The earnings call presented a mix of positive and negative aspects. While there was significant improvement in net earnings and net interest margin, challenges such as decreased customer-related income, increased economic uncertainty, and higher non-interest expenses were notable concerns.

Company Guidance -

Q2 2025

During the Zions Bancorp Q1 2025 earnings call, the company provided guidance for the first quarter of 2026, highlighting several key metrics. Net earnings for Q1 2025 were reported at $169 million, or $1.13 per share, an 18% improvement from the previous year. The net interest margin increased to 3.10% from 3.05% in the prior quarter, while the average cost of interest-bearing deposits decreased by 26 basis points sequentially. The quarter's adjusted pre-provision net revenue was $267 million, showing a 10% year-over-year growth. Non-performing assets to loans remained stable, and the net loan charge-offs were low at $16 million. The allowance for credit losses was maintained at 1.24% of total loans. For Q1 2026, the bank expects net interest income to be slightly to moderately increasing, with customer-related fee income also anticipated to rise slightly to moderately. Despite economic uncertainties, Zions Bancorp remains focused on managing risks, maintaining strong credit quality, and leveraging opportunities for growth.

Improved Net Earnings

Net earnings for the quarter were $169 million or $1.13 per share, representing an 18% improvement compared to the same period last year.

Net Interest Margin Growth

The net interest margin increased for the fifth consecutive quarter to 3.10%, reflecting improved deposit pricing and cost management.

Recognition and Expansion

Zions Bancorp was recognized by Coalition Greenwich as one of the top 10 banks in the industry. The acquisition of four branches in California added approximately $630 million of deposits and $420 million in loans.

Stable Credit Quality

Net loan charge-offs remained low, and the allowance for credit losses was stable at 1.24%.

Zions Bancorporation National Association (ZION) Earnings, Revenues Date & History

The upcoming earnings date is based on a company’s previous reporting, and may be updated when the actual date is announced

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ZION Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Jul 21, 2025	2025 (Q2)	1.31 / -	1.28	―	―	―
Apr 21, 2025	2025 (Q1)	1.19 / 1.13	0.96	17.71% (+0.17)
Jan 21, 2025	2024 (Q4)	1.26 / 1.34	0.78	71.79% (+0.56)
Oct 21, 2024	2024 (Q3)	1.18 / 1.37	1.13	21.24% (+0.24)
Jul 22, 2024	2024 (Q2)	1.09 / 1.28	1.11	15.32% (+0.17)
Apr 22, 2024	2024 (Q1)	0.95 / 0.96	1.33	-27.82% (-0.37)
Jan 22, 2024	2023 (Q4)	0.88 / 0.78	1.84	-57.61% (-1.06)
Oct 18, 2023	2023 (Q3)	1.11 / 1.13	1.4	-19.29% (-0.27)
Jul 19, 2023	2023 (Q2)	1.08 / 1.11	1.29	-13.95% (-0.18)
Apr 19, 2023	2023 (Q1)	1.53 / 1.33	1.27	4.72% (+0.06)

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

Beat

Missed

ZION Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Apr 21, 2025	$43.90	$43.24	-1.50%
Jan 21, 2025	$58.06	$57.14	-1.58%
Oct 21, 2024	$48.28	$51.28	+6.21%
Jul 22, 2024	$47.88	$50.84	+6.18%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.

FAQ

When does Zions Bancorporation National Association (ZION) report earnings?

Zions Bancorporation National Association (ZION) is schdueled to report earning on Jul 21, 2025, After Close (Confirmed).

What is Zions Bancorporation National Association (ZION) earnings time?

Zions Bancorporation National Association (ZION) earnings time is at Jul 21, 2025, After Close (Confirmed).

Where can I see when companies are reporting earnings?

You can see which companies are reporting today on our designated earnings calendar.

What companies are reporting earnings today?

You can see a list of the companies which are reporting today on TipRanks earnings calendar.

What is ZION EPS forecast?

ZION EPS forecast for the fiscal quarter 2025 (Q2) is 1.31.

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