Core Viewpoint - Vectra Bank Colorado announces the retirement of President and CEO Bruce Alexander after 25 years, highlighting his significant contributions to the bank's growth and community involvement [1][4]. Company Overview - Vectra Bank Colorado has grown from $1 billion in assets to $4 billion under Bruce Alexander's leadership, demonstrating exceptional growth and resilience through various economic challenges [1][5]. - The bank operates 34 locations in Colorado and one in Farmington, New Mexico, focusing on small, middle-market, and corporate business clients [5]. Leadership Transition - Bruce Alexander will assist part-time during the transition to ensure a smooth handover to his successor, with Zions Bancorporation initiating the search for a new CEO [3][4]. - Alexander's legacy is expected to continue influencing the bank's direction and community engagement [4]. Community Involvement - Throughout his career, Alexander has been actively involved in community service and economic development, serving on various boards and commissions [2].

Core Viewpoint - Zions Bancorporation reported strong first-quarter 2025 adjusted earnings per share (EPS) of $1.24, exceeding expectations and showing a significant year-over-year increase of 29.2% [1] Financial Performance - The increase in earnings was primarily driven by higher net interest income (NII) and non-interest income, alongside an increase in loans [2] - Net revenues (tax equivalent) reached $795 million, a 7.1% increase year-over-year, although it fell short of the Zacks Consensus Estimate of $808.3 million [4] - NII was reported at $624 million, up 6.5%, attributed to lower funding costs and a favorable mix in average interest-earning assets, with a net interest margin (NIM) expanding by 16 basis points to 3.10% [4] - Non-interest income rose by 9.6% to $171 million, surpassing projections [5] - Adjusted non-interest expenses increased by 4.3% to $533 million, slightly below estimates, with an adjusted efficiency ratio of 66.6%, indicating improved profitability [5] Loan and Deposit Trends - As of March 31, 2025, net loans and leases held for investment were $59.2 billion, reflecting a 1% increase from the previous quarter, while total deposits decreased marginally to $76 billion [6] Credit Quality - The ratio of non-performing assets to loans and leases increased by 7 basis points year-over-year to 0.51%, with net loan and lease charge-offs rising to $16 million from $6 million in the prior-year quarter [7] - Provision for credit losses was $18 million, marking a 38.5% increase from the year-ago quarter [7] Capital and Profitability Ratios - The Tier 1 leverage ratio remained stable at 8.4%, while the common equity tier 1 capital ratio improved to 10.8% from 10.4% year-over-year [8] - The tier 1 risk-based capital ratio decreased to 10.9% from 11% in the prior-year quarter [8] - Return on average assets increased to 0.77% from 0.70%, while return on average tangible common equity slightly decreased to 13.4% from 13.7% [9] Future Outlook - The company’s rising loan demand and improving fee income, along with higher interest rates, are positive indicators for future performance, although increasing operating expenses and high funding costs present challenges [11]

Group 1 - Zions Bancorp reported first-quarter revenue of $795 million, missing analyst estimates of $797.07 million, and earnings of $1.13 per share, below the expected $1.17 per share [1][2] - The company's credit quality remained stable, with nonperforming assets at 0.51% of loans and leases and annualized net charge-offs at 0.11% [2] - The outlook for the economy is uncertain, influenced by potential negative impacts from tariffs and trade policy [2] Group 2 - Zions Bancorp shares fell 1.5% to close at $43.62 following the earnings announcement [3] - Analysts adjusted their price targets for Zions Bancorp, with Stephens & Co. lowering it from $54 to $52, Baird from $58 to $55, and Wells Fargo from $58 to $47 [7]

Financial Data and Key Metrics Changes - Net earnings for Q1 2025 were $169 million or $1.13 per share, representing an 18% improvement year-over-year [14] - Net interest margin increased for the fifth consecutive quarter to 3.10%, up from 3.05% in the previous quarter [15] - Adjusted pre-provision net revenue (PPNR) was $267 million, a 10% increase from $242 million a year ago [16] - Efficiency ratio improved compared to last year, though it was seasonally higher [17] - Average loans grew modestly by 0.5% on a linked-quarter basis [18] Business Line Data and Key Metrics Changes - Customer-related income was $158 million, a decrease of 10% linked-quarter but a 4% increase year-over-year [27] - Adjusted non-interest expenses increased by $24 million to $533 million, largely due to seasonality [30] - Average loans increased by 3% compared to the year-ago period [33] - Total average deposits declined by 1.9% due to seasonal outflows [34] Market Data and Key Metrics Changes - Non-interest-bearing deposits remained stable at 33% of total deposits [17] - The average cost of interest-bearing deposits decreased by 26 basis points compared to the previous quarter [15] - The cost of deposits declined by 17 basis points to 1.76% [35] Company Strategy and Development Direction - The company aims to build an AI-enabled culture and is focused on managing risk and uncertainty while improving customer experiences [11][12] - The acquisition of four branches in California added approximately $630 million in deposits and $420 million in loans, enhancing market share in Southern California [13] - The company is committed to maintaining positive operating leverage and improved efficiency as revenue growth outpaces expense pressures [51] Management's Comments on Operating Environment and Future Outlook - Management expressed concerns about economic uncertainty affecting loan growth and business decisions [9][60] - The outlook for loan growth is expected to be stable to slightly increasing, with commercial loans leading growth while mortgages and commercial real estate may decline [33] - Management noted that the current economic environment is challenging for forecasting, particularly regarding trade policies and tariffs [50][64] Other Important Information - The common equity Tier 1 ratio was 10.8%, indicating a strong capital position [49] - The company expects to see some stabilization in credit quality, with manageable realized losses [44] Q&A Session Summary Question: Client sentiment in the middle market and small business sector - Management noted that businesses are grappling with uncertainty regarding trade policies, which is affecting their willingness to invest and build inventories [56][60] Question: Guidance on net interest income and loan growth - Management indicated that a reasonable amount of net interest income guidance is baked in, but loan growth may be tepid due to uncertainty [62][64] Question: Loan growth demand and pipeline erosion - Management observed slower demand in commercial and industrial loans due to uncertainty, while commercial real estate activity is increasing [69] Question: Expense management in a weaker revenue environment - Management confirmed that they are focused on managing expenses and have already reduced headcount by about 3% [83] Question: Customer-related fee income expectations - Management expects customer-related fee income to stabilize, with treasury management being a significant contributor [91][96] Question: Share repurchase plans and capital management - Management stated that they are considering capital management strategies, including share repurchases, while maintaining a focus on organic growth [100][102] Question: Deposit pricing trends and future expectations - Management indicated that there is still room to lower deposit pricing, depending on market conditions and Fed actions [112] Question: Monitoring specific loan portfolios for tariff exposure - Management is closely watching sectors like trucking and transportation for potential impacts from tariffs [130]

Financial Performance - Net earnings to common were $169 million in 1Q25, a decrease of $31 million compared to 4Q24 and an increase of $26 million compared to 1Q24[8, 10] - Net interest margin increased to 310% in 1Q25, up 5 basis points from 4Q24 and 16 basis points from 1Q24[8] - Adjusted pre-provision net revenue was $267 million in 1Q25, a 14% decrease compared to 4Q24 and a 10% increase compared to 1Q24[8, 10] - Net charge-offs were 011% of loans annualized in 1Q25[8, 10] Balance Sheet and Loan Portfolio - Average loans grew 05% versus prior quarter, while average customer deposits experienced a seasonal decline of 12%[10] - Total investment securities and money market investments were $187 billion and $29 billion respectively at the end of 1Q25, representing 26% of earning assets[57] - Commercial real estate portfolio is $136 billion, representing 23% of total loans[69] Credit Quality - Allowance for credit losses was 124% of total loans and leases, down one basis point from the previous quarter[65] - Nonperforming assets were 051% of loans plus OREO[68] - Classified loans were 48% of total loans[68] Outlook - Loan balances are expected to be stable to slightly increasing[90] - Net interest income is expected to increase slightly to moderately[90] - Customer-related noninterest income is expected to increase slightly to moderately[90]

Financial Performance - Zions reported $806 million in revenue for Q1 2025, a year-over-year increase of 7.2% [1] - EPS for the same period was $1.24, up from $1.03 a year ago, exceeding the consensus estimate of $1.20 by 3.33% [1] - The reported revenue was slightly below the Zacks Consensus Estimate of $808.26 million, resulting in a surprise of -0.28% [1] Key Metrics - Net interest margin was 3.1%, matching the five-analyst average estimate [4] - Average balance of total interest-earning assets was $83 billion, slightly below the estimated $83.09 billion [4] - Efficiency ratio stood at 66.6%, higher than the average estimate of 65.5% [4] - Net charge-offs to average loans and leases were 0.1%, better than the estimated 0.2% [4] - Total nonperforming assets amounted to $307 million, exceeding the average estimate of $292.62 million [4] - Tier 1 leverage ratio was 8.4%, below the average estimate of 8.6% [4] - Tier 1 risk-based capital ratio was 10.9%, lower than the average estimate of 11.4% [4] - Total risk-based capital ratio was 13.3%, slightly below the average estimate of 13.4% [4] - Total nonaccrual loans were $305 million, higher than the average estimate of $287.48 million [4] - Total noninterest income was $171 million, exceeding the estimated $169.93 million [4] - Commercial account fees were $45 million, slightly below the average estimate of $46.06 million [4] - Other customer-related fees were $14 million, in line with the average estimate of $14.51 million [4] Stock Performance - Zions shares have returned -10.6% over the past month, compared to the S&P 500 composite's -5.6% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market [3]

Zions (ZION) came out with quarterly earnings of $1.24 per share, beating the Zacks Consensus Estimate of $1.20 per share. This compares to earnings of $1.03 per share a year ago. These figures are adjusted for non-recurring items.This quarterly report represents an earnings surprise of 3.33%. A quarter ago, it was expected that this financial holding company would post earnings of $1.26 per share when it actually produced earnings of $1.34, delivering a surprise of 6.35%.Over the last four quarters, the co ...

Core Viewpoint - Zions Bancorporation reported a strong financial performance in Q1 2025, with net earnings of $169 million, reflecting an 18% increase from the previous year, driven by improved net interest margins and adjusted pre-provision net revenue [1][2]. Financial Performance - Net earnings applicable to common shareholders for Q1 2025 were $169 million, or $1.13 per diluted common share, compared to $143 million, or $0.96 per diluted common share in Q1 2024, and $200 million, or $1.34 per diluted common share in Q4 2024 [1]. - The net interest margin increased by 16 basis points, and adjusted pre-provision net revenue rose by 10% [2]. - A tax law change in Utah resulted in a charge of $0.11 per share to income tax expense, but is expected to accrete back into income over time [2]. Strategic Developments - The acquisition of four branches in California's Coachella Valley added approximately $630 million in deposits and $420 million in loans [2]. - The company aims to enhance service to new customers through its affiliate, California Bank & Trust [2]. Credit Quality - Credit quality remained stable, with nonperforming assets at 0.51% of loans and leases and annualized net charge-offs at 0.11% [2]. - The company expressed confidence in its credit culture and reserves to manage potential economic turbulence [2]. Company Overview - Zions Bancorporation reported annual net revenue of $3.1 billion in 2024 and total assets of approximately $89 billion as of December 31, 2024 [4]. - The company operates under local management teams in 11 western states and is recognized for its customer service in small- and middle-market banking [4].

[Financial Highlights](index=1&type=section&id=Financial%20Highlights) [First Quarter 2025 Performance Summary](index=1&type=section&id=First%20Quarter%202025%20Performance%20Summary) Zions Bancorporation achieved an 18% increase in Q1 2025 net earnings to **$169 million**, with diluted EPS of **$1.13**, driven by margin expansion and PPNR growth, despite a one-time **$16 million** tax expense Q1 2025 vs. Q1 2024 Earnings Comparison | Metric | Q1 2025 | Q1 2024 | | :--- | :--- | :--- | | Net Earnings | $169 million | $143 million | | Diluted EPS | $1.13 | $0.96 | Q1 2025 Key Financial Metrics | Metric | Value | YoY Change | | :--- | :--- | :--- | | Net Interest Income | $624 million | +6% | | Net Interest Margin (NIM) | 3.10% | +16 bps | | Adjusted PPNR | $267 million | +10% | | Loans and Leases | $59.9 billion | +3% | | Total Deposits | $75.7 billion | +2% | | CET1 Capital Ratio (Est.) | 10.8% | +40 bps | - A notable item for the quarter was an additional income tax expense of **$16 million**, or **$0.11 per share**, due to the revaluation of Deferred Tax Assets (DTAs) resulting from new state tax legislation[4](index=4&type=chunk) [CEO Commentary](index=1&type=section&id=CEO%20Commentary) CEO Harris H. Simmons emphasized an 18% net income increase, margin expansion, and successful branch acquisition, while noting a one-time tax charge and expressing caution on the economic outlook - The CEO noted that the **$0.11 per share** tax charge is due to a beneficial Utah tax law change, and most of this charge is expected to accrete back into income over the life of the associated securities[4](index=4&type=chunk) - In late March, the company completed the acquisition of four branches from FirstBank of Denver, adding approximately **$630 million** in deposits and **$420 million** in loans[4](index=4&type=chunk) - Credit quality was described as being in "very good shape," with nonperforming assets stable at **0.51%** of loans and annualized net charge-offs at **0.11%**, however, the economic outlook is viewed as more uncertain[4](index=4&type=chunk) [Results of Operations](index=3&type=section&id=Results%20of%20Operations) [Net Interest Income and Margin](index=3&type=section&id=Net%20Interest%20Income%20and%20Margin) Net interest income increased **6%** to **$624 million** in Q1 2025, with net interest margin expanding by **16 basis points** to **3.10%**, driven by lower funding costs and a favorable asset mix Net Interest Income and Margin (Q1 2025 vs. Q1 2024) | Metric | Q1 2025 | Q1 2024 | Change | | :--- | :--- | :--- | :--- | | Net Interest Income | $624M | $586M | +$38M (+6%) | | Net Interest Margin | 3.10% | 2.94% | +16 bps | | Yield on Earning Assets | 5.08% | 5.25% | -17 bps | | Cost of Deposits | 1.76% | 2.06% | -30 bps | - The increase in NII was primarily driven by lower funding costs, as the rate paid on total deposits and interest-bearing liabilities decreased **33 basis points** YoY to **2.01%**[9](index=9&type=chunk)[11](index=11&type=chunk) - Average interest-earning assets grew by **$1.4 billion** YoY, led by a **$1.7 billion** increase in average loans and a **$1.3 billion** increase in money market investments, which was partially offset by a **$1.7 billion** decline in average securities[12](index=12&type=chunk) [Noninterest Income](index=4&type=section&id=Noninterest%20Income) Total noninterest income rose **10%** year-over-year to **$171 million**, primarily due to a **$9 million** increase in noncustomer-related income from securities gains and a **4%** rise in customer-related fees Noninterest Income Breakdown (Q1 2025 vs. Q1 2024) | Category | Q1 2025 | Q1 2024 | Change | | :--- | :--- | :--- | :--- | | Customer-related | $158M | $152M | +$6M (+4%) | | Noncustomer-related | $13M | $4M | +$9M (NM) | | **Total Noninterest Income** | **$171M** | **$156M** | **+$15M (+10%)** | - The increase in noncustomer-related income was mainly due to an **$8 million** rise in net securities gains, largely from valuation adjustments in the Small Business Investment Company (SBIC) portfolio[15](index=15&type=chunk) [Noninterest Expense](index=4&type=section&id=Noninterest%20Expense) Noninterest expense increased **2%** to **$538 million**, driven by higher salaries and technology costs, but offset by a **$12 million** decrease in deposit insurance, improving the efficiency ratio to **66.6%** Noninterest Expense Breakdown (Q1 2025 vs. Q1 2024) | Category | Q1 2025 | Q1 2024 | Change | | :--- | :--- | :--- | :--- | | Salaries and employee benefits | $342M | $331M | +$11M (+3%) | | Technology, telecom, etc. | $70M | $62M | +$8M (+13%) | | Deposit insurance & regulatory | $22M | $34M | -$12M (-35%) | | **Total Noninterest Expense** | **$538M** | **$526M** | **+$12M (+2%)** | - The decrease in deposit insurance expense was mainly due to a **$13 million** accrual in the prior-year quarter related to an updated FDIC special assessment estimate[17](index=17&type=chunk) - The efficiency ratio improved to **66.6%** from **67.9%** in Q1 2024, as revenue growth outpaced the increase in adjusted noninterest expense[17](index=17&type=chunk) [Balance Sheet Analysis](index=5&type=section&id=Balance%20Sheet%20Analysis) [Investment Securities](index=5&type=section&id=Investment%20Securities) Total investment securities declined **7%** year-over-year to **$18.7 billion** due to principal reductions, with the portfolio structured to provide liquidity through secured borrowing agreements Investment Securities Portfolio (As of March 31) | Category | 2025 | 2024 | Change | | :--- | :--- | :--- | :--- | | Available-for-sale (fair value) | $9,223M | $9,931M | -$708M (-7%) | | Held-to-maturity (amortized cost) | $9,481M | $10,209M | -$728M (-7%) | | **Total Investment Securities** | **$18,704M** | **$20,140M** | **-$1,436M (-7%)** | [Loans and Leases](index=5&type=section&id=Loans%20and%20Leases) Total loans and leases increased **3%** year-over-year to **$59.9 billion**, driven by growth in consumer and commercial loans, including **$420 million** from a branch acquisition Loans and Leases by Category (As of March 31) | Category | 2025 | 2024 | Change | | :--- | :--- | :--- | :--- | | Commercial | $31,010M | $30,479M | +$531M (+2%) | | Commercial Real Estate | $13,593M | $13,578M | +$15M (Flat) | | Consumer | $15,338M | $14,052M | +$1,286M (+9%) | | **Total Loans and Leases** | **$59,941M** | **$58,109M** | **+$1,832M (+3%)** | - The loan portfolio at March 31, 2025 includes about **$420 million** in consumer and commercial loans from the acquisition of four FirstBank branches in California[20](index=20&type=chunk) [Credit Quality](index=6&type=section&id=Credit%20Quality) Credit quality deteriorated year-over-year with provision for credit losses at **$18 million** and nonperforming assets at **0.51%**, while classified loans significantly increased to **$2.9 billion** due to stricter risk grading in the CRE portfolio Key Credit Quality Metrics (Q1 2025 vs. Q1 2024) | Metric | Q1 2025 | Q1 2024 | | :--- | :--- | :--- | | Provision for credit losses | $18M | $13M | | Net loan & lease charge-offs | $16M | $6M | | Nonperforming assets | $307M | $254M | | Classified loans | $2,891M | $966M | | Ratio of ACL to loans | 1.24% | 1.27% | | Ratio of NPA to loans | 0.51% | 0.44% | - The increase in classified loans was primarily in multifamily and industrial CRE portfolios, largely due to an increased emphasis in risk grading on current cash flows over collateral values and guarantor strength[23](index=23&type=chunk) - Weaker performance in the 2021-2023 construction loan vintages also contributed to the rise in classified loans, as borrowers faced challenges from longer lease-up periods, higher costs, and elevated interest rates[23](index=23&type=chunk) [Deposits and Borrowed Funds](index=7&type=section&id=Deposits%20and%20Borrowed%20Funds) Total deposits grew **2%** to **$75.7 billion**, including **$630 million** from an acquisition, while total borrowed funds decreased **18%** to **$4.4 billion** due to reduced short-term borrowings Deposits and Borrowed Funds (As of March 31) | Category | 2025 | 2024 | Change | | :--- | :--- | :--- | :--- | | Noninterest-bearing demand | $24,792M | $25,137M | -$345M (-1%) | | Total interest-bearing | $50,900M | $49,100M | +$1,800M (+4%) | | **Total Deposits** | **$75,692M** | **$74,237M** | **+$1,455M (+2%)** | | Short-term borrowings | $3,476M | $4,895M | -$1,419M (-29%) | | Long-term debt | $964M | $544M | +$420M (+77%) | | **Total Borrowed Funds** | **$4,440M** | **$5,439M** | **-$999M (-18%)** | - Customer deposits (excluding brokered) totaled **$70.9 billion**, up from **$69.9 billion** a year ago, with the loan-to-deposit ratio at **79%**, compared to **78%** in the prior year quarter[25](index=25&type=chunk) [Shareholders' Equity and Capital](index=8&type=section&id=Shareholders%27%20Equity%20and%20Capital) Total shareholders' equity increased **9%** to **$6.3 billion**, with the estimated CET1 capital ratio improving to **10.8%**, supported by retained earnings and a **$359 million** AOCI loss reduction, alongside share repurchases and dividend increase Shareholders' Equity Components (As of March 31) | Category | 2025 | 2024 | Change | | :--- | :--- | :--- | :--- | | Retained Earnings | $6,805M | $6,293M | +$512M (+8%) | | AOCI (loss) | ($2,250M) | ($2,609M) | +$359M (+14%) | | **Total Shareholders' Equity** | **$6,327M** | **$5,829M** | **+$498M (+9%)** | - The estimated CET1 capital ratio was **10.8%**, up from **10.4%** in the prior year period, and tangible book value per common share increased significantly to **$34.95** from **$29.34**[30](index=30&type=chunk) - During Q1 2025, the company repurchased **0.8 million** common shares for **$41 million** and paid a common dividend of **$0.43 per share**, an increase from **$0.41** in Q1 2024[27](index=27&type=chunk)[28](index=28&type=chunk) [Financial Statements and Supplemental Data](index=12&type=section&id=Financial%20Statements%20and%20Supplemental%20Data) [Consolidated Financial Highlights](index=12&type=section&id=Consolidated%20Financial%20Highlights) This section presents a five-quarter summary of key financial data, highlighting a recovery in net interest margin and return on equity, alongside a strengthening CET1 capital ratio Five-Quarter Trend Highlights | Metric | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | | :--- | :--- | :--- | :--- | :--- | :--- | | Diluted EPS | $1.13 | $1.34 | $1.37 | $1.28 | $0.96 | | Net Interest Margin | 3.10% | 3.05% | 3.03% | 2.98% | 2.94% | | CET1 Capital Ratio | 10.8% | 10.9% | 10.7% | 10.6% | 10.4% | | Return on Avg. Common Equity | 11.1% | 13.2% | 14.1% | 14.0% | 10.9% | [Loan Portfolio Analysis](index=17&type=section&id=Loan%20Portfolio%20Analysis) The loan portfolio is primarily commercial (**52%**), with nonperforming assets totaling **$307 million** (**0.51%** of loans), and net charge-offs of **$16 million** driven by the commercial and industrial segment Loan Portfolio Composition (March 31, 2025) | Loan Category | Balance (in millions) | % of Total | | :--- | :--- | :--- | | Commercial | $31,010 | 51.7% | | Commercial Real Estate | $13,593 | 22.7% | | Consumer | $15,338 | 25.6% | | **Total Loans & Leases** | **$59,941** | **100.0%** | Nonaccrual Loans by Type (March 31, 2025) | Loan Category | Nonaccrual Balance (in millions) | | :--- | :--- | | Commercial | $158 | | Commercial Real Estate | $58 | | Consumer | $89 | | **Total Nonaccrual Loans** | **$305** | [Non-GAAP Financial Measures](index=21&type=section&id=Non-GAAP%20Financial%20Measures) [Reconciliation of Non-GAAP Measures](index=21&type=section&id=Reconciliation%20of%20Non-GAAP%20Measures) Reconciliations of non-GAAP measures are provided to clarify operational performance, with Q1 2025 adjusted PPNR at **$267 million**, an efficiency ratio of **66.6%**, and tangible book value per common share at **$34.95** - The company uses non-GAAP measures like tangible common equity, adjusted PPNR, and the efficiency ratio to assess performance on a basis consistent with management and industry practices[46](index=46&type=chunk)[48](index=48&type=chunk)[53](index=53&type=chunk) Q1 2025 Adjusted PPNR and Efficiency Ratio Reconciliation | Metric | Amount (in millions) | | :--- | :--- | | **Adjusted Taxable-Equivalent Revenue (non-GAAP)** | **$800** | | Less: Adjusted Noninterest Expense (non-GAAP) | $533 | | **Adjusted PPNR (non-GAAP)** | **$267** | | **Efficiency Ratio (non-GAAP)** | **66.6%** | Tangible Book Value Per Common Share (non-GAAP) | Metric | Q1 2025 | Q1 2024 | | :--- | :--- | :--- | | Tangible common equity | $5,157M | $4,332M | | Tangible book value per common share | $34.95 | $29.34 |

The upcoming report from Zions (ZION) is expected to reveal quarterly earnings of $1.20 per share, indicating an increase of 16.5% compared to the year-ago period. Analysts forecast revenues of $808.26 million, representing an increase of 7.5% year over year.The consensus EPS estimate for the quarter has been revised 0.8% lower over the last 30 days to the current level. This reflects how the analysts covering the stock have collectively reevaluated their initial estimates during this timeframe.Before a com ...