Commercial Banks Industry Profitability
Margin and profitability benchmarks for Commercial Banks Industry, covering Gross, Operating, EBITDA, Pre-Tax and Net Margin, Free Cash Flow Margin, and the Effective Tax Rate.
Commercial access adds cross-sectional margin distributions (median, quartiles, std. dev., percentiles), YoY change & trend slopes, and volatility across TTM and FY periods, with up to 20 years of history for peer benchmarking, valuation comps and credit analysis.
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Commercial Banks Industry Profitability Margins
| Metric | Q2 2026 TTM | Q1 2026 TTM | Q4 2025 TTM | Q3 2025 TTM | Q2 2025 TTM |
|---|---|---|---|---|---|
| Gross Margin Gross profit / revenue |
0.34% | Subscribe | Subscribe | Subscribe | Subscribe |
| ↳ Industry rank | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| Operating Margin Operating income / revenue |
2.63% | Subscribe | Subscribe | Subscribe | Subscribe |
| ↳ Industry rank | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| EBITDA Margin EBITDA / revenue |
43.82% | Subscribe | Subscribe | Subscribe | Subscribe |
| ↳ Industry rank | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| Pre-Tax Margin Pre-tax income / revenue |
36.01% | Subscribe | Subscribe | Subscribe | Subscribe |
| ↳ Industry rank | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| Net Margin Net income / revenue |
26.8% | Subscribe | Subscribe | Subscribe | Subscribe |
| ↳ Industry rank | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| Free Cash Flow Margin FCF / revenue |
66.43% | Subscribe | Subscribe | Subscribe | Subscribe |
| Effective Tax Rate Tax expense / pre-tax income |
22.16% | Subscribe | Subscribe | Subscribe | Subscribe |
Multi-period margins for Commercial Banks Industry require a subscription or commercial license.
Industry Margins in Equity Research, Valuation & Credit
Gross and operating margins anchor peer-multiple work in equity research. How high a margin sits, and which way it is heading, helps explain why otherwise comparable companies trade at different EV/EBITDA and P/E multiples, so a company that beats or trails the industry median often becomes the core of the investment case.
EBITDA and net margin distributions feed leveraged-buyout and credit models. Sponsors and credit committees look at where a target falls in the spread of sector margins, then size leverage and build downside cases against the weaker end of that range.
Free cash flow margin and the effective tax rate carry into DCF valuation and covenant testing. A tax rate well away from peers usually points to one-offs that analysts strip out before they assemble a comparable set.
Margin percentiles and year-over-year trends support screening and factor work for quantitative funds, and give portfolio teams a quick way to flag names worth a closer look.
| Metric | Q2 2026 TTM | Q1 2026 TTM | Q4 2025 TTM | Q3 2025 TTM | Q2 2025 TTM |
|---|---|---|---|---|---|
| Operating Margin Percentile Cross-industry rank |
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| Operating Margin Median Cross-sectional median |
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| Operating Margin 25th Pct. Lower quartile |
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| Operating Margin 75th Pct. Upper quartile |
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| Operating Margin Std. Dev. Dispersion across peers |
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| Operating Margin IQR P75 - P25 |
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| Net Margin Percentile Cross-industry rank |
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| Net Margin Median Cross-sectional median |
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| Net Margin Std. Dev. Dispersion across peers |
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| Operating Margin YoY Change Year-over-year delta |
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| Operating Margin Trend (4Q) 4-quarter slope |
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| Reporting Coverage Rate % of companies reported |
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Cross-sectional margin statistics for credit, risk and quant models require a commercial license.
| Metric | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 |
|---|---|---|---|---|---|
| Gross Margin | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| Operating Margin | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| EBITDA Margin | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| Pre-Tax Margin | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| Net Margin | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| Free Cash Flow Margin | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
| Effective Tax Rate | Subscribe | Subscribe | Subscribe | Subscribe | Subscribe |
Fiscal-year margins are aggregated from companies' audited annual filings — suited to covenant & rating work.
Unlock FY data & APIWhat the distribution and dispersion figures actually tell you
Plenty of people glance at one margin and stop there. The numbers in the licensed columns go a step further: they show where a company sits inside its peer group, and how steady that spot has been over time.
Start with the median and the quartiles. The median is just the middle company once you line every constituent up by margin, while the 25th and 75th percentiles fence off the broad middle of the pack. When the gap between them — the interquartile range — is wide, you are looking at an industry of haves and have-nots, and a plain average can mislead. A narrow gap means most firms bunch together, so the headline number is a fair stand-in for the group.
Standard deviation and the coefficient of variation come at the same question from another direction; they measure how far margins scatter around the mean. Two industries can share an identical average net margin while one stays calm and the other lurches from year to year — and that gap is exactly what a lender worries about when sizing the downside.
The percentile rank answers something a portfolio manager asks out loud: of everyone in the sector, how many earn a fatter margin than this one? A z-score says the same thing in units of standard deviation, which helps when you are screening across very different industries and need one common yardstick.
Last, the year-over-year change and the four-quarter trend slope describe direction rather than level. A healthy margin that has drifted lower for a year tells a different story than a thinner margin quietly on the mend — and more often than not it is the trend, not the snapshot, that tips a credit or valuation call.
Industry Benchmarking Dataset for Institutional Use
CommercialThe data presented above is part of our institutional-grade Industry Benchmarking Dataset, designed for integration into credit risk models, portfolio analytics, and internal banking systems. The full dataset is available under a Commercial License, with delivery via API or bulk CSV datasets.
Margin benchmarks across the full industry distribution
Gross, operating, EBITDA, pre-tax, net, and free cash flow margins - delivered as TTM, quarterly, and annual series with P25 / median / P75 / standard deviation for every reporting period.
Revenue, income & cash flow growth across 13+ line items
Industry-level growth benchmarks for every major P&L and cash flow line - with breadth indicators showing what share of companies posted positive growth, acceleration metrics, and rolling TTM comparisons.
Industry valuation multiples with 5-year context & Z-scores
P/E, P/S, P/FCF, P/Book, EV/EBITDA - current and trailing - with five-year averages, percentile ranks, Z-scores, and a composite valuation score to place the industry in historical context.
Productivity, turnover ratios & cash conversion benchmarks
Revenue and income per employee, asset and receivables turnover, days sales outstanding, days inventory, days payables, and the full cash conversion cycle - benchmarked across the industry distribution.
ROA, ROE, ROIC & DuPont decomposition benchmarks
Return metrics measuring how effectively management allocates capital - with incremental ROIC, DuPont decomposition, FCF quality indicators, and a composite management effectiveness score across the industry.
Leverage, liquidity & debt coverage across the industry
Debt-to-equity, interest and debt coverage, quick ratio, working capital, leverage ratios - full distribution statistics - in standardized, audit-ready format suited for credit workflows, compliance, and ESG reporting.
Decision Framework & Data Access
Power onboarding, benchmarking, and quantitative analysis with institutional-grade datasets structured for direct integration into financial models and risk frameworks.
- Industry benchmarking datasets (valuation, growth, profitability)
- Designed for quant models and benchmarking workflows
- Consistent time-series structure (Quarterly, TTM, Annual)
- Coverage across 100+ industries and 20+ years of history