Compared to Estimates, Zions (ZION) Q2 Earnings: A Look at Key Metrics

Core Insights - Zions (ZION) reported revenue of $851 million for the quarter ended June 2025, reflecting an 8.1% increase year-over-year, with EPS at $1.58 compared to $1.21 in the same quarter last year [1] - The revenue exceeded the Zacks Consensus Estimate of $815.47 million by 4.36%, and the EPS surpassed the consensus estimate of $1.31 by 20.61% [1] Financial Performance Metrics - Net interest margin was reported at 3.2%, slightly above the average estimate of 3.1% [4] - Net charge-offs to average loans and leases remained stable at 0.1%, matching the average estimate [4] - Average balance of total interest-earning assets was $83.57 billion, exceeding the estimated $82.57 billion [4] - Efficiency Ratio was reported at 62.2%, better than the estimated 64.4% [4] - Total nonaccrual loans were $308 million, slightly above the estimate of $307.16 million [4] - Total nonperforming assets were $313 million, compared to the average estimate of $310.07 million [4] - Tier 1 leverage ratio was 8.5%, below the estimated 8.8% [4] - Tier 1 risk-based capital ratio was 11.1%, below the estimated 11.4% [4] - Total risk-based capital ratio was 13.4%, slightly below the estimate of 13.5% [4] - Total noninterest income was $190 million, exceeding the average estimate of $168.11 million [4] - Dividends and other income (loss) were reported at $12 million, above the estimate of $8.27 million [4] - Taxable-equivalent net interest income was $661 million, surpassing the average estimate of $647.8 million [4] Stock Performance - Zions shares returned +16.9% over the past month, outperforming the Zacks S&P 500 composite's +5.4% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating expected performance in line with the broader market [3]