Zions Bancorporation NA (NASDAQ:ZION) and Pacific Valley Bank (OTCMKTS:PVBK) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their valuation, earnings, profitability, risk, institutional ownership, analyst recommendations and dividends.

Analyst Ratings

This is a summary of current ratings for Zions Bancorporation NA and Pacific Valley Bank, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Zions Bancorporation NA 0 7 10 0 2.59
Pacific Valley Bank 0 0 0 0 N/A

Zions Bancorporation NA currently has a consensus price target of $55.94, indicating a potential upside of 17.39%. Given Zions Bancorporation NA’s higher probable upside, research analysts plainly believe Zions Bancorporation NA is more favorable than Pacific Valley Bank.

Valuation and Earnings

This table compares Zions Bancorporation NA and Pacific Valley Bank’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Zions Bancorporation NA $3.03 billion 3.02 $884.00 million $4.08 11.68
Pacific Valley Bank $13.29 million N/A $2.46 million N/A N/A

Zions Bancorporation NA has higher revenue and earnings than Pacific Valley Bank.

Institutional & Insider Ownership

91.6% of Zions Bancorporation NA shares are held by institutional investors. 1.6% of Zions Bancorporation NA shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Dividends

Zions Bancorporation NA pays an annual dividend of $1.20 per share and has a dividend yield of 2.5%. Pacific Valley Bank does not pay a dividend. Zions Bancorporation NA pays out 29.4% of its earnings in the form of a dividend. Zions Bancorporation NA has increased its dividend for 6 consecutive years.

Profitability

This table compares Zions Bancorporation NA and Pacific Valley Bank’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Zions Bancorporation NA 29.14% 12.57% 1.32%
Pacific Valley Bank N/A N/A N/A

Risk & Volatility

Zions Bancorporation NA has a beta of 1.48, indicating that its share price is 48% more volatile than the S&P 500. Comparatively, Pacific Valley Bank has a beta of 0.28, indicating that its share price is 72% less volatile than the S&P 500.

Summary

Zions Bancorporation NA beats Pacific Valley Bank on 12 of the 13 factors compared between the two stocks.

Zions Bancorporation NA Company Profile

Zions Bancorporation, National Association provides various banking and related services primarily in Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. The company offers community banking services, such as small and medium-sized business and corporate banking; commercial and residential development, construction, and term lending; retail banking; treasury cash management and related products and services; residential mortgage servicing and lending services; trust and wealth management services; capital markets services, including municipal finance advisory and underwriting; and investment services. It also offers personal banking services to individuals, including home mortgages, bankcards, other installment loans, home equity lines of credit, checking accounts, savings accounts, certificates of deposit of various types and maturities, trust services, safe deposit facilities, and Internet and mobile banking services. In addition, the company provides self-directed brokerage services; small business administration lending and secondary market agricultural real estate mortgage loans; corporate trust services for municipalities; and bond transfer, stock transfer, and escrow services. As of December 31, 2018, it operated 433 branches. 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.

Pacific Valley Bank Company Profile

Pacific Valley Bank provides personal and business banking products and services in the United States. The company offers checking, savings, money market, and individual retirement accounts, as well as certificates of deposit. It also provides business and consumer loans; debit cards; and online and mobile banking, bill pay, remote deposit capture, and bank to bank transfer services, as well as e-statements and order checks. The company was founded in 2004 and is based in Salinas, California.

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