Zions (ZION) Q3 Earnings: Taking a Look at Key Metrics Versus Estimates

Core Insights - Zions (ZION) reported revenue of $872 million for the quarter ended September 2025, reflecting an 8.5% increase year-over-year, with EPS at $1.54 compared to $1.37 in the previous year [1] - The revenue exceeded the Zacks Consensus Estimate of $845.49 million by 3.14%, and the EPS surpassed the consensus estimate of $1.19 by 29.41% [1] Financial Performance Metrics - Net interest margin was reported at 3.3%, slightly above the estimated 3.2% [4] - Net charge-offs to average loans and leases were 0.4%, higher than the average estimate of 0.2% [4] - Efficiency Ratio stood at 59.6%, better than the estimated 62.6% [4] - Average balance of total interest-earning assets was $82.78 billion, below the estimated $83.67 billion [4] - Total nonperforming assets were $324 million, slightly above the average estimate of $319.28 million [4] - Tier 1 leverage ratio was 8.8%, exceeding the average estimate of 8.5% [4] - Total nonaccrual loans were $319 million, compared to the average estimate of $314.4 million [4] - Total risk-based capital ratio was 13.7%, above the estimated 13.4% [4] - Tier 1 risk-based capital ratio was 11.4%, higher than the average estimate of 11.1% [4] - Total noninterest income reached $189 million, surpassing the average estimate of $174.09 million [4] - Commercial account fees were $47 million, slightly above the average estimate of $46.36 million [4] - Other customer-related fees totaled $15 million, exceeding the average estimate of $13.81 million [4] Stock Performance - Zions shares have returned -15.4% over the past month, contrasting with the Zacks S&P 500 composite's +1.1% change [3] - The stock currently holds a Zacks Rank 3 (Hold), indicating potential performance in line with the broader market in the near term [3]