ZIONS BANCORP NA (NASDAQ:ZION) Surpasses Q4 Earnings and Revenue Estimates

Zions Bancorporation NA (NASDAQ:ZION) delivered a strong finish to its fiscal year, reporting fourth-quarter results that surpassed Wall Street's expectations on both the top and bottom lines. The regional bank's performance, detailed in its earnings release on January 20, 2026, was met with a positive initial reaction in after-hours trading.

Earnings and Revenue Highlights

The bank's fourth-quarter financial results for 2025 showed clear growth, with both earnings and revenue coming in ahead of analyst forecasts.

• Revenue: The company reported sales of $891 million for the quarter, an increase of 8.5% compared to the same period last year. This figure exceeded the analyst consensus estimate of approximately $880 million.
• Earnings Per Share (EPS): On a non-GAAP basis, Zions reported EPS of $1.75. This surpassed the average analyst estimate of $1.59 per share. On a GAAP basis, net earnings applicable to common shareholders were $262 million, or $1.76 per diluted share, a significant increase from $200 million, or $1.34 per share, in the fourth quarter of 2024.

Market Reaction and Recent Performance

The market's immediate response to the earnings beat was favorable. Following the announcement, ZION shares rose approximately 1.96% in after-market trading. This positive move suggests investors were encouraged by the bank's ability to grow revenue and deliver profits above expectations in the current economic environment.

This post-earnings bump contrasts with the stock's performance in the lead-up to the report. Over the past month, the share price had been relatively flat, showing a slight decline of about 0.79%. The more pronounced positive reaction after hours indicates the results provided a catalyst that the market viewed positively.

Summary of Key Press Release Elements

The core announcement centered on the year-over-year and sequential improvement in profitability. Beyond the headline EPS and revenue beats, the press release highlighted a substantial increase in net earnings compared to both the prior year and the preceding third quarter of 2025. The reported $262 million in Q4 net earnings represents a 31% increase from Q4 2024 and an 18.5% increase from Q3 2025. This demonstrates not only recovery but accelerating profitability as the year progressed.

Looking Ahead

While the press release did not provide formal forward-looking guidance, analyst estimates for Zions Bancorporation are already in place. For the upcoming first quarter of 2026, the consensus points to sales of approximately $866 million and revenue of $1.40. For the full 2026 fiscal year, analysts are currently modeling sales around $3.58 billion. Investors will be watching closely to see if the momentum from the strong fourth quarter can be sustained into the new year.

For a detailed breakdown of historical earnings and future analyst estimates for Zions Bancorporation, you can review the data here.

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