| Model | Fair Value | Upside | PV(FCFs) | PV(Terminal) | Total Years |
|---|---|---|---|---|---|
| Standard (10yr→TV) | — | — | — | — | 10 + TV |
| Alt A (Gradual Decline) | — | — | — | — | — |
| Alt B (30yr Hard Stop) | — | — | — | N/A | — |
This is a simplified DCF model for illustration. It uses reported free cash flow, a single growth assumption, fixed WACC, and a Gordon Growth terminal value. It is not investment advice.