Zions Bancorporation (ZION) Reports 31% Earnings Growth in Q4 2025 with Capital Distribution Outlook
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1h ago
0mins
Source: seekingalpha
- Significant Earnings Growth: Zions Bancorporation reported fourth-quarter earnings of $262 million, reflecting a 19% increase from the prior quarter and a 31% rise year-over-year, driven by strong revenue growth and notably lower provisions for credit losses.
- Net Interest Margin Expansion: The net interest margin expanded for the eighth consecutive quarter to 3.31%, with customer deposits growing at an annualized rate of 9% and period-end loan balances increasing by $615 million, indicating successful strategies in managing funding costs and loan growth.
- Optimistic Capital Distribution Outlook: Management anticipates accelerating capital distributions in the second half of 2026, supported by a 21% year-over-year increase in tangible book value per share, positioning the company to enhance its capital distribution capabilities.
- Expense Control with Growth Investments: Adjusted noninterest expenses reached $548 million, but excluding the $15 million charitable donation, expenses only increased by 2% from the prior quarter, demonstrating effective cost control while continuing to invest in marketing and technology.
Analyst Views on ZION
Wall Street analysts forecast ZION stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for ZION is 64.00 USD with a low forecast of 58.00 USD and a high forecast of 70.00 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
21 Analyst Rating
4 Buy
16 Hold
1 Sell
Hold
Current: 59.620
Low
58.00
Averages
64.00
High
70.00
Current: 59.620
Low
58.00
Averages
64.00
High
70.00
About ZION
Zions Bancorporation, National Association (the Bank) is a provider of financial services. It provides a range of banking products and related services, primarily in the states of Arizona, California, Colorado, Idaho, Nevada, New Mexico, Oregon, Texas, Utah, Washington, and Wyoming. It conducts its operations primarily through seven managed and geographically defined bank divisions, each with its own local branding and management. Its products and services include commercial and small business banking, capital markets and investment banking, commercial real estate lending, retail banking, and wealth management. Its commercial small business banking products and services include commercial and industrial and owner-occupied lending and leasing, municipal and public finance services, corporate trust services, and others. Its capital markets and investment banking include loan syndications, fixed income securities underwriting, advisory and capital raising, and Power and project financing.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
