For the quarter ended September 2025, Zions (ZION) reported revenue of $872 million, up 8.5% over the same period last year. EPS came in at $1.54, compared to $1.37 in the year-ago quarter.
The reported revenue compares to the Zacks Consensus Estimate of $845.49 million, representing a surprise of +3.14%. The company delivered an EPS surprise of +29.41%, with the consensus EPS estimate being $1.19.
While investors scrutinize revenue and earnings changes year-over-year and how they compare with Wall Street expectations to determine their next move, some key metrics always offer a more accurate picture of a company's financial health.
Since these metrics play a crucial role in driving the top- and bottom-line numbers, comparing them with the year-ago numbers and what analysts estimated about them helps investors better project a stock's price performance.
Here is how Zions performed in the just reported quarter in terms of the metrics most widely monitored and projected by Wall Street analysts:
- Net interest margin: 3.3% versus 3.2% estimated by seven analysts on average.
- Net charge-offs to average loans and leases: 0.4% versus the seven-analyst average estimate of 0.2%.
- Efficiency Ratio: 59.6% versus the six-analyst average estimate of 62.6%.
- Average balance - Total interest-earning assets: $82.78 billion versus $83.67 billion estimated by five analysts on average.
- Total nonperforming assets: $324 million versus the four-analyst average estimate of $319.28 million.
- Tier 1 leverage ratio: 8.8% compared to the 8.5% average estimate based on four analysts.
- Total nonaccrual Loan: $319 million versus the four-analyst average estimate of $314.4 million.
- Total risk-based capital ratio: 13.7% versus 13.4% estimated by three analysts on average.
- Tier 1 risk-based capital ratio: 11.4% compared to the 11.1% average estimate based on three analysts.
- Total Noninterest Income: $189 million versus the seven-analyst average estimate of $174.09 million.
- Commercial account fees: $47 million compared to the $46.36 million average estimate based on five analysts.
- Other customer-related fees: $15 million versus the five-analyst average estimate of $13.81 million.
View all Key Company Metrics for Zions here>>>
Shares of Zions have returned -15.4% over the past month versus the Zacks S&P 500 composite's +1.1% change. The stock currently has a Zacks Rank #3 (Hold), indicating that it could perform in line with the broader market in the near term.
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Zions Bancorporation, N.A. (ZION): Free Stock Analysis ReportThis article originally published on Zacks Investment Research (zacks.com).
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