What does consolidated entities — commercial account fees mean?

Revenue earned from fees charged to business clients for maintaining and using their deposit accounts.

How do you interpret consolidated entities — commercial account fees?

An increase suggests higher commercial deposit volume or successful fee-based service adoption, while a decrease may indicate competitive pricing pressure or lower business activity.

How does consolidated entities — commercial account fees compare across companies?

Commonly reported by regional banks as 'Service Charges on Deposit Accounts' or 'Commercial Account Analysis Fees'.

Zions Bancorporation ZION Consolidated Entities — Commercial account fees

Discontinued — last reported Q4 '19

Similar metrics at other companies

UMBFCommercial Banking — Fees And Commissions Depositor Accounts

$7.79M-2.9%

CBSHCommercial segment — Deposit fee revenue by segment

72%0.0pp

BOKFCommercial account service charge revenue — Total fees and commissions revenue

$19.1M+7.2%

MTBCommercial Banking — Fees And Commissions Depositor Accounts

$24.65M—

WALCommercial Segment — Service charges and fees

$6.6M+20.0%

BOKFCommercial account service charge revenue — Fees and commissions revenue from contracts with customers

$19.1M+7.2%

Other financials

Income statement

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Revenue$849.0M+6.8%

Net income$233.0M+37.1%

EPS (diluted)$1.56+38.1%

Balance sheet

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Total debt$2.2B+83.9%

Total equity$7.3B+15.3%

Total assets$88.0B0.0%

Cash flow

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Operating cash flow$423.0M+136%

CapEx$25.0M-7.4%

Free cash flow$398.0M+162%

Valuation

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Market cap$9.73B+15.2%

P/E10.1×-0.4×

P/S2.8×+0.2×

Profitability

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Net margin28%+2.8pp

FCF margin37.5%+7.0pp

Returns & leverage

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Return on equity14.1%+0.9pp

Debt / equity0.3×+0.1×

Where this comes from

Reported directly by Zions Bancorporation in its filing.

Tagged under the XBRL concept zions:CommercialAccountFees.

The official record: Zions Bancorporation’s 10-K, filed February 26, 2020, on SEC EDGAR. View the filing →

Questions, answered.

What does consolidated entities — commercial account fees mean?: Revenue earned from fees charged to business clients for maintaining and using their deposit accounts.
How do you interpret consolidated entities — commercial account fees?: An increase suggests higher commercial deposit volume or successful fee-based service adoption, while a decrease may indicate competitive pricing pressure or lower business activity.
How does consolidated entities — commercial account fees compare across companies?: Commonly reported by regional banks as 'Service Charges on Deposit Accounts' or 'Commercial Account Analysis Fees'.