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Zions Bancorporation National Association (ZION)
NASDAQ:ZION
US Market
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Zions Bancorporation National Association (ZION) Earnings Dates, Call Summary & Reports

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Earnings Data

Report Date
Jan 27, 2026
After Close (Confirmed)
Period Ending
2025 (Q4)
Consensus EPS Forecast
1.56
Last Year’s EPS
1.34
Same Quarter Last Year
Based on 20 Analysts Ratings

Earnings Call Summary

Q3 2025
Earnings Call Date:Oct 20, 2025|
% Change Since:
|
Earnings Call Sentiment|Neutral
The earnings call highlighted positive trends in net interest margin expansion and revenue growth, suggesting strong core earnings momentum. However, significant credit loss provisions and legal issues related to isolated loan defaults present challenges that offset some of the positive developments.
Company Guidance
During the call, Zions Bancorp provided guidance for the third quarter of 2026, highlighting several key financial metrics. The bank anticipates a moderately increasing net interest income supported by a 2 to 3 basis point lift in earning asset yields and growth in loans and deposits. The net interest margin is expected to continue its upward trend, having expanded to 3.28% in the third quarter of 2025. Zions forecasts a 2.1% annualized increase in average loans and a 3.1% rise in customer deposits compared to the prior quarter. The bank also reported an improvement in efficiency, with the efficiency ratio declining to 59.6%. Noninterest income, excluding certain adjustments, increased by 6% from the second quarter, driven by a 25% rise in capital market fees. While the allowance for credit losses remained stable at 1.2% of loans, the bank recognized a $49 million provision for credit loss and reported net charge-offs of $56 million, primarily due to a specific credit event. Overall, Zions expects to maintain positive operating leverage as revenue growth outpaces noninterest expense growth.
Net Interest Margin Expansion
The net interest margin expanded by 11 basis points to 3.28%, marking the seventh consecutive quarter of improvement.
Revenue Growth Outpacing Expenses
Pre-provision net revenue improved by 11% compared to the prior quarter and 18% compared to the prior year, indicating strong revenue growth relative to expense growth.
Increased Customer Fees
Customer fees, excluding the net credit valuation adjustment, grew by $10 million, reflecting increased customer activity.
Positive Operating Leverage
The efficiency ratio improved to 59.6%, showing positive operating leverage driven by revenue growth and controlled expenses.

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

ZION Earnings History

Report Date
Fiscal Quarter
Forecast / EPS
Last Year's EPS
EPS YoY Change
Press Release
Slides
Play Transcript
Jan 27, 2026
2025 (Q4)
1.56 / -
1.34
Oct 20, 2025
2025 (Q3)
1.46 / 1.48
1.378.03% (+0.11)
Jul 21, 2025
2025 (Q2)
1.31 / 1.63
1.2827.34% (+0.35)
Apr 21, 2025
2025 (Q1)
1.19 / 1.13
0.9617.71% (+0.17)
Jan 21, 2025
2024 (Q4)
1.26 / 1.34
0.7871.79% (+0.56)
Oct 21, 2024
2024 (Q3)
1.18 / 1.37
1.1321.24% (+0.24)
Jul 22, 2024
2024 (Q2)
1.09 / 1.28
1.1115.32% (+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)
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
Oct 20, 2025
$51.98$52.70+1.39%
Jul 21, 2025
$56.12$56.38+0.46%
Apr 21, 2025
$43.53$42.88-1.49%
Jan 21, 2025
$57.58$56.66-1.60%
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 Jan 27, 2026, After Close (Confirmed).
    What is Zions Bancorporation National Association (ZION) earnings time?
    Zions Bancorporation National Association (ZION) earnings time is at Jan 27, 2026, 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 (Q4) is 1.56.
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