Mosby raised his third-quarter EPS estimate for Zions by a nickel to 42 cents. The analyst estimates the company will earn $1.32 a share for all of 2012, followed by 2013 EPS of $1.96. Mosby said that "after achieving the full benefit from the TARP repayment and lower debt conversion costs, we have forecasted that net interest margin compression and less release of loan loss reserves could stall quarterly earnings at around the $0.50 level until 4Q13," and that "ZION's Recovery: ZION's recovery could take longer than other banks' as the two levers of capital restructuring and the eventual rise in short-term interest rates could take the next three to four years to complete." "However, once finished we see significant upside potential for ZION." ZION data by YCharts Interested in more on Zions Bancorporation? See TheStreet Ratings' report card for this stock.