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

Zions Bancorporation: Q4 2025 earnings rise to $262 million, $1.76 per diluted share

Positive Impact 3 of 5 earnings Written later

Zions Bancorporation reported fourth quarter 2025 net earnings of $262 million, or $1.76 per diluted share, up from $200 million, or $1.34, a year earlier. Net interest income rose 9% to $683 million, and full-year 2025 net earnings reached $895 million, or $6.01 per diluted share, compared with $4.95 in 2024. Results include a $15 million charitable contribution, and management is hosting a conference call at 5:30 p.m. Eastern Time on January 20, 2026.

Key points

  • Q4 2025 net earnings were $262 million, or $1.76 per diluted share, compared with $200 million, or $1.34, in Q4 2024 and $221 million, or $1.48, in Q3 2025.
  • Net interest margin was 3.31%, compared with 3.05% a year earlier; net interest income was $683 million, up 9%.
  • Noninterest expense was $546 million, up 7%, including a $15 million charitable contribution to the Zions Bancorporation Foundation.
  • Full-year 2025 net earnings were $895 million, or $6.01 per diluted share, versus $737 million, or $4.95, in 2024.

The filing

CompanyZions Bancorporation (ZION)
Form8-K, current report
Filed with the SECJan 20, 2026, 4:09 PM ET
Accession number0000109380-26-000009

Items reported: 2.02 Results of Operations

Read the filing on SEC.gov ↗

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 20, 2026.

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.