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Dec 31, 2025
Zions Q4 2025 Earnings Report
Zions Bancorporation reported higher profitability in Q4 2025 driven by net interest margin expansion and deposit growth.
Key Takeaways
Zions Bancorporation delivered solid Q4 2025 results with a 19% increase in net income from the previous quarter, benefiting from continued margin expansion, higher customer deposits, and low credit losses.
Forward Guidance
For FY2026, Zions expects moderate increases across loan balances, net interest income, and customer-related noninterest income, with positive operating leverage despite rising expenses.
Positive Outlook
- Loan growth led by C&I and owner-occupied CRE
- Net interest income growth from balance sheet remix and asset repricing
- Capital markets and loan-related fees to drive fee income
- Broad-based increase in customer activity
- Ongoing investment in revenue-generating initiatives
Challenges Ahead
- Higher technology costs expected
- Increased marketing and business development expenses
- Noninterest expenses to rise moderately
- Potential margin pressure from expense growth
Historical Earnings Impact
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Avg. Return Before/After Earnings
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