Zions Bancorporation Q4 net earnings rise to $200 million, EPS $1.34 from $0.78
Zions Bancorporation reported fourth-quarter 2024 net earnings of $200 million, or $1.34 per diluted share, up from $116 million and $0.78 a year earlier but down slightly from $204 million and $1.37 in the third quarter. Net interest income rose 8% to $627 million, and the net interest margin widened to 3.05% from 2.91%, while the provision for credit losses increased to $41 million from less than $1 million.
Key points
- Net earnings applicable to common shareholders were $200 million, versus $116 million in 4Q23 and $204 million in 3Q24.
- Diluted EPS was $1.34, compared with $0.78 in 4Q23 and $1.37 in 3Q24.
- Net interest income was $627 million, up 8%, and net interest margin was 3.05% versus 2.91%.
- Provision for credit losses was $41 million versus less than $1 million; annualized net charge-offs were 0.24% versus 0.06%.
The filing
Written by AI (Anthropic Claude, claude-haiku-5-5) on Nov 8, 2026, 1:17 AM ET, from the text of the filing and its press-release exhibits only. Written later: this filing was briefed after the fact, when past filings were added to the site, so the brief may be read with hindsight; the filing itself is the record of what was known on January 21, 2025.
Briefs are written by AI from the filing text (each brief's own page names the model) and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the model's reading of the filing for shareholders, not a price forecast. Not investment advice.