ZION Zions Bancorporation N A margins

Relative Growth: Rel. Growth:

Relative Strength: Rel. Strength:

Relative Valuation: Rel. Valuation:

Relative Profitability: Rel. Profitability: 91

Gross margin

100%

Operating margin

41.2%

EBITDA margin

44.3%

Net margin

32.2%

For the latest period, Zions Bancorporation N A has a gross margin of 100%, an operating margin of 41.2%, an EBITDA margin of 44.3%, and a net margin of 32.2%. The biggest improvement was in operating margin, up 6.7 percentage points; the remaining margins held steady.

ZION margin history

Gross, operating, EBITDA and net margin trends

Zions Bancorporation N A's margins averaged 100% gross, 33.76% operating, 37.63% EBITDA, and 26.15% net during the last 3 years. Against the three-year averages, operating, EBITDA, and net margins are above their three-year averages.

ZION margin expansion

Year-over-year margin changes in percentage points

From the same period last year, operating margin expanded by 6.7 percentage points, EBITDA margin by 6.2 percentage points, and net margin by 5.6 percentage points, while gross margin was unchanged.

Gross margin expansion

0pp

Operating margin expansion

6.7pp

EBITDA margin expansion

6.2pp

Net margin expansion

5.6pp

ZION Gross margin

The average gross margin for Zions Bancorporation N A was 100% over the last 3 years. Currently, the current gross margin for Zions Bancorporation N A is 100%, in line with its three-year average. The gross margin for Zions Bancorporation N A moved between 100% in Dec 2023 and 100% in Sep 2026.

ZION Operating margin

The average operating margin for Zions Bancorporation N A was 33.76% in the last 3 years. Compared with its three-year average, Zions Bancorporation N A's current operating margin is 41.2% and is 7.4 percentage points above its three-year average. The operating margin for Zions Bancorporation N A moved between 27.7% in Mar 2024 and 41.2% in Sep 2026.

ZION EBITDA margin

Over the last 3 years, Zions Bancorporation N A's EBITDA margin averaged 37.63%. As of the latest period, Zions Bancorporation N A's current EBITDA margin is 44.3%, which is 6.7 percentage points above its three-year average. During this period, EBITDA margin reached a high of 44.3% in Sep 2026 and a low of 32.3% in Mar 2024.

ZION Net margin

Across the last 3 years, Zions Bancorporation N A's net margin averaged 26.15%. Compared with its three-year average, Zions Bancorporation N A's current net margin is 32.2% and is 6.1 percentage points above its three-year average. Net margin was highest at 32.2% in Sep 2026 and lowest at 21.6% in Mar 2024.

ZION margin group comparison

Margins compared with peer-group, industry and sector averages

With a gross margin of 100%, ZION ranks higher than the Financial Services sector and the industry average. In comparison with the Financial Services sector average of 83.5%, Zions Bancorporation N A's gross margin is 20% higher.

ZION margin peer comparison

Compare margins with selected peers

Frequently asked questions

What is Zions Bancorporation N A's gross margin?

As of Sep 30, 2026, ZION has a gross margin of 100%.

What is Zions Bancorporation N A's operating margin?

The current operating margin for ZION is 41.2% as of Sep 30, 2026.

What is Zions Bancorporation N A's EBITDA margin?

As of Sep 30, 2026, ZION has an EBITDA margin of 44.3%.

What is Zions Bancorporation N A's net margin?

As of Sep 30, 2026, ZION has a net margin of 32.2%.

What are the average margins of ZION?

Looking back over 3 years, ZION recorded average margins of 100.0% gross, 33.8% operating, 37.6% EBITDA, and 26.2% net.

What are the highest historical margins of ZION?

Over this 5-year history, ZION peaked at 100% gross in Sep 2026, 45.4% operating in Dec 2021, 44.9% EBITDA in Dec 2021, and 35.4% net in Dec 2021.

What are the lowest historical margins of ZION?

Zions Bancorporation N A's lowest recorded margins during the past 5 years were 100% gross in Dec 2021, 27.7% operating in Mar 2024, 32.3% EBITDA in Mar 2024, and 21.6% net in Mar 2024.