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Sep 30, 2023

Zions Q3 2023 Earnings Report

Zions Bancorporation reported net earnings of $168 million and diluted EPS of $1.13 for Q3 2023.

Key Takeaways

Zions Bancorporation reported a net income of $168 million and diluted EPS of $1.13 for the third quarter of 2023. The net interest margin was 2.93%, and the estimated CET1 capital ratio was 10.2%. Customer deposits increased by 5% over the past three months.

Net interest income was $585 million, down 12%.

Net interest margin was 2.93%, compared to 3.24% in the prior year.

Loans and leases were $56.9 billion, up 6%.

Total deposits were $75.4 billion, down 1% from prior year quarter, while customer deposits increased 5% from the second quarter of 2023.

Total Revenue
$765M
Previous year: $828M
-7.6%
EPS
$1.13
Previous year: $1.4
-19.3%
Gross Profit
$765M
Previous year: $872M
-12.3%
Cash and Equivalents
$700M
Previous year: $549M
+27.5%
Free Cash Flow
$280M
Previous year: $120M
+133.3%
Total Assets
$87.3B
Previous year: $88.5B
-1.4%

Zions

Zions

Forward Guidance

No specific forward guidance was provided in the document.