Zions Bancorp NAZION +0.01%66 OCF Margin % is 49.82% as of Mar. 2026, which is 66% above its 10-year median of 30.06. 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 1,501 Banks companies, Zions Bancorp NA ranks better than 63.76% on this metric.
The historical rank and industry rank for Zions Bancorp NA's OCF Margin % or its related term are showing as below:
ZION'
s OCF Margin % Range Over the Past 10 Years
Min: 21.61 Med: 30.06 Max: 46.64
Current: 38.3
During the past 13 years, the highest OCF Margin % of Zions Bancorp NA was 46.64%. The lowest was 21.61%. And the median was 30.06%.
ZION's OCF Margin % is ranked better than 63.76% of 1501
companies
in the Banks industry
Industry Median: 29.44
vs ZION: 38.30
Zions Bancorp NA OCF Margin % Related Terms
Zions Bancorp NA OCF Margin % Historical Data
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The historical data trend for Zions Bancorp NA's OCF 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 OCF Margin %, along with its competitors' market caps and OCF 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 OCF Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Zions Bancorp NA's OCF Margin % distribution charts can be found below:
* The bar in red indicates where Zions Bancorp NA's OCF 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 OCF Margin % of 49.82% as of Mar. 2026. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Zions Bancorp NA and its competitors. This is 66% above median its historical median of 30.06. Over the past decade, Zions Bancorp NA's OCF Margin % has ranged from 21.61 to 46.64. According to the industry distribution chart, Zions Bancorp NA ranks #544 out of 1501 companies in the Banks industry, placing it in the top 36.2%.
Is Zions Bancorp NA's OCF Margin % too high?
Zions Bancorp NA's current OCF Margin % of 49.82% is 66% above median its 10-year median of 30.06. Over the past 10 years, this metric has ranged from a low of 21.61 to a high of 46.64. The Banks industry median OCF Margin % is 29.44. Zions Bancorp NA's value of 49.82% is 69.2% above this industry median. Based on the distribution chart, Zions Bancorp NA ranks #544 out of 1501 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 OCF Margin % compare to SSB and ONB?
According to the Banks industry distribution chart, Zions Bancorp NA ranks #544 out of 1501 companies for OCF Margin %. This puts Zions Bancorp NA in the upper half of its industry. The industry median OCF Margin % is 29.44. Zions Bancorp NA's value of 49.82% is 69.2% above this benchmark. Historically, Zions Bancorp NA's own OCF Margin % has ranged from 21.61 to 46.64 over the past decade. While the company's 10-year median is 30.06 vs. the industry median of 29.44, 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 OCF Margin % for a Banks company?
The median OCF Margin % among Banks companies is 29.44, based on 1,501 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Zions Bancorp NA's current OCF Margin % of 49.82% is 69.2% 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 OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Zions Bancorp NA and its competitors. For the Banks industry, the median OCF Margin % is 29.44 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Zions Bancorp NA's current OCF Margin % is 49.82%, which is 66% above median its own 10-year median of 30.06. 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 $68.50 — trading 27.2% above its estimated fair value. The current OCF Margin % is 49.82%, which is 66% above median its 10-year median of 30.06 and 69.2% above the Banks industry median of 29.44. 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 OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Zions Bancorp NA (ZION), the current OCF Margin % is 49.82% 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 $68.50 is trading 27.2% above its estimated GF Value™ of $53.85.
GuruFocus considers Zions Bancorp NA to be Modestly Overvalued.
Key valuation signals for ZION:
OCF Margin %: 49.82% (66% above median its 10-year median of 30.06)
GF Value™: $53.85 vs. price of $68.50 (27.2% above fair value)
Industry Position: 69.2% above the Banks median (#544 of 1501)
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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OCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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