earnings
confidence high
sentiment positive
materiality 0.75
Zions Bancorp 4Q25 EPS $1.76 vs $1.34 YoY; NIM expands to 3.31%
ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
2025-FY EPS reported
$6.01
revenue$662,000,000
- Net earnings $262M, diluted EPS $1.76; up 31% from $1.34 in 4Q24.
- Net interest margin 3.31% vs 3.05% a year ago; net interest income up 9% to $683M.
- Estimated CET1 ratio strengthened to 11.5% from 10.9%; tangible book value per share up 21% to $40.79.
- Annualized net charge-offs just 0.05% of loans; provision for credit losses $6M vs $41M.
- Full-year 2025 diluted EPS $6.01, up 21% from $4.95; adjusted PPNR rose 6% to $331M in Q4.