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Inferra AI / Company / ZION

Zions Bancorporation, National Association

ZION · Financials

Last earnings Oct 19, 2026

Key results

Net incomequarter

$221 million

Net Earnings of $221 million,

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

EPSquarter

$1.48

diluted EPS of $1.48 compared with 3Q24

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

Net Earnings of $204 million,

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

diluted EPS of $1.37, and 2Q25

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

Net Earnings of $243 million,

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

diluted EPS of $1.63 THIRD QUARTER RESULTS $1.48 $221 million 3.28% 11.3% Net earnings per diluted common share Net earnings Net interest margin ( NIM ) Estimated common equity tier 1 ratio

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

Revenuequarter

14%

Simmons, Chairman and CEO of Zions Bancorporation, commented, We re pleased with the Company s core earnings, which included 14% growth in pre-provision net revenue over the prior year period, and 18% on an adjusted basis.

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

is one of the nation's premier financial services companies with annual net revenue of $3.1 billion in 2024, and total assets of approximately $89 billion at December 31, 2024.

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

AI analysis

Q3 2025 · reported Oct 20, 2025

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

EPS · Q3 2025
$1.48
EX-99 · Oct 20, 2025
Net income · Q3 2025
$221M
EX-99 · Oct 20, 2025

Headline figures

MetricQ3 2025Prior qtrYear ago
Net income$221 million——
EPS$1.48——
Revenue14%——

EX-99 · Oct 20, 2025

Guidance · company-stated

No guidance located in the held release

Outlook statement

“The year-over-year decline in the ACL primarily reflects changes in loan portfolio composition and lower reserves associated with commercial real estate ( CRE ) portfolio-specific risks, partially offset by less favorable economic forecasts, adjustments to economic scenario weightings, and increased lending activity.”

Next earningsNo verified date on fileNo date is estimated or imported

Capital allocation

Dividend$10M

The decrease was partially offset by a $284 million increase in average borrowed funds, reflecting an increase in long-term debt.

Company-stated claims

Aug 6, 2026

Historical · increased $270 million, or 142% · income

“Noninterest income increased $270 million, or 142%, from the prior year period, primarily driven by the previously discussed pre-tax net gains.”

10-Q · Aug 6, 2026
General educational research only — not investment advice.Every figure is as stated in the held documents; values marked “computed from stated figures” are arithmetic on those stated figures. Guidance shown is the company’s own stated guidance. No price targets, no recommendations, no consensus estimates.

Event summary

Simmons, Chairman and CEO of Zions Bancorporation, commented, We re pleased with the Company s core earnings, which included 14% growth in pre-provision net revenue over the prior year period, and 18% on an adjusted basis

Based on: Earnings release + Q3 2025 deck + parent 8-K — transcript not held

Guidance & outlook

No guidance located in the held release

Capital allocation

The decrease was partially offset by a $284 million increase in average borrowed funds, reflecting an increase in long-term debt.

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

This growth was primarily driven by a $10 million increase in dividends and other income, mainly attributable to a $6 million gain on the sale of a bank-owned property and higher dividends received on FHLB stock.

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

Total borrowed funds, primarily composed of secured borrowings, increased $1.8 billion, or 51%, compared with the prior year quarter.

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

This growth was driven by higher levels of long-term debt and short-term advances from the FHLB, partially offset by a reduction in borrowings under the FRB Bank Term Funding Program.

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

The increase in long-term debt reflects the issuance of $500 million in 4.70% Fixed-to-Floating Senior Notes during the third quarter of 2025, and $500 million in 6.82% Fixed-to-Floating Subordinated Notes during the fourth quarter of 2024.

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

The common stock dividend was $0.45 per share, compared with $0.41 per share during the third quarter of 2024.

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

Strategy & priorities

Certain of these non-GAAP measures are key inputs into Zions management compensation and are used in Zions strategic goals that have been and may continue to be articulated to investors.

SEC original ↗Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

Third quarter results reflect margin expansion, improved efficiency, and customer deposit growth; EPS adversely impacted by elevated credit losses FINANCIAL PERFORMANCE 3 (1) See Appendix for non-GAAP financial measures.

SEC original ↗Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

Improved loan yields and lower borrowings volume drove expansion versus prior quarter; deposit repricing lifted margin over the year-ago quarter Year-Over-Year (3Q25 vs.

SEC original ↗Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

Steady AOCI improvement with meaningful protection against term rate volatility due to hedging strategy AOCI is projected to improve by almost $450 million, or 17%, in 2025 relative to 2024.

SEC original ↗Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

This adds 48 basis points to the tangible common equity ratio in 2025 relative to 2024, all else equal Hedging strategy provides meaningful protection against term rate volatility The forward curve at 09/30/2025 assumes two additional rate cuts in 2025 and two cuts in 2026 Actual Projection Based on forward curve at 9/30/2025 AOCI Projection $780 million, or 33%, projected improvement from 4Q24 to 4Q26 17% 33% Projected Improvement vs.

SEC original ↗Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

Risks & headwinds

However, they are inherently subject to known and unknown risks, uncertainties, and other factors that could cause actual results, performances, achievements, industry developments, or regulatory outcomes to differ materially from those expressed or implied.

SEC original ↗Zions Bancorporation, National Association — Earnings release (8-K exhibit)EX-99Oct 20, 2025

However, they are inherently subject to known and unknown risks, uncertainties, and other factors that could cause our actual results, performances, achievements, industry developments, or regulatory outcomes to differ materially from those expressed or implied.

SEC original ↗Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

2Q25) Adjusted noninterest expense decreased $1 million, or 0.2% with increases in technology spend and salary and benefits offset by lower accruals in deposit insurance and regulatory expense and litigation reserves Year-over-year (3Q25 vs.

SEC original ↗Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit)EX-99Oct 20, 2025

Documents

Earnings deck slides

0 decks with slide view

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Zions Bancorporation, National Association — Presentation / slide deck (8-K exhibit) — Slide view unavailable — this deck was filed as a web document, whose text has no page boundaries.

Competitors

Competitors & peers

Same GICS sector — classification peers, not declared competitors

Arthur J. Gallagher & Co. (AJG) FinancialsSun Life Financial (SLF) FinancialsRaymond James Financial (RJF) FinancialsAflac (AFL) FinancialsING Group (ING) FinancialsNorthern Trust (NTRS) FinancialsCincinnati Financial (CINF) FinancialsCoinbase (COIN) Financials

Filings

31 documents

Earnings releases

12 documents

Presentations

11 documents

Transcripts

0 documents

No transcripts for Zions Bancorporation, National Association are held in this edition of the library.

Mentioned by

3 companies

Other tracked companies whose held documents mention Zions Bancorporation, National Association by name or ticker. A mention is counted once per document, from the document text the library holds.

See also the earnings calendar for every tracked company’s next earnings date.