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Zions Bancorporation
Zions Bancorporation (ZION) investor relations material
Zions Bancorporation Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary20 Jan, 2026
Executive summary
Fourth quarter net earnings were $262 million ($1.76 per share), up 19% sequentially and 31% year-over-year, driven by margin expansion, deposit growth, and low net charge-offs.
Full-year 2025 net earnings reached $895 million ($6.01 per share), a 21% increase over 2024, with tangible book value per share up 21% for the third consecutive year.
Return on average tangible common equity rose to 17.9% in Q4 and 16.6% for the year.
Diluted EPS for the quarter was $1.76, up from $1.48 last quarter and $1.34 a year ago, with impacts from a $15 million charitable donation and FDIC special assessment.
Financial highlights
Net interest margin expanded for the eighth consecutive quarter to 3.31%, up 3bps sequentially and 26bps year-over-year.
Net interest income for Q4 was $683 million, up 9% year-over-year; adjusted PPNR was $331 million, up 6% year-over-year.
Customer deposits grew 9% year-over-year; average loans were flat sequentially but up 2.5% year-over-year.
Adjusted noninterest expense was $548 million, up 8% year-over-year; efficiency ratio was 62.3%.
Net charge-offs were 0.05% of loans annualized in Q4 and 0.15% for the year.
Outlook and guidance
For 2026, loan balances, net interest income, adjusted customer-related noninterest income, and adjusted noninterest expense are all expected to increase moderately, with positive operating leverage of 100–150 basis points.
Commercial and small business lending are projected to lead growth; technology and marketing investments will put mild pressure on expenses.
Capital distributions are likely to increase in the second half of 2026, subject to regulatory and board approval.
Buyback timing: What factors are key?
Small business lending impact on NII?
Long-term FTE outlook with AI/outsourcing?
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Next Zions Bancorporation earnings date
Q1 202620 Apr, 2026
Zions Bancorporation
Next Zions Bancorporation earnings date
Q1 202620 Apr, 2026
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Frequently asked questions
Regional Southwestern Bank
Zions Bancorporation, headquartered in Salt Lake City, Utah, is a financial services company that provides a wide range of banking and related services. The company operates through a network of local banks and business lines and its services encompass commercial and retail banking, mortgage lending, and wealth management, catering to a diverse clientele that includes individuals, small and mid-sized businesses, and corporations. It is headquartered in Salt Lake City, Utah, and its shares are listed on the Nasdaq.
The Connection to the Church of LDS
The company’s history is closely intertwined with the development of the Church of Jesus Christ of Latter-day Saints (LDS Church) and the broader history of the state of Utah. Its original entity, Zions Savings Bank and Trust Company, was founded by Brigham Young, the second president of the LDS Church, in 1873: The bank was integral to the economic development of Utah and the surrounding region, offering financial services essential to a growing population. The church divested its interest in 1960, and today the bank operates as a secular and separate entity.
A Regional Focus
Zions has a strong regional focus in the Western United States. The company knows the area incredibly well and has tailored its services to ensure a good fit with local economies, cultures, and business environments. This regional specialization allows Zions to offer personalized banking and financial solutions to its customers, ranging from individual account holders to businesses of various sizes. This regional focus is similar to what can be seen with other banks such as Comerica, Fifth Third Bancorp, M&T Bank, and several others.
The Services on Offer
The company offers a wide array of banking and financial services. These services include personal banking solutions such as checking and savings accounts, credit and debit cards, and personal loans. For businesses, Zions offers commercial lending, treasury management, and international banking services, supporting businesses in their growth and global trade endeavors. Additionally, Zions provides wealth management and investment services, as well as mortgages and lending.
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