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ZION · Zions Bancorporation, National Association /Ut/ · Earnings Call Transcripts & Audio

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$62.65 +0.04 (+0.06%) At close · Sep 30
S&P 400 member Russell 1000 member Rebalance outlook locked
Market Cap
$9.25B
Shares
145.95M
Volume · Sep 30 1.11M Avg daily vol (3M) 1.53M

Zions Bancorporation, National Association Earnings Call Transcripts

Quarterly earnings calls for Zions Bancorporation, National Association (ZION), with available speaker-labelled transcripts, captured audio replays, call highlights, 8-K earnings releases and periodic filings. Investor days and conferences appear here too.

Pull transcripts and briefs through the earnings call transcript API or MCP →

Revenue & result across quarters

Revenue Net income YoY up YoY down artefacts
▲3.3% $156.00M $217.00M '22 Q3 22-10-24 ▲0.7% $153.00M $284.00M '22 Q4 23-01-23 ▲0% $151.00M $204.00M '23 Q1 23-04-19 ▲5.2% $162.00M $175.00M '23 Q2 23-07-19 ▲0.6% $157.00M $175.00M '23 Q3 23-10-18 ▼4.6% $146.00M $126.00M '23 Q4 24-01-22 ▲0.7% $152.00M $153.00M '24 Q1 24-04-22 ▼4.9% $154.00M $201.00M '24 Q2 24-07-22 ▲2.5% $161.00M $214.00M '24 Q3 24-10-21 ▲17.8% $172.00M $216.00M '24 Q4 25-01-21 ▲3.9% $158.00M $170.00M '25 Q1 25-04-21 ▲6.5% $164.00M $244.00M '25 Q2 25-07-21 ▲1.2% $163.00M $222.00M '25 Q3 25-10-20 ▲2.9% $177.00M $263.00M '25 Q4 26-01-20 ▲8.9% $172.00M $233.00M '26 Q1 26-04-20 LATEST ▲11% $182.00M $453.00M '26 Q2 26-07-20
Conference
Investor event
2026-09-15
Zions Bancorporation, National Association (ZION) September 2026 Conference Transcript
No reported result — non-financial event
Audio Transcript Slides
Earnings call
FY26 · Q2
2026-07-20
Zions Bancorporation, National Association (ZION) Q2 2026 Earnings Call
Revenue
$182.00M
▲ 11% YoY
Diluted EPS
$3.05
▲ 87.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Conference
Investor event
2026-06-09
Zions Bancorporation, National Association (ZION) June 2026 Conference Transcript
No reported result — non-financial event
Audio Transcript Slides
Earnings call
FY26 · Q1
2026-04-20
Zions Bancorporation, National Association (ZION) Q1 2026 Earnings Call Transcript
Positive tone Net interest margin and rates Capital markets franchise Consumer and small business products
Revenue
$172.00M
▲ 8.9% YoY
Diluted EPS
$1.56
▲ 38.1% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q4
2026-01-20
Zions Bancorporation, National Association (ZION) Q4 2025 Earnings Call Transcript
Positive tone Net interest margin and net interest income AI, automation, and outsourcing Economic and rate environment risks
Revenue
$177.00M*
▲ 2.9% YoY
Diluted EPS
$1.76
▲ 31.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY25 · Q3
2025-10-20
Zions Bancorporation, National Association (ZION) Q3 2025 Earnings Call Transcript
Positive tone Securities reinvestment and wholesale funding Commercial real estate portfolio Net interest margin expansion
Revenue
$163.00M
▲ 1.2% YoY
Diluted EPS
$1.48
▲ 8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q2
2025-07-21
Zions Bancorporation, National Association (ZION) Q2 2025 Earnings Call Transcript
Confident tone Net interest margin and net interest income Loan growth outlook Stablecoins / digital assets
Revenue
$164.00M
▲ 6.5% YoY
Diluted EPS
$1.63
▲ 27.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY25 · Q1
2025-04-21
Zions Bancorporation, National Association (ZION) Q1 2025 Earnings Call Transcript
Positive tone CRE portfolio risk Acquisitions and expansion Loan growth outlook
Revenue
$158.00M
▲ 3.9% YoY
Diluted EPS
$1.13
▲ 17.7% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q4
2025-01-21
Zions Bancorporation, National Association (ZION) Q4 2024 Earnings Call Transcript
Confident tone Deposit stability Net interest margin expansion Commercial real estate credit risk
Revenue
$172.00M*
▲ 17.8% YoY
Diluted EPS
$1.34
▲ 71.8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY24 · Q3
2024-10-21
Zions Bancorporation, National Association (ZION) Q3 2024 Earnings Call Transcript
Positive tone Net interest margin and net interest income Credit quality and classified loans Loan growth outlook
Revenue
$161.00M
▲ 2.5% YoY
Diluted EPS
$1.37
▲ 21.2% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q2
2024-07-22
Zions Bancorporation, National Association (ZION) Q2 2024 Earnings Call Transcript
Positive tone Net interest income and margin Credit quality Loan growth and demand
Revenue
$154.00M
▼ 4.9% YoY
Diluted EPS
$1.28
▲ 15.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY24 · Q1
2024-04-22
Zions Bancorporation, National Association (ZION) Q1 2024 Earnings Call Transcript
Positive tone Commercial real estate / multifamily and office Revenue and net interest margin pressure Core deposit system migration
Revenue
$152.00M
▲ 0.7% YoY
Diluted EPS
$0.96
▼ 27.8% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q4
2024-01-22
Zions Bancorporation, National Association (ZION) Q4 2023 Earnings Call Transcript
Balanced tone Net interest margin and funding costs Loan growth outlook Capital markets and non-interest income
Revenue
$146.00M*
▼ 4.6% YoY
Diluted EPS
$0.78
▼ 57.6% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY23 · Q3
2023-10-18
Zions Bancorporation, National Association (ZION) Q3 2023 Earnings Call Transcript
Revenue
$157.00M
▲ 0.6% YoY
Diluted EPS
$1.13
▼ 19.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q2
2023-07-19
Zions Bancorporation, National Association (ZION) Q2 2023 Earnings Call Transcript
Revenue
$162.00M
▲ 5.2% YoY
Diluted EPS
$1.11
▼ 14% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY23 · Q1
2023-04-19
Zions Bancorporation, National Association (ZION) Q1 2023 Earnings Call Transcript
Revenue
$151.00M
▲ 0% YoY
Diluted EPS
$1.33
▲ 4.7% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q4
2023-01-23
Zions Bancorporation, National Association (ZION) Q4 2022 Earnings Call Transcript
Revenue
$153.00M*
▲ 0.7% YoY
Diluted EPS
$1.84
▲ 37.3% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY22 · Q3
2022-10-24
Zions Bancorporation, National Association (ZION) Q3 2022 Earnings Call Transcript
Revenue
$156.00M
▲ 3.3% YoY
Diluted EPS
$1.40
▼ 3.4% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q2
2022-07-26
Zions Bancorporation, National Association (ZION) Q2 2022 Earnings Call Transcript
Revenue
$154.00M
▲ 10.8% YoY
Diluted EPS
$1.29
▼ 38% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY22 · Q1
2022-04-25
Zions Bancorporation, National Association (ZION) Q1 2022 Earnings Call Transcript
Revenue
$151.00M
▲ 13.5% YoY
Diluted EPS
$1.27
▼ 33.2% YoY
Rev · 8q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q4
2022-01-24
Zions Bancorporation, National Association (ZION) Q4 2021 Earnings Call Transcript
Revenue
$152.00M*
▲ 10.9% YoY
Diluted EPS
$1.34
▼ 19.3% YoY
Rev · 7q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY21 · Q3
2021-10-18
Zions Bancorporation, National Association (ZION) Q3 2021 Earnings Call Transcript
Revenue
$151.00M
▲ 8.6% YoY
Diluted EPS
$1.45
▲ 43.6% YoY
Rev · 7q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q2
2021-07-19
Zions Bancorporation, National Association (ZION) Q2 2021 Earnings Call Transcript
Revenue
$139.00M
▲ 6.9% YoY
Diluted EPS
$2.08
▲ 511.8% YoY
Rev · 6q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY21 · Q1
2021-04-19
Zions Bancorporation, National Association (ZION) Q1 2021 Earnings Call Transcript
Revenue
$133.00M
▼ 7% YoY
Diluted EPS
$1.90
▲ 4650% YoY
Rev · 5q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q4
2021-01-19
Zions Bancorporation, National Association (ZION) Q4 2020 Earnings Call Transcript
Revenue
$137.00M*
Diluted EPS
$1.66
▲ 71.1% YoY
Rev · 4q Trailing quarterly revenue
Audio Transcript Slides 8-K10-K
Earnings call
FY20 · Q3
2020-10-19
Zions Bancorporation, National Association (ZION) Q3 2020 Earnings Call Transcript
Revenue
$139.00M
▼ 0.7% YoY
Diluted EPS
$1.01
▼ 13.7% YoY
Rev · 4q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q2
2020-07-20
Zions Bancorporation, National Association (ZION) Q2 2020 Earnings Call Transcript
Revenue
$130.00M
Diluted EPS
$0.34
▼ 65.7% YoY
Rev · 3q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY20 · Q1
2020-04-20
Zions Bancorporation, National Association (ZION) Q1 2020 Earnings Call Transcript
Revenue
$143.00M
Diluted EPS
$0.04
▼ 96.2% YoY
Rev · 2q Trailing quarterly revenue
Audio Transcript Slides 8-K10-Q
Earnings call
FY19 · Q4
2020-01-21
Zions Bancorporation, National Association (ZION) Q4 2019 Earnings Call
Diluted EPS
$0.97
▼ 10.2% YoY
Audio Transcript Slides 8-K10-K
Showing 1–29 of 29 earnings calls
Key facts CIK 109380 CUSIP 989701107 13F (30d) 9 filings 9 filers Visit website Investor relations