The expected decrease in earnings and revenue for Zions Bancorporation indicates potential challenges that the company may be facing. However, the stock's recent gain suggests some positive sentiment. The mixed signals from earnings expectations and recent analyst downgrades create uncertainty, leading to a neutral score. The relevance is high as the company is the primary subject of the article, and the importance is significant due to the impact of earnings reports on stock performance. The confidence level is not at the maximum due to the unpredictable nature of market reactions to earnings reports.