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Zions Bancorporation National Association (ZION)
NASDAQ:ZION
RESEARCH TOOLSreports
Earnings Data
Report Date
Jul 21, 2025TBA Not Confirmed
Period Ending
2025 (Q2)Consensus EPS Forecast
1.31Last Year’s EPS
1.28Same Quarter Last Year
Based on 13 Analysts Ratings
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Earnings Call Summary
Earnings Call Date:Apr 21, 2025
|% Change Since: 0.09%
|Next Earnings Date:Jul 21, 2025
Earnings Call Sentiment|Neutral
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
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%.
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Zions Bancorporation National Association (ZION) Earnings, Revenues Date & History
ZION Earnings History
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
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ZION Earnings-Related Price Changes
Report Date | Price 1 Day Before | Price 1 Day After | Percentage Change |
|---|---|---|---|
| Apr 21, 2025 | $44.28 | $43.62 | -1.49% |
| Jan 21, 2025 | $58.57 | $57.64 | -1.59% |
| Oct 21, 2024 | $48.71 | $51.73 | +6.20% |
| Jul 22, 2024 | $48.30 | $51.28 | +6.17% |
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.
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FAQ
When does Zions Bancorporation National Association (ZION) report earnings?
Zions Bancorporation National Association (ZION) is schdueled to report earning on Jul 21, 2025, TBA Not Confirmed.
What is Zions Bancorporation National Association (ZION) earnings time?
Zions Bancorporation National Association (ZION) earnings time is at Jul 21, 2025, TBA Not 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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