The earnings call reflected a generally positive outlook with significant earnings growth, net interest margin expansion, and successful product launches contributing to the positive sentiment. However, challenges such as declining deposit balances, pressures on noninterest expenses, and ongoing issues in the CRE portfolio present areas of concern.

Company Guidance

During the Zions Bancorp earnings call for the second quarter of fiscal year 2025, the company reported a strong financial performance with net earnings of $243 million, reflecting a 28% improvement over the prior year and a 44% increase from the previous quarter. The net interest margin expanded for the sixth consecutive quarter to 3.17%, driven by lower funding costs and favorable asset mix shifts. The efficiency ratio improved to 62.2%, and average loans grew by 5.6% on an annualized basis compared to the previous quarter. Customer-related noninterest income rose by 7% year-over-year, and adjusted pre-provision net revenue increased by 14% from the prior year. Zions also highlighted a 91% increase in SBA 7(a) program deals and the successful rollout of its consumer gold account, which resulted in a 78% rise in sales with average balances of approximately $30,000. The guidance for the second quarter of 2026 includes moderate increases in net interest income, fee income, and adjusted noninterest expenses, with continued positive operating leverage expected.

Significant Earnings Growth

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

Net Interest Margin Expansion

The net interest margin expanded for the sixth consecutive quarter to 3.17% due to lower funding costs and an improved earning asset mix.

Strong SBA 7(a) Program Growth

The number of deals booked through the SBA 7(a) program increased by 91% in the first nine months of the SBA’s 2025 fiscal year compared to the same period last year.

Successful Product Launch

The rollout of the consumer gold account in Nevada resulted in a 78% increase in sales compared to its predecessor, with average balances around $30,000.

Improved Efficiency Ratio

The efficiency ratio improved to 62.2%, demonstrating effective cost management alongside revenue growth.

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	$56.12	$56.38	+0.46%
Apr 21, 2025	$43.53	$42.88	-1.49%
Jan 21, 2025	$57.58	$56.66	-1.60%
Oct 21, 2024	$47.88	$50.85	+6.20%

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 Oct 20, 2025, After Close (Confirmed).

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

Zions Bancorporation National Association (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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