---
schema_version: "secwatch.filing_event.v1"
accession: "0000109380-26-000009"
form_type: "8-K"
ticker: "ZION"
cik: "0000109380"
company_name: "ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/"
filed_at: "2026-01-20T23:59:59+00:00"
generated_at: "2026-05-16T09:28:56.084092+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# Zions Bancorp 4Q25 EPS $1.76 vs $1.34 YoY; NIM expands to 3.31%

## Summary
- 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.

## SEC filing metadata
- accession: 0000109380-26-000009
- form_type: 8-K
- ticker: ZION
- cik: 0000109380
- company_name: ZIONS BANCORPORATION, NATIONAL ASSOCIATION /UT/
- filed_at: 2026-01-20T23:59:59+00:00
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 9.01
- EDGAR index: https://www.sec.gov/Archives/edgar/data/109380/000010938026000009/0000109380-26-000009-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/109380/000010938026000009/zion-20260120.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0000109380-26-000009
- JSON: https://secwatch.observer/filing/0000109380-26-000009.json
- Plain text: https://secwatch.observer/filing/0000109380-26-000009.txt

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.