Zions (ZION) Q3 Earnings and Revenues Beat Estimates

Core Viewpoint - Zions (ZION) reported quarterly earnings of $1.54 per share, exceeding the Zacks Consensus Estimate of $1.19 per share, and showing an increase from $1.37 per share a year ago, indicating a strong earnings surprise of +29.41% [1][2] Financial Performance - The company achieved revenues of $872 million for the quarter ended September 2025, surpassing the Zacks Consensus Estimate by 3.14% and up from $804 million year-over-year [2] - Over the last four quarters, Zions has consistently surpassed consensus EPS estimates and topped revenue estimates three times [2] Stock Performance and Outlook - Zions shares have declined approximately 8.4% year-to-date, contrasting with the S&P 500's gain of 13.3% [3] - The company's future stock performance will largely depend on management's commentary during the earnings call and the trends in earnings estimate revisions [3][4] Earnings Estimates - The current consensus EPS estimate for the upcoming quarter is $1.47, with projected revenues of $858.26 million, and for the current fiscal year, the estimate is $5.68 on $3.35 billion in revenues [7] - The estimate revisions trend for Zions was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold), indicating expected performance in line with the market [6] Industry Context - The Zacks Industry Rank for Banks - West is currently in the bottom 35% of over 250 Zacks industries, suggesting that the industry outlook may significantly impact Zions' stock performance [8]