ZION · Zions Bancorporation, National Association /Ut/
$72.20
+0.59 (+0.82%)
At close · Aug 14
Market Cap
$10.54B
Shares
145.95M
Zions Bancorporation, National Association Earnings Call Transcripts
Every quarterly earnings call for Zions Bancorporation, National Association (ZION) — the full transcript with speaker labels, the audio replay, AI call highlights and a management-tone score, plus the matching 8-K earnings release and the quarter's 10-Q or 10-K. Investor days and conferences appear here too.
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
Earnings call
FY26 · Q2
2026-07-20
Second Quarter 2026 Earnings Results
Revenue
$182.00M
▲ 11% YoY Diluted EPS
$3.05
▲ 87.1% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Conference
Investor event
2026-06-09
Morgan Stanley US Financials Conference
No reported result — non-financial event
Audio
Transcript
Slides
Earnings call
FY26 · Q1
2026-04-20
Zions Bancorporation, National Association /Ut/ Q1 FY2026 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q4
2026-01-20
Zions Bancorporation, National Association /Ut/ Q4 FY2025 Earnings Call
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
Audio
Transcript
Slides
8-K10-K
Earnings call
FY25 · Q3
2025-10-20
Zions Bancorporation, National Association /Ut/ Q3 FY2025 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q2
2025-07-21
Zions Bancorporation, National Association /Ut/ Q2 FY2025 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY25 · Q1
2025-04-21
Zions Bancorporation, National Association /Ut/ Q1 FY2025 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q4
2025-01-21
Zions Bancorporation, National Association /Ut/ Q4 FY2024 Earnings Call
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
Audio
Transcript
Slides
8-K10-K
Earnings call
FY24 · Q3
2024-10-21
Zions Bancorporation, National Association /Ut/ Q3 FY2024 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q2
2024-07-22
Zions Bancorporation, National Association /Ut/ Q2 FY2024 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY24 · Q1
2024-04-22
Zions Bancorporation, National Association /Ut/ Q1 FY2024 Earnings Call
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
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q4
2024-01-22
Zions Bancorporation, National Association /Ut/ Q4 FY2023 Earnings Call
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
Audio
Transcript
Slides
8-K10-K
Earnings call
FY23 · Q3
2023-10-18
Zions Bancorporation, National Association /Ut/ Q3 FY2023 Earnings Call
Revenue
$157.00M
▲ 0.6% YoY Diluted EPS
$1.13
▼ 19.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q2
2023-07-19
Zions Bancorporation, National Association /Ut/ Q2 FY2023 Earnings Call
Revenue
$162.00M
▲ 5.2% YoY Diluted EPS
$1.11
▼ 14% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY23 · Q1
2023-04-19
Zions Bancorporation, National Association /Ut/ Q1 FY2023 Earnings Call
Revenue
$151.00M
▲ 0% YoY Diluted EPS
$1.33
▲ 4.7% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q4
2023-01-23
Zions Bancorporation, National Association /Ut/ Q4 FY2022 Earnings Call
Revenue
$153.00M*
▲ 0.7% YoY Diluted EPS
$1.84
▲ 37.3% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY22 · Q3
2022-10-24
Zions Bancorporation, National Association /Ut/ Q3 FY2022 Earnings Call
Revenue
$156.00M
▲ 3.3% YoY Diluted EPS
$1.40
▼ 3.4% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q2
2022-07-26
Zions Bancorporation, National Association /Ut/ Q2 FY2022 Earnings Call
Revenue
$154.00M
▲ 10.8% YoY Diluted EPS
$1.29
▼ 38% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY22 · Q1
2022-04-25
Zions Bancorporation, National Association /Ut/ Q1 FY2022 Earnings Call
Revenue
$151.00M
▲ 13.5% YoY Diluted EPS
$1.27
▼ 33.2% YoY
Rev · 8q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q4
2022-01-24
Zions Bancorporation, National Association /Ut/ Q4 FY2021 Earnings Call
Revenue
$152.00M*
▲ 10.9% YoY Diluted EPS
$1.34
▼ 19.3% YoY
Rev · 7q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY21 · Q3
2021-10-18
Zions Bancorporation, National Association /Ut/ Q3 FY2021 Earnings Call
Revenue
$151.00M
▲ 8.6% YoY Diluted EPS
$1.45
▲ 43.6% YoY
Rev · 7q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q2
2021-07-19
Zions Bancorporation, National Association /Ut/ Q2 FY2021 Earnings Call
Revenue
$139.00M
▲ 6.9% YoY Diluted EPS
$2.08
▲ 511.8% YoY
Rev · 6q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY21 · Q1
2021-04-19
Zions Bancorporation, National Association /Ut/ Q1 FY2021 Earnings Call
Revenue
$133.00M
▼ 7% YoY Diluted EPS
$1.90
▲ 4650% YoY
Rev · 5q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q4
2021-01-19
Zions Bancorporation, National Association /Ut/ Q4 FY2020 Earnings Call
Revenue
$137.00M*
Diluted EPS
$1.66
▲ 71.1% YoY
Rev · 4q
Audio
Transcript
Slides
8-K10-K
Earnings call
FY20 · Q3
2020-10-19
Zions Bancorporation, National Association /Ut/ Q3 FY2020 Earnings Call
Revenue
$139.00M
▼ 0.7% YoY Diluted EPS
$1.01
▼ 13.7% YoY
Rev · 4q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q2
2020-07-20
Zions Bancorporation, National Association /Ut/ Q2 FY2020 Earnings Call
Revenue
$130.00M
Diluted EPS
$0.34
▼ 65.7% YoY
Rev · 3q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY20 · Q1
2020-04-20
Zions Bancorporation, National Association /Ut/ Q1 FY2020 Earnings Call
Revenue
$143.00M
Diluted EPS
$0.04
▼ 96.2% YoY
Rev · 2q
Audio
Transcript
Slides
8-K10-Q
Earnings call
FY19 · Q4
2020-01-21
Zions Bancorporation, National Association /Ut/ Q4 FY2019 Earnings Call
Diluted EPS
$0.97
▼ 10.2% YoY
Audio
Transcript
Slides
8-K10-K
Showing 1–28 of 28 earnings calls
Key facts
CIK
109380
CUSIP
989701107
13F (30d)
575 filings
542 filers
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