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Zions Bancorporation ZION Q2 2025 earnings

Reported July 21, 2025 · After market close

Revenue$838.0MBeat by $27.1M
EPS$1.58Beat by $0.27
Revenue estimate$810.9M
EPS estimate$1.31

Next report

Oct 19, 2026 (In 2 weeks)
Revenue estimate$889.8M
EPS estimate$1.64

Financials

Q2 2025

Income statement

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Revenue$838.0M+8.0%
Net income$244.0M+21.4%
EPS (diluted)$1.63+27.3%

Balance sheet

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Total debt$1.2B+63.9%
Total equity$6.6B+9.5%
Total assets$88.9B+1.5%

Cash flow

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Operating cash flow--100%
CapEx$31.0M+82.4%
Free cash flow--100%

Valuation & ratios

Valuation

as of 06/30/25
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Market cap$7.39B+15.7%
Enterprise value$8.6B+20.7%
P/E8.8×-1.0×
P/S2.3×+0.2×

Profitability

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Net margin26%+4.3pp
FCF margin22.7%—

Returns & leverage

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Return on equity13.4%+1.8pp
Debt / equity0.2×+0.1×

Segments

By product

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Commercial account fees$46.0M+2.2%
Card fees$36.0M-2.7%
Retail and business banking fees$18.0M+12.5%
Other customer-related fees$15.0M+7.1%
Wealth management fees$13.0M0.0%

By segment

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Zions Bank$48.0M+6.7%

FAQ

When did Zions Bancorporation report Q2 2025 earnings?
Zions Bancorporation (ZION) reported Q2 2025 earnings on July 21, 2025 after market close.
What were Zions Bancorporation's Q2 2025 revenue and EPS?
Zions Bancorporation reported revenue of $838.0M and eps of $1.58 for Q2 2025.
Did Zions Bancorporation beat estimates in Q2 2025?
Revenue beat the consensus estimate of $810.9M by $27.1M. EPS beat the consensus estimate of $1.31 by $0.27.
How did Zions Bancorporation's Q2 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 9.3% from $767.0M a year earlier and eps grew 22.5% from $1.29.
Where can I find Zions Bancorporation's Q2 2025 SEC filings?
You can read the 8-K earnings release (0000109380-25-000094) and the 10-Q periodic report (0000109380-25-000102) directly on SEC EDGAR. The filing index links above go to sec.gov.