Zions Bancorporation N.A. (NASDAQ: ZION) Q3 2025 Earnings Call | 10/21/2025

Описание: Zions Bancorporation reported Q3 2025 net earnings of $221 million, or $1.48 per diluted share, up from $204 million or $1.37 in Q3 2024, though down from $243 million or $1.63 in Q2 2025. Adjusted EPS was $1.54, beating consensus estimates, driven by strong net interest income (NII) of $672 million (+8.4% YoY) and fee income growth (+9.9%). Total net revenue reached $861 million (+8.7% YoY), with net interest margin expanding 25 basis points to 3.28%. Pre-provision net revenue grew 14% YoY and 11% quarter-over-quarter.​

Credit quality included net charge-offs of $56 million, heavily impacted by two commercial loan losses and a $10 million specific reserve, offset by otherwise benign credit costs (remaining charge-offs just $6 million). Non-interest expenses rose 4.2% to $520 million; adjusted efficiency ratio improved to 59.6%. Loans held for investment were $59.6 billion (down 1% QoQ), while deposits rose 1.5% to $74.9 billion. CEO Harris H. Simmons emphasized 17% growth in tangible book value per share over the last year and 7% annualized customer deposit growth.​

Zions maintains robust capital and liquidity and continues to focus on deposit growth, margin expansion, and cost management. The bank’s ROA was 0.95% and return on tangible common equity was 16% for Q3 2025.​

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