ZIONP: the cash flow

MyFinsight

For the quarter ending 2025-09-30, ZIONP had $120M increase in cash & cash equivalents over the period. $472M in free cash flow.

Cash Flow	2025-09-30
Net income	636
Provision for credit losses	66
Depreciation and amortization	87
Share-based compensation	29
Deferred income tax expense	40
Net increase in trading securities	99
Net decrease (increase) in loans held for sale	79
Change in other liabilities	-114
Change in other assets	-46
Other, net	57
Net cash provided by operating activities	555
Net decrease in money market investments	-900
Proceeds from maturities and paydowns of investment securities held-to-maturity	814
Purchases of investment securities held-to-maturity	27
Proceeds from sales, maturities, and paydowns of investment securities available-for-sale	1,279
Purchases of investment securities available-for-sale	1,082
Net change in loans and leases	555
Purchases and sales of other noninterest-bearing investments	-36
Purchases of premises and equipment	83
Acquisition of california branches, net of cash acquired	-191
Other, net	12
Net cash provided by investing activities	1,389
Net increase (decrease) in deposits	-2,003
Net change in short-term borrowed funds	-75
Proceeds from the issuance of long-term debt	498
Proceeds from the issuance of common stock	6
Dividends paid on common and preferred stock	199
Bank common stock repurchased	41
Other, net	-10
Net cash used in financing activities	-1,824
Net increase in cash and due from banks	120
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.