8-K
filed January 21, 2025, 6:59 PM ET
ticker ZION
CIK 0000109380
earnings
confidence high
sentiment positive
materiality 0.75
Zions Q4 2024 EPS $1.34 vs $0.78 YoY; NIM improves to 3.05% but classified loans surge
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
2024-FY EPS reported
$4.95
revenue$639,000,000
- Q4 net earnings $200M, diluted EPS $1.34, up from $116M / $0.78 in Q4 2023.
- Net interest margin 3.05% versus 2.91% a year ago; net interest income up 8% to $627M.
- Pre-provision net revenue $323M (+102%); adjusted PPNR $312M (+19%).
- Annualized net loan charge-off ratio 0.24% (0.06% a year ago); provision for credit losses $41M vs <$1M.
- Classified loans $2.9B (4.8% of loans) vs $825M (1.4%); nonperforming assets $298M, up 31%.
Machine-readable event card
- schema_version
- secwatch.filing_event.v1
- accession
- 0000109380-25-000009
- form_type
- 8-K
- ticker
- ZION
- cik
- 0000109380
- company_name
- ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at
- 2025-01-21T23:59:59+00:00
- discovered_at
- 2026-05-14T18:03:02.912180+00:00
- generated_at
- 2026-05-27T21:52:22.592226+00:00
- sec_items
- ["2.02", "9.01"]
- event_type
- earnings
- sentiment
- positive
- materiality_score
- 0.75
- calibrated_materiality_score
- 0.75
- confidence
- high
- secwatch_canonical_url
- https://secwatch.observer/filing/0000109380-25-000009
- json_url
- https://secwatch.observer/filing/0000109380-25-000009.json
- markdown_url
- https://secwatch.observer/filing/0000109380-25-000009.md
- text_url
- https://secwatch.observer/filing/0000109380-25-000009.txt
- edgar_index_url
- https://www.sec.gov/Archives/edgar/data/109380/000010938025000009/0000109380-25-000009-index.htm
- edgar_primary_document_url
- https://www.sec.gov/Archives/edgar/data/109380/000010938025000009/zion-20250121.htm
- generated_by_model
- deepseek-v4-flash:cloud@v2
- review_status
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- human_reviewed
- false
- corrected
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- correction_note
- null
- correction_timestamp
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