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AI brief of an SEC Form 8-K · Zions Bancorporation (ZION)

Zions Q1 net earnings rise to $169 million, EPS $1.13 from $0.96 a year earlier

Positive Impact 3 of 5 earnings Written later

Zions Bancorporation reported first-quarter 2025 net earnings of $169 million, or $1.13 per diluted share, up from $143 million and $0.96 a year earlier but down from $200 million and $1.34 in the fourth quarter of 2024. Results include a $16 million, or $0.11 per share, income tax charge from revaluing deferred tax assets after new state tax legislation, and the company said the tax law change will reduce taxes on securities income in future periods.

Key points

  • Net earnings $169 million and diluted EPS $1.13, versus $143 million and $0.96 in Q1 2024 and $200 million and $1.34 in Q4 2024
  • Net interest margin 3.10%, compared with 2.94% a year earlier
  • Additional income tax expense of $16 million, or $0.11 per share, from revaluation of deferred tax assets
  • Estimated CET1 capital ratio 10.8%, compared with 10.4%; four California branches acquired from FirstBank added about $630 million in deposits and $420 million in loans

The filing

CompanyZions Bancorporation (ZION)
Form8-K, current report
Filed with the SECApr 21, 2025, 4:08 PM ET
Accession number0000109380-25-000060

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

Written by AI on Nov 8, 2026, 1:17 AM ET, from this filing 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 April 21, 2025.

Briefs are written by AI from the filing text and can contain mistakes — open the filing before acting on anything. Impact (1-5) and tone are the AI's reading of the filing for shareholders, not a price forecast. Not investment advice.