7月21日 - ** 地区性银行Zions Bancorp（ZION.O）的股价在盘前交易中下跌5%，至67.95美元
** 周一晚间，ZION公布第二季度 (link) 净利息收入低于市场预期，因存款竞争对息差造成压力
** 净息差作为衡量银行盈利能力的关键指标，近期备受关注。华尔街正热议，随着银行为加速增长的贷款业务筹集资金，2026年下半年存款成本是否会上升
** “竞争确实存在，”ZION首席财务官理查兹（Ryan Richards）对分析师表示
** ZION净存款增长步伐温和，加之短期借款环比激增8.37亿美元，这引发了外界对其能否在不更多依赖高成本批发融资的情况下支撑贷款增长能力的质疑——Evercore分析师潘卡里（John Pancari）表示
** “在净利息收入连续两个季度表现令人失望之后，ZION需要证明其存款举措正在奏效，且/或贷款增长正在显著加速，投资者才会完全认可其重申的业绩指引，”摩根士丹利分析师戈萨利亚（Manan Gosalia）表示
** 截至上一交易日收盘，ZION股价年内累计上涨22.8%
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