ZION: the cash flow

MyFinsight

For the quarter ending 2025-09-30, ZION had -$9M decrease in cash & cash equivalents over the period. $413M in free cash flow.

Cash Flow	2025-09-30	2025-06-30
Net income	222	414
Provision for credit losses	49	17
Depreciation and amortization	30	57
Share-based compensation	6	23
Deferred income tax expense	9	31
Net increase in trading securities	-46	145
Net decrease (increase) in loans held for sale	24	55
Change in other liabilities	69	-183
Change in other assets	-55	9
Other, net	24	33
Net cash provided by operating activities	438	117
Net decrease in money market investments	482	-1,382
Proceeds from maturities and paydowns of investment securities held-to-maturity	274	540
Purchases of investment securities held-to-maturity	0	27
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	323	956
Purchases of investment securities available-for-sale	305	777
Net change in loans and leases	-478	1,033
Purchases and sales of other noninterest-bearing investments	96	-132
Purchases of premises and equipment	25	58
Acquisition of california branches, net of cash acquired	0	-191
Other, net	0	12
Net cash provided by investing activities	359	1,030
Net increase (decrease) in deposits	1,077	-3,080
Net change in short-term borrowed funds	-2,315	2,240
Proceeds from the issuance of long-term debt	498	-
Proceeds from the issuance of common stock	2	4
Dividends paid on common and preferred stock	68	131
Bank common stock repurchased	0	41
Other, net	0	-10
Net cash used in financing activities	-806	-1,018
Net increase in cash and due from banks	-9	129
Cash and cash equivalents at beginning of period	651	-
Cash and cash equivalents at end of period	771	-

Unit: Million (M) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.