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Zions Bancorporation National Association reported third quarter 2026 net income of US$263 million and GAAP earnings of US$1.78 per share, with net interest income of US$684 million and net charge offs of US$3 million, compared with US$56 million a year earlier.
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Credit costs appeared subdued during the quarter, as very low net charge offs coincided with growing earnings and completion of the Basis Multifamily Finance I, LLC acquisition, which broadens Zions Bancorporation National Association's commercial real estate capabilities.
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This analysis will explore how Zions Bancorporation National Association's low net charge offs and stronger earnings may influence the existing investment narrative around fee growth.
See how Zions Bancorporation National Association compares on credit quality and earnings resilience next to a curated 32 resilient stocks with low risk scores that have kept risk scores in focus.
Zions Bancorporation National Association Investment Narrative Recap
To own Zions Bancorporation National Association, you need to believe its mix of fee businesses, disciplined underwriting and tech investments can offset slower revenue expectations and intense deposit competition. The latest quarter supports that operating story. Net income of US$263 million and earnings of US$1.78 per share came alongside very low net charge offs of US$3 million.
In the near term, the key swing factor remains how net interest income and deposit costs evolve while Western US economies stay stable. The biggest risk is still a regional downturn or sharper pricing pressure for funding, which could quickly change today's benign credit metrics and squeeze the earnings base.
The third quarter earnings release is the clearest reference point for this update. Zions Bancorporation National Association reported net interest income of US$684 million for the quarter and US$2,023 million for the first nine months, with nine month net income of US$949 million. Earnings per share from continuing operations for that period reached US$6.40 on a basic basis.
Those results sit alongside a thesis that leans on cost efficiency, digital and AI driven process changes and broader fee income from areas such as capital markets and the multifamily agency platform. Very low recent net charge offs help management stay on the front foot with these plans, although any turn in Western US credit conditions or deposit pricing remains an ongoing execution risk.
How Zions Bancorporation National Association's Forecasts Frame The Next Few Years
Zions Bancorporation National Association's narrative projects US$3.8b revenue and US$949.6 million earnings by 2029. This assumes revenue growth of 1.3% per year and an earnings decrease of about US$250 million from current earnings of roughly US$1.2b.
Uncover how Zions Bancorporation National Association's fair value indicates a 15% potential upside to its current price that may not last much longer.
Exploring Other Perspectives
Three fair value estimates from the Simply Wall St Community span roughly US$72.73 to a very high US$44,072.55 per share, so retail views on Zions Bancorporation National Association vary widely. When you set that against risks around Western US exposure and deposit pricing pressure, there are strong reasons to compare several contrasting viewpoints before deciding how these earnings trends fit your own expectations.
Explore 2 other Zions Bancorporation National Association fair value estimates , including one that suggests it could be worth just $72.73.
The Verdict Is Yours
Don't just follow the ticker. Dig into the data and build a conviction that's truly your own.
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A great starting point for your Zions Bancorporation National Association research is our analysis highlighting 4 key rewards and 2 important warning signs that could impact your investment decision.
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See our latest analysis for Zions Bancorporation National Association. The report includes a comprehensive fundamental analysis summarized in a single visual, the Snowflake, making it easy to evaluate Zions Bancorporation National Association's overall financial health at a glance.
Looking For More Investment Ideas Beyond Zions Bancorporation National Association?
If you want to pressure test your view on Zions Bancorporation National Association against other opportunities, a quick pass through a few focused stock lists can help you see how risk, income and valuation line up across the market.
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If capital preservation is front of mind, compare Zions Bancorporation National Association's profile with a curated 32 resilient stocks with low risk scores that have kept risk scores a primary filter for inclusion.
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If dependable income is a priority, stack its payout against a group of 8 dividend fortresses that combine higher yields with an emphasis on durability.
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If you are hunting for under the radar potential, weigh this bank against a set of 20 high quality undiscovered gems that pair solid fundamentals with relatively low market attention.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
Companies discussed in this article include ZION .
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