Z ZION

Zions Bancorporation N.A

$58.13

-0.22% ($0.13)

Volume 1.36M

52W High $66.18

52W Low $39.32

Market Cap $8.64B

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What to Watch This Quarter

Based on historical data

Consensus EPS

$1.42

Whisper EPS

$1.53

7.7% above consensus

Last Quarter

$1.76

Current Streak

3 Beats

Avg Surprise (4Q)

+10.77%

Next Earnings Report

Reports in 13 days

Report Date Apr 20, 2026

Time AMC

Whisper Spread +7.70%

Consensus Estimate

$1.42

Official analyst average

Whisper Number

$1.53

What traders expect

Bullish Sentiment: The whisper number is 7.7% above consensus, suggesting traders expect a strong beat. The stock may be priced for upside surprise.

Price Chart

EPS History: Consensus vs Actual

Last 12 quarters

Price Movement Around Earnings

Q4 2025 Jan 20, 2026

1-Day: +4.21%

Q3 2025 Oct 20, 2025

1-Day: +1.39%

Q2 2025 Jul 21, 2025

1-Day: +0.46%

Q1 2025 Apr 21, 2025

1-Day: -1.12%

Revenue & Financial Performance

Revenue Whisper

$1.31B

TWN Proprietary Estimate

Last Quarter Revenue

$1.25B

-0.3% YoY

Gross Margin

70.9%

Net Margin: 21.0%

Quarter	Revenue	YoY Growth	Gross Margin	Op Margin	Net Income
Q4'25	$1.25B	-0.3%	70.9%	27.1%	$263.0M
Q3'25	$1.25B	-1.8%	64.8%	22.8%	$222.0M
Q2'25	$1.24B	-0.2%	67.6%	25.1%	$244.0M
Q1'25	$1.20B	-0.9%	64.8%	19.9%	$170.0M
Q4'24	$1.26B	+5.6%	62.1%	21.5%	$216.0M
Q3'24	$1.28B	+7.2%	61.1%	21.7%	$214.0M
Q2'24	$1.24B	+6.6%	61.3%	21.1%	$201.0M
Q1'24	$1.21B	+45.8%	60.3%	16.8%	$153.0M

Historical Earnings

Last 12 quarters

Quarter	Date	Consensus	Whisper	Actual EPS	Surprise %	Result
Q4 2025	Jan 20, 2026	$1.57	$1.64	$1.76	+12.10%	Beat
Q3 2025	Oct 20, 2025	$1.39	$1.46	$1.54	+10.79%	Beat
Q2 2025	Jul 21, 2025	$1.31	$1.39	$1.63	+24.43%	Beat
Q1 2025	Apr 21, 2025	$1.18	$1.26	$1.13	-4.24%	Missed
Q4 2024	Jan 21, 2025	$1.25	$1.34	$1.30	+4.00%	Missed
Q3 2024	Oct 21, 2024	$1.17	$1.24	$1.34	+14.53%	Beat
Q2 2024	Jul 22, 2024	$1.10	$1.16	$1.28	+16.36%	Beat
Q1 2024	Apr 22, 2024	$1.00	$1.02	$1.05	+5.00%	Beat
Q4 2023	Jan 22, 2024	$0.83	$1.08	$0.78	-6.02%	Missed
Q3 2023	Oct 18, 2023	$1.16	$1.11	$1.13	-2.59%	Beat
Q2 2023	Jul 19, 2023	$1.09	$1.07	$1.11	+1.83%	Beat
Q1 2023	Apr 19, 2023	$1.51	$1.56	$1.33	-11.92%	Missed