Zions Bancorp NAZION -0.28%66 FCF Margin % is 46.88% as of Mar. 2026, which is 77% above its 10-year median of 26.45. GuruFocus rates ZION with a GF Score™ of 66/100 and a GF Value™ of $53.85 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,505 Banks companies, Zions Bancorp NA ranks better than 63.92% on this metric.
The historical rank and industry rank for Zions Bancorp NA's FCF Margin % or its related term are showing as below:
ZION'
s FCF Margin % Range Over the Past 10 Years
Min: 14.53 Med: 26.45 Max: 40.61
Current: 34.84
During the past 13 years, the highest FCF Margin % of Zions Bancorp NA was 40.61%. The lowest was 14.53%. And the median was 26.45%.
ZION's FCF Margin % is ranked better than 63.92% of 1505
companies
in the Banks industry
Industry Median: 26.42
vs ZION: 34.84
Zions Bancorp NA FCF Margin % Related Terms
Zions Bancorp NA FCF Margin % Historical Data
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The historical data trend for Zions Bancorp NA's FCF Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, Zions Bancorp NA's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Zions Bancorp NA FCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Zions Bancorp NA's FCF Margin % distribution charts can be found below:
* The bar in red indicates where Zions Bancorp NA's FCF Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Zions Bancorp NA (ZION) has a FCF Margin % of 46.88% as of Mar. 2026. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Zions Bancorp NA and its competitors. This is 77% above median its historical median of 26.45. Over the past decade, Zions Bancorp NA's FCF Margin % has ranged from 14.53 to 40.61. According to the industry distribution chart, Zions Bancorp NA ranks #543 out of 1505 companies in the Banks industry, placing it in the top 36.1%.
Is Zions Bancorp NA's FCF Margin % too high?
Zions Bancorp NA's current FCF Margin % of 46.88% is 77% above median its 10-year median of 26.45. Over the past 10 years, this metric has ranged from a low of 14.53 to a high of 40.61. The Banks industry median FCF Margin % is 26.42. Zions Bancorp NA's value of 46.88% is 77.4% above this industry median. Based on the distribution chart, Zions Bancorp NA ranks #543 out of 1505 companies in the Banks industry, which is above the industry midpoint. Overall, Zions Bancorp NA has a GF Score™ of 66/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Zions Bancorp NA's FCF Margin % compare to SSB and ONB?
According to the Banks industry distribution chart, Zions Bancorp NA ranks #543 out of 1505 companies for FCF Margin %. This puts Zions Bancorp NA in the upper half of its industry. The industry median FCF Margin % is 26.42. Zions Bancorp NA's value of 46.88% is 77.4% above this benchmark. Historically, Zions Bancorp NA's own FCF Margin % has ranged from 14.53 to 40.61 over the past decade. While the company's 10-year median is 26.45 vs. the industry median of 26.42, Zions Bancorp NA has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Banks company?
The median FCF Margin % among Banks companies is 26.42, based on 1,505 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zions Bancorp NA's current FCF Margin % of 46.88% is 77.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Zions Bancorp NA and its competitors. For the Banks industry, the median FCF Margin % is 26.42 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zions Bancorp NA's current FCF Margin % is 46.88%, which is 77% above median its own 10-year median of 26.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Zions Bancorp NA stock overvalued right now?
Based on GuruFocus' analysis, Zions Bancorp NA (ZION) is currently considered Modestly Overvalued. The stock's GF Value™ is $53.85, compared to a current price of $68.30 — trading 26.8% above its estimated fair value. The current FCF Margin % is 46.88%, which is 77% above median its 10-year median of 26.45 and 77.4% above the Banks industry median of 26.42. Zions Bancorp NA's overall GF Score™ is 66/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Zions Bancorp NA (ZION), the current FCF Margin % is 46.88% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Zions Bancorp NA (ZION) Overvalued in 2026?
Based on GuruFocus' analysis, Zions Bancorp NA stock appears to be overvalued.
The current stock price of $68.30 is trading 26.8% above its estimated GF Value™ of $53.85.
GuruFocus considers Zions Bancorp NA to be Modestly Overvalued.
Key valuation signals for ZION:
FCF Margin %: 46.88% (77% above median its 10-year median of 26.45)
GF Value™: $53.85 vs. price of $68.30 (26.8% above fair value)
Industry Position: 77.4% above the Banks median (#543 of 1505)
No single metric tells the full story. See the ZION stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Zions Bancorp is a US regional bank with around $90 billion in total assets as of March 31, 2026. Headquartered in Salt Lake City, Utah, Zions' branch network is in the Western and Southwestern United States and includes seven affiliate banks in these markets. The bank has a heavy focus on small and midsize commercial banking.
66GF Score
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