Zions (ZION) reported $806 million in revenue for the quarter ended March 2025, representing a year-over-year increase of 7.2%. EPS of $1.24 for the same period compares to $1.03 a year ago.
The reported revenue compares to the Zacks Consensus Estimate of $808.26 million, representing a surprise of -0.28%. The company delivered an EPS surprise of +3.33%, with the consensus EPS estimate being $1.20.
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: 3.1% versus the five-analyst average estimate of 3.1%.
- Average balance - Total interest-earning assets: $83 billion versus $83.09 billion estimated by four analysts on average.
- Efficiency Ratio: 66.6% compared to the 65.5% average estimate based on four analysts.
- Net charge-offs to average loans and leases: 0.1% versus 0.2% estimated by four analysts on average.
- Total nonperforming assets: $307 million compared to the $292.62 million average estimate based on three analysts.
- Tier 1 leverage ratio: 8.4% compared to the 8.6% average estimate based on three analysts.
- Tier 1 risk-based capital ratio: 10.9% versus the three-analyst average estimate of 11.4%.
- Total risk-based capital ratio: 13.3% compared to the 13.4% average estimate based on three analysts.
- Total nonaccrual Loan: $305 million versus the three-analyst average estimate of $287.48 million.
- Total Noninterest Income: $171 million versus $169.93 million estimated by five analysts on average.
- Commercial account fees: $45 million versus the four-analyst average estimate of $46.06 million.
- Other customer-related fees: $14 million versus $14.51 million estimated by four analysts on average.
View all Key Company Metrics for Zions here>>>
Shares of Zions have returned -10.6% over the past month versus the Zacks S&P 500 composite's -5.6% 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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