Zions Bancorp NA (NASDAQ:ZION) Q3 2025 Earnings Beat Estimates

Zions Bancorp NA (NASDAQ:ZION) has released its third-quarter 2025 financial results, revealing a performance that exceeded analyst expectations on key profitability and revenue metrics. The earnings report, which was disseminated via press release on October 20, 2025, has been met with a notable positive reaction in after-market trading, suggesting investor approval of the bank's quarterly achievements.

Earnings and Revenue Versus Estimates

The bank's financial performance for the quarter demonstrated strength relative to the forecasts established by market analysts. The reported figures show a clear outperformance, particularly in earnings per share, which is a closely watched indicator of profitability.

• Non-GAAP Earnings Per Share (EPS): Reported $1.54, surpassing the analyst estimate of $1.4975.
• Revenue: Reported $872 million, coming in above the analyst estimate of approximately $860.48 million.

This double beat on both the top and bottom lines indicates effective management and operational efficiency during the quarter. The earnings per share of $1.48 on a GAAP basis also represents a significant increase from the $1.37 reported in the same quarter of the previous year.

Market Reaction

The immediate market response to the earnings release has been decisively positive. Following the announcement, Zions Bancorp NA's stock experienced an after-market surge of over 3%. This price action stands in stark contrast to the stock's performance over recent weeks, which had seen a decline. The sharp upward move in after-hours trading indicates that investors are rewarding the company for its stronger-than-anticipated quarterly results, potentially viewing the previous sell-off as an overreaction to other news.

Summary of Press Release

The core announcement from Zions detailed its third-quarter 2025 net earnings applicable to common shareholders. The bank reported GAAP earnings of $221 million, or $1.48 per diluted share. This represents an increase from the $204 million, or $1.37 per share, earned in the third quarter of 2024. However, it also reflects a sequential decrease from the second quarter of 2025, during which the bank reported $243 million, or $1.63 per share. The press release primarily served to communicate these fundamental results without providing a specific forward-looking financial outlook for the coming periods.

Analyst Estimates and Context

Looking ahead, analyst estimates provide a benchmark for future performance. For the upcoming fourth quarter of 2025, the consensus among analysts is for revenue of approximately $872.94 million and earnings per share of around $1.53. For the full 2025 year, revenue is estimated to be around $3.40 billion. The absence of formal guidance from the company in its press release means that these analyst projections will serve as a key reference point for investors gauging the bank's trajectory. Recent news headlines suggesting analyst upgrades following a period of weakness appear to align with the positive sentiment generated by this earnings beat.

For a detailed breakdown of historical earnings, future estimates, and analyst ratings, you can review the data available on the ZION earnings and estimates page.

Disclaimer: This article is for informational purposes only and is not intended as investment advice. The author has no position in the stock mentioned. All investment decisions should be based on your own research, financial circumstances, and risk tolerance.