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Zions Bancorporation ZION Q3 2025 earnings

Reported October 20, 2025 · After market close

Revenue$861.0MBeat by $17.9M
EPS$1.54Beat by $0.08
Revenue estimate$843.1M
EPS estimate$1.46

Next report

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

Financials

Q3 2025

Income statement

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Revenue$861.0M+8.7%
Net income$222.0M+3.7%
EPS (diluted)$1.48+8.0%

Balance sheet

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Total debt$1.7B+134%
Total equity$6.9B+7.5%
Total assets$88.5B+1.7%

Cash flow

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Operating cash flow$438.0M+268%
CapEx$25.0M+13.6%
Free cash flow$413.0M+326%

Valuation & ratios

Valuation

as of 09/30/25
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Market cap$8.35B+20.2%
Enterprise value$10.08B+31.2%
P/E9.8×-0.2×
P/S2.5×+0.2×

Profitability

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Net margin25.7%+2.9pp
FCF margin31.8%—

Returns & leverage

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Return on equity12.9%+1.0pp
Debt / equity0.3×+0.1×

Segments

By product

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Commercial account fees$47.0M+2.2%
Card fees$35.0M-2.8%
Retail and business banking fees$19.0M+11.8%
Other customer-related fees$15.0M+7.1%
Wealth management fees$13.0M0.0%

By segment

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Zions Bank$49.0M+6.5%

FAQ

When did Zions Bancorporation report Q3 2025 earnings?
Zions Bancorporation (ZION) reported Q3 2025 earnings on October 20, 2025 after market close.
What were Zions Bancorporation's Q3 2025 revenue and EPS?
Zions Bancorporation reported revenue of $861.0M and eps of $1.54 for Q3 2025.
Did Zions Bancorporation beat estimates in Q3 2025?
Revenue beat the consensus estimate of $843.1M by $17.9M. EPS beat the consensus estimate of $1.46 by $0.08.
How did Zions Bancorporation's Q3 2025 results compare year-over-year?
Compared to the same quarter a year prior, revenue grew 8.7% from $792.0M a year earlier and eps grew 12.4% from $1.37.
Where can I find Zions Bancorporation's Q3 2025 SEC filings?
You can read the 8-K earnings release (0000109380-25-000124) and the 10-Q periodic report (0000109380-25-000129) directly on SEC EDGAR. The filing index links above go to sec.gov.