Zions Bancorp Reports Higher Q2 Profit
ByAinvest
Tuesday, Jul 22, 2025 1:17 am ET1min read
ZION--
Zions Bancorp reported robust financial performance for the second quarter of 2025, with a profit of $243 million, or $1.63 per share, compared to $190 million, or $1.28 per share, during the same period last year. This represents a significant increase in earnings and earnings per share (EPS).
The company's net interest margin expanded for the sixth consecutive quarter, reaching 3.17%, driven by lower funding costs and an improved earning asset mix. Pre-provision net revenue also rose by 18% quarter-over-quarter and 14% year-over-year, demonstrating strong revenue growth outpacing expense growth. The efficiency ratio improved to 62.2%, indicating enhanced operational efficiency.
Zions Bancorp launched new financial products, including a consumer gold account offering in Nevada, which has seen a 78% increase in sales compared to its predecessor. The company also expanded its small business loan program, contributing to a 91% increase in SBA loans booked in the first nine months of the SBA's 2025 fiscal year.
The stock experienced a slight increase of 0.35% in after-hours trading following the earnings announcement, reflecting positive investor sentiment. The company's market capitalization stands at $3.41 billion, with revenue growth of 6.44% over the last twelve months. InvestingPro analysis indicates that Zions Bancorp is currently undervalued, showing strong returns over both one-month and three-month periods.
Looking ahead, Zions Bancorp anticipates a moderate increase in net interest income for 2026, supported by expected Federal Reserve rate cuts. The company projects positive operating leverage and a slight increase in loan growth, driven primarily by commercial loans. The stock's beta of 0.88 indicates lower volatility compared to the broader market.
References
[1] https://www.investing.com/news/transcripts/earnings-call-transcript-zions-bancorporation-beats-q2-2025-expectations-93CH-4144895
Zions Bancorp reported a Q2 profit of $243 million, or $1.63 per share, compared to $190 million, or $1.28 per share, last year. This represents a rise in earnings and EPS.
Title: Zions Bancorp Posts Strong Q2 2025 EarningsZions Bancorp reported robust financial performance for the second quarter of 2025, with a profit of $243 million, or $1.63 per share, compared to $190 million, or $1.28 per share, during the same period last year. This represents a significant increase in earnings and earnings per share (EPS).
The company's net interest margin expanded for the sixth consecutive quarter, reaching 3.17%, driven by lower funding costs and an improved earning asset mix. Pre-provision net revenue also rose by 18% quarter-over-quarter and 14% year-over-year, demonstrating strong revenue growth outpacing expense growth. The efficiency ratio improved to 62.2%, indicating enhanced operational efficiency.
Zions Bancorp launched new financial products, including a consumer gold account offering in Nevada, which has seen a 78% increase in sales compared to its predecessor. The company also expanded its small business loan program, contributing to a 91% increase in SBA loans booked in the first nine months of the SBA's 2025 fiscal year.
The stock experienced a slight increase of 0.35% in after-hours trading following the earnings announcement, reflecting positive investor sentiment. The company's market capitalization stands at $3.41 billion, with revenue growth of 6.44% over the last twelve months. InvestingPro analysis indicates that Zions Bancorp is currently undervalued, showing strong returns over both one-month and three-month periods.
Looking ahead, Zions Bancorp anticipates a moderate increase in net interest income for 2026, supported by expected Federal Reserve rate cuts. The company projects positive operating leverage and a slight increase in loan growth, driven primarily by commercial loans. The stock's beta of 0.88 indicates lower volatility compared to the broader market.
References
[1] https://www.investing.com/news/transcripts/earnings-call-transcript-zions-bancorporation-beats-q2-2025-expectations-93CH-4144895
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