The earnings call highlighted strong financial performance, with significant improvements in net earnings, net interest margin, and efficiency ratio. There was notable growth in small business banking and positive feedback on new product offerings. However, challenges remain in managing deposit costs and the decline in average deposits. Despite these issues, the overall sentiment is positive given the strength of the financial results and growth initiatives.

Company Guidance -

Q3 2025

During the Zions Bancorp Earnings Conference Call for the second quarter of 2025, the company reported net earnings of $243 million, marking a 28% increase year-over-year and a 44% rise from the first quarter. Key metrics highlighted included a net interest margin expansion to 3.17% and an efficiency ratio improvement to 62.2%. The bank experienced a 5.6% annualized growth in average loans on a linked quarter basis, with average customer deposits rising by 0.5% year-over-year. Notably, the bank's consumer gold account offering, launched in mid-May in Nevada, saw a 78% increase in sales through early July, with average balances around $30,000. This success came before the commencement of paid marketing efforts in late June. Additionally, the bank's diluted earnings per share increased to $1.63, up from $1.13 in the prior year, and the allowance for credit losses as a percentage of loans decreased to 1.2%. The company also outlined an optimistic outlook for continued growth in net interest income and customer-related fee income, supported by strategic investments in revenue-generating initiatives and market expansions.

Significant Increase in Net Earnings

Second quarter net earnings were $243 million, representing a 28% improvement over the prior year period and a 44% increase compared to the first quarter.

Expansion in Net Interest Margin

The net interest margin increased for the sixth consecutive quarter to 3.17%, supported by lower funding costs and an improved earning asset mix.

Growth in Small Business Banking

The SBA 7(a) program saw a 91% increase in the number of deals booked in the first 9 months of the SBA's 2025 fiscal year relative to the same period last year.

Positive Response to Consumer Gold Account Offering

Sales of the new consumer gold account increased by 78% versus its predecessor, with average balances around $30,000.

Improvement in Efficiency Ratio

The efficiency ratio improved to 62.2%, reflecting better cost management and revenue growth.

Increase in Diluted Earnings Per Share

Diluted earnings per share was $1.63, up from $1.13 in the prior period and $1.28 in the year-ago period.

Improvement in Asset Quality

Net loan losses for the quarter were $10 million or 7 basis points annualized, and nonperforming assets remained low at 0.51% of loans and other real estate owned.

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
Oct 20, 2025	2025 (Q3)	1.46 / -	1.37	―	―	―
Jul 21, 2025	2025 (Q2)	1.31 / 1.63	1.28	27.34% (+0.35)
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)

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
Jul 21, 2025	$56.59	$56.85	+0.46%
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%

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 (N.A) (ZION) report earnings?

Zions Bancorporation, National Association (N.A) (ZION) is schdueled to report earning on Oct 20, 2025, After Close (Confirmed).

What is Zions Bancorporation, National Association (N.A) (ZION) earnings time?

Zions Bancorporation, National Association (N.A) (ZION) earnings time is at Oct 20, 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 (Q3) is 1.46.

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