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Mar 31, 2025
Zions Q1 2025 Earnings Report
Zions reported increased EPS and net income in Q1 2025, driven by improved net interest margin and stable credit quality.
Key Takeaways
Zions Bancorporation posted solid Q1 2025 results with $169M in net income and a notable 18% YoY increase in EPS. The results were impacted by a tax-related charge but benefited from a stronger net interest margin and strategic branch acquisitions.
Net income reached $169 million, up from $143 million in Q1 2024.
EPS rose 18% YoY to $1.13 despite a one-time tax-related charge.
Acquisition of four branches added $630 million in deposits and $420 million in loans.
Credit quality remained stable with nonperforming assets at 0.51% of loans and leases.
Forward Guidance
Zions anticipates reduced tax burden on securities income and remains cautious amid economic uncertainty.
Positive Outlook
- Tax law change will reduce future taxes on securities income.
- Deferred tax asset charge expected to accrete back into income.
- Credit quality is stable and well-reserved.
- Acquisition expanded presence in California’s Coachella Valley.
- Net interest margin improved by 16 basis points YoY.
Challenges Ahead
- Economic outlook remains uncertain due to tariffs and trade policy risks.
- Charge to income tax expense affected this quarter’s earnings.
- Outlook clouded by potential macroeconomic turbulence.
- Revenue details not fully disclosed in headline report.
Historical Earnings Impact
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Avg. Return Before/After Earnings
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