Core Viewpoint - Analysts project Zions (ZION) will report quarterly earnings of $1.57 per share, a 17.2% increase year over year, with revenues expected to reach $864.41 million, up 3.9% from the same quarter last year [1]. Earnings Estimates - The consensus EPS estimate has been adjusted downward by 0.2% over the past 30 days, indicating a reassessment by covering analysts [1][2]. Key Metrics Projections - Analysts estimate the 'Net interest margin' will be 3.3%, up from 3.1% in the same quarter last year [4]. - The 'Efficiency Ratio' is projected to be 61.2%, compared to 62.0% a year ago [4]. - The 'Average balance - Total interest-earning assets' is expected to be $82.88 billion, down from $83.24 billion in the same quarter last year [5]. - 'Total nonperforming assets' are estimated at $330.67 million, up from $298.00 million a year ago [5]. - The 'Tier 1 leverage ratio' is projected to be 8.8%, compared to 8.3% in the same quarter last year [6]. - 'Total nonaccrual Loan' is expected to reach $325.61 million, up from $297.00 million a year ago [6]. - The 'Total risk-based capital ratio' is estimated at 13.8%, compared to 13.3% a year ago [6]. - The 'Tier 1 risk-based capital ratio' is projected to be 11.4%, up from 11.0% in the same quarter last year [7]. - 'Total Noninterest Income' is expected to be $181.01 million, down from $193.00 million a year ago [7]. - 'Commercial account fees' are estimated at $47.84 million, slightly up from $47.00 million a year ago [7]. - 'Other customer-related fees' are projected to be $14.44 million, up from $14.00 million a year ago [8]. - 'Card fees' are expected to reach $24.40 million, compared to $24.00 million a year ago [8]. Stock Performance - Zions shares have returned -1.4% over the past month, while the Zacks S&P 500 composite has increased by +2.1% [9].