Central Garden & Pet Company
0.88xPrice / tangible book
Market cap
$511.06M
Tangible equity
$580.93M
Price / tangible book
0.88x
Price / book
0.32x
Return on equity
10.3%
Return on assets
4.5%
Efficiency ratio
—
Compare price, profitability, solvency, and SEC-reported financials side by side—before deciding which assumptions deserve a closer look.
Decision snapshot: CENT stock price at premium vs ZION $41.73 current versus $29.44 implied using P/E multiple.
Quick read
Each company valued on the other's multiple, then compared with the market price.
Implied fair value · at ZION's multiple
Implied fair value · at CENT's multiple
Snapshot Sep 4, 4:00 PM ET
Metric by metric
Filter, sort, and scan the equity metrics that matter most for banks: book value, tangible book, returns, and operating efficiency.
Multiple discount
Multiple discount
Profitability lag
Asset efficiency edge
Lower is better
Statements
Bank-focused income statement and equity metrics aligned to the reporting windows.
SEC periods: CENT FY 2025 (ended Sep 27, 2025) · ZION FY 2025 (ended Dec 31, 2025). Fiscal years are not aligned.
Trendline
Five fiscal years of revenue, earnings, and margins before underwriting a re-rating.
Price framework
Tangible book and profitability anchor a bank, not enterprise value.
Deposits and cash-like balances distort enterprise value for banks, so this section reads equity value, tangible book and profitability instead.
Price / tangible book
Market cap
$511.06M
Tangible equity
$580.93M
Price / tangible book
0.88x
Price / book
0.32x
Return on equity
10.3%
Return on assets
4.5%
Efficiency ratio
—
Price / tangible book
Market cap
$10.13B
Tangible equity
$6.09B
Price / tangible book
1.66x
Price / book
1.41x
Return on equity
12.5%
Return on assets
1.0%
Efficiency ratio
43.3%
Price framework
The same filing-backed model used on each company's valuation page, with company-specific inputs and calculated scenarios.
Central Garden & Pet Company · implied price per share
Debt and bridge-cash inputs are required to translate enterprise value into equity value.
ZIONS BANCORPORATION, NATIONAL ASSOCIATION · implied price per share
Bank model off — standard DCF modelling is disabled for financial institutions.
Balance sheet health
Financial health checks to separate durable balance sheets from potential value traps.
Financial strength on a 0–9 scale.
Bankruptcy-risk signal from balance sheet and earnings power.
Not enough data to score either balance sheet.
Debt / equity
Total debt against shareholders' equity
0.75x
0.64x
Net debt / EBITDA
Leverage against operating earnings
0.86x
—
Cash and equivalents
Liquid reserves on the balance sheet
$882.49M
—
Total debt
Interest-bearing obligations outstanding
$1.19B
$4.58B
Comparable set
Where the pair sits against the wider banking comparable set.
Keep comparing
Open adjacent comparisons from the same industry to pressure-test the read across multiple pairs.
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CENT vs FCNCA
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