Zions Bancorp Survives Bad Loans

Plus, Chainlink's October recovery.

October 21, 2025

Today is Tuesday, October 21, 2025.

The Early Bird Index today is 85.86.

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Zions Bancorp Survives Bad Loans

Investors were worried about Zions Bancorporation $ZION ( ▲ 4.65% ) , but the company produced good financial earnings results on Monday, sending the stock up 3% in after-hours trading.

Financials: Zions Bancorp reported earnings of $1.48 per share in the past quarter and revenue of $872 million. Both were better than expected.

Background: Late last week, Zions Bancorp dropped about 11% after announcing a $50 million charge-off due to bad loans.

Quote: “Excluding this loss, remaining net charge-offs were very benign at $6 million, or 4 basis points of average loans on an annualized basis.” - Chairman and CEO Harris H. Simmons.

Early Bird’s Nest Egg Gains: The $50 million write‑off is meaningful but manageable. It equals roughly 2% to 3% of quarterly profits and less than 0.1% of total loans.

Final Thoughts: The stock was down over 3% this year, trailing the broader market.

Notables

Notable Earnings Today: Netflix (Nasdaq: NFLX), Coca-Cola (NYSE: KO), GE Aerospace (NYSE: GE), Texas Instruments (Nasdaq: TXN), Lockheed Martin (NYSE: LMT), Capital One (NYSE: COF), Mattel (Nasdaq: MAT), General Motors (NYSE: GM), Equifax (NYSE: EFX), Halliburton (NYSE: HAL), Nasdaq (Nasdaq: NDAQ), Intuitive Surgical (Nasdaq: ISRG),Philip Morris International (NYSE: PM), 3M (NYSE: MMM), Northrop Grumman (NYSE: NOC), Chubb (NYSE: CB), Danaher (NYSE: DHR), Elevance Health (NYSE: ELV), Quest Diagnostics (NYSE: DGX), RTX (NYSE: RTX), EQT (NYSE: EQT), East West Banc (Nasdaq: EWBC), PulteGroup (NYSE: PHM), National Bank (NYSE: NBHC), Omnicom (NYSE: OMC), Agree Realty (NYSE: ADC), Badger Meter (NYSE: BMI), Balchem (Nasdaq: BCPC), Cathay Bancorp (Nasdaq: CATY), Community Financial System (NYSE: CBU), Danaher (NYSE: DHR), Fulton Financial (Nasdaq: FULT), GATX (NYSE: GATX), Manhattan Associates (Nasdaq: MANH), Matador Resources (NYSE: MTDR), Pathward Financial (Nasdaq: CASH), PennyMac (NYSE: PFSI), Pentair (NYSE: PNR), Valmont (NYSE: VMI), Vicor (Nasdaq: VICR), Waste Connections (NYSE: WCN), Western Alliance Bancorp (NYSE: WAL).

Notable IPOs Today: Charming Medical Limited Class A Ordinary Shares (Nasdaq: MCTA), Bgin Blockchain Limited Class A Ordinary Shares (Nasdaq: BGIN), Ambitions Enterprise Management Co. L.L.C Class A Ordinary Shares (Nasdaq: AHMA).

Notable Equity Crowdfunding Campaigns Ending Today: ONEai Health (StartEngine), The Milkweed Inn (SMBX).

Notable Economic Events Today: API Weekly Crude Oil Stock (4:30 p.m. ET).

As most cryptocurrency prices struggled to remain positive on Monday, Chainlink $LINK.X ( ▼ 5.01% ) jumped about 6% for its best day in weeks.

Details: Chainlink’s price was propelled by large-scale whale accumulation, meaning large holders of crypto buying more Chainlink.

Final Thoughts: The price of Chainlink has been down over 20% in the last 30 days.

Crown Holdings Posts Good Results

Crown Holdings $CCK ( ▲ 0.61% ) jumped 8.04% in after-hours trading on Monday after the maker of metal beverage and food cans reported better-than-expected financial earnings results.

Financials: Crown Holdings reported earnings of $2.24 per share in the past quarter and revenue of $3.2 billion. Both were better than expected.

Final Thoughts: Shares of Crown Holdings were previously up 16% this year.

Activist Investor: Activist Starboard Takes Big Stake in Construction Firm (Wall Street Journal)

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The contents of Early Bird are intended for informational and entertainment purposes only. They do not constitute trade or investment recommendations, and they are not financial or legal advice. Readers are encouraged to consult licensed professionals for personalized guidance regarding their financial or legal situations.