Industrial and Commercial Bank of China (OTCMKTS:IDCBY) vs. Zions Bancorporation, National Association (NASDAQ:ZION) Financial Analysis


Zions Bancorporation, National Association (NASDAQ: ZIONGet a rating) and the Industrial and Commercial Bank of China (OTCMKTS: IDCBYGet a rating) are both finance companies, but which stock is superior? We will compare the two companies based on their risk strength, institutional ownership, dividends, profitability, analyst recommendations, earnings and valuation.

Analyst Recommendations

This is a breakdown of current ratings from Zions Bancorporation, National Association, and Industrial and Commercial Bank of China, provided by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Zions Bancorporation, National Association 1 8 6 1 2.44
Industrial and Commercial Bank of China 1 0 0 0 1.00

Zions Bancorporation, National Association currently has a consensus target price of $71.31, indicating a potential upside of 17.41%. Given Zions Bancorporation, National Association’s stronger consensus rating and possible higher upside, equity research analysts clearly believe that Zions Bancorporation, National Association is more favorable than Industrial and Commercial Bank of China.

Valuation and benefits

This table compares the gross revenue, earnings per share (EPS), and valuation of Zions Bancorporation, National Association, and Industrial and Commercial Bank of China.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Zions Bancorporation, National Association $2.97 billion 3.11 $1.13 billion $6.77 8.97
Industrial and Commercial Bank of China $206.52 billion 1.02 $53.99 billion $2.94 4.04

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

Profitability

This table compares the net margins, return on equity, and return on assets of Zions Bancorporation, National Association, and Industrial and Commercial Bank of China.

Net margins Return on equity return on assets
Zions Bancorporation, National Association 38.01% 15.40% 1.28%
Industrial and Commercial Bank of China 26.38% 11.39% 1.00%

Dividends

Zions Bancorporation, National Association pays an annual dividend of $1.52 per share and has a dividend yield of 2.5%. The Industrial and Commercial Bank of China pays an annual dividend of $0.69 per share and has a dividend yield of 5.8%. Zions Bancorporation, National Association pays 22.5% of its profits as a dividend. The Industrial and Commercial Bank of China pays out 23.5% 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. Zions Bancorporation, National Association has increased its dividend for 5 consecutive years.

Institutional and insider ownership

82.1% of the shares of Zions Bancorporation, National Association are held by institutional investors. 1.8% of the shares of Zions Bancorporation, National Association are held by insiders of the company. Strong institutional ownership indicates that hedge funds, large money managers, and endowments believe a company is poised for long-term growth.

Volatility and risk

Zions Bancorporation, National Association has a beta of 1.27, suggesting that its stock price is 27% more volatile than the S&P 500. By comparison, Industrial and Commercial Bank of China has a beta of 0.31, which suggests its stock price is 69% less volatile. than the S&P 500.

Summary

Zions Bancorporation, National Association beats Industrial and Commercial Bank of China on 15 out of 18 factors compared between the two stocks.

Zions Bancorporation, National Association Corporate Profile (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.

Industrial and Commercial Bank of China Company Profile (Get a rating)

Industrial and Commercial Bank of China Limited, together with its subsidiaries, provides banking products and services in the People’s Republic of China and overseas. It operates through Corporate Banking, Personal Banking and Treasury Operations segments. The Corporate Banking segment offers financial products and services to businesses, government agencies and financial institutions. Its products and services include corporate lending, trade finance, depository business, corporate wealth management services, custody business, various business intermediation services, and others. The Personal Banking segment provides financial products and services to individuals. Products and services in this segment include retail credit and cards, deposits, retail wealth management, retail intermediation services, etc. derived positions. The Company also offers online banking services, including internet, telephone and mobile banking; and investment banking, fund and financial asset management, trust, leasing, brokerage, margining and securities trading, insurance and other financial services. It manages 16,653 establishments, including 16,227 national establishments and 426 foreign establishments. Industrial and Commercial Bank of China Limited was founded in 1984 and is headquartered in Beijing, People’s Republic of China.



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