•
Sep 30, 2021

Zions Q3 2021 Earnings Report

Reported net earnings of $234 million and diluted EPS of $1.45.

Key Takeaways

Zions Bancorporation reported a solid third quarter with net earnings of $234 million and diluted EPS of $1.45. The company saw stable net interest income, strong deposit growth, and positive credit outcomes. Loan growth, excluding PPP loans, was encouraging.

Net interest income remained stable at $555 million.

Loans and leases were $50.7 billion, down $4.1 billion, or 7%; excluding PPP, loans and leases were $47.6 billion, down $0.3 billion, or 1%.

Deposits were $77.9 billion, up $10.8 billion, or 16%.

Common stock repurchases of $325 million, 5.8 million shares, or 3.6% of shares outstanding as of June 30, 2021.

Total Revenue
$694M
Previous year: $712M
-2.5%
EPS
$1.45
Previous year: $1.01
+43.6%
Average Deposits
$77.4B
Previous year: $66.5B
+16.4%
Gross Profit
$694M
Previous year: $712M
-2.5%
Cash and Equivalents
$597M
Previous year: $576M
+3.6%
Free Cash Flow
$111M
Previous year: $109M
+1.8%
Total Assets
$88.3B
Previous year: $78.4B
+12.7%

Zions

Zions

Forward Guidance

Zions Bancorporation is optimistic about continued economic growth over the next several quarters, despite lingering supply chain issues and a tight labor market. Consumers and most businesses are emerging from the pandemic in relatively strong condition, thanks to government stimulus.