GFH Bank BSCBAH:GFH 36 Net Margin % is 26.50% as of Mar. 2026, which is 32% below its 10-year median of 38.91. GuruFocus rates BAH:GFH with a GF Score™ of 36/100 and a GF Value™ of $0.47 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, GFH Bank BSC ranks better than 62.39% on this metric.
Net margin is calculated as Net Income divided by its Revenue. GFH Bank BSC's Net Income for the
three
months ended in Mar. 2026 was $35.1 Mil. GFH Bank BSC's Revenue for the
three
months ended in Mar. 2026 was $132.5 Mil. Therefore, GFH Bank BSC's net margin for the quarter that ended in Mar. 2026 was 26.50%.
The historical rank and industry rank for GFH Bank BSC's Net Margin % or its related term are showing as below:
BAH:GFH'
s Net Margin % Range Over the Past 10 Years
Min: 27.34 Med: 38.91 Max: 55.44
Current: 30.53
BAH:GFH's Net Margin % is ranked better than 62.39% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs BAH:GFH: 30.53
GFH Bank BSC (BAH:GFH) Net Margin % Explanation
Although Net Income and Earnings-per-Share (EPS) are the most widely used parameter in measuring a company's profitability and valuation, it is the least reliable. The reason is that reported earnings can be manipulated easily by adjusting any numbers such as Depreciation, Depletion and Amotorization and non-recurring items.
But the long term trend of the net margin is a good indicator of the competitiveness and health of the business.
GFH Bank BSC Net Margin % Related Terms
GFH Bank BSC Net Margin % Historical Data
* Premium members only.
The historical data trend for GFH Bank BSC's Net 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, GFH Bank BSC's Net Margin %, along with its competitors' market caps and Net 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.
GFH Bank BSC Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, GFH Bank BSC's Net Margin % distribution charts can be found below:
* The bar in red indicates where GFH Bank BSC's Net 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.
GFH Bank BSC (BAH:GFH) has a Net Margin % of 26.50% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on GFH Bank BSC and its competitors. This is 32% below median its historical median of 38.91. Over the past decade, GFH Bank BSC's Net Margin % has ranged from 27.34 to 55.44. According to the industry distribution chart, GFH Bank BSC ranks #574 out of 1526 companies in the Banks industry, placing it in the top 37.6%.
Is GFH Bank BSC's Net Margin % too high?
GFH Bank BSC's current Net Margin % of 26.50% is 32% below median its 10-year median of 38.91. Over the past 10 years, this metric has ranged from a low of 27.34 to a high of 55.44. The Banks industry median Net Margin % is 26.97. GFH Bank BSC's value of 26.50% is 1.7% below this industry median. Based on the distribution chart, GFH Bank BSC ranks #574 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, GFH Bank BSC has a GF Score™ of 36/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does GFH Bank BSC's Net Margin % compare to PNC?
According to the Banks industry distribution chart, GFH Bank BSC ranks #574 out of 1526 companies for Net Margin %. This puts GFH Bank BSC in the upper half of its industry. The industry median Net Margin % is 26.97. GFH Bank BSC's value of 26.50% is 1.7% below this benchmark. Historically, GFH Bank BSC's own Net Margin % has ranged from 27.34 to 55.44 over the past decade. While the company's 10-year median is 38.91 vs. the industry median of 26.97, GFH Bank BSC has consistently been below 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 26.97, based on 1,526 companies in the industry. Companies in the top quartile (top 25%) have a Net Margin % significantly above this median, while those in the bottom quartile fall well below. However, Net Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. GFH Bank BSC's current Net Margin % of 26.50% is 1.7% below 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 Net Margin % mean?
A high Net Margin % can signal that a stock is expensive relative to its fundamentals. Net margin is the ratio of total net income to net sales. View historical data on GFH Bank BSC and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. GFH Bank BSC's current Net Margin % is 26.50%, which is 32% below median its own 10-year median of 38.91. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is GFH Bank BSC stock overvalued right now?
Based on GuruFocus' analysis, GFH Bank BSC (BAH:GFH) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.47, compared to a current price of $0.59 — trading 25.5% above its estimated fair value. The current Net Margin % is 26.50%, which is 32% below median its 10-year median of 38.91 and 1.7% below the Banks industry median of 26.97. GFH Bank BSC's overall GF Score™ is 36/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Net Margin % calculated?
Net Margin % is calculated from a company's financial statements. For GFH Bank BSC (BAH:GFH), the current Net Margin % is 26.50% 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 GFH Bank BSC (BAH:GFH) Overvalued in 2026?
Based on GuruFocus' analysis, GFH Bank BSC stock appears to be overvalued.
The current stock price of $0.59 is trading 25.5% above its estimated GF Value™ of $0.47.
GuruFocus considers GFH Bank BSC to be Modestly Overvalued.
Key valuation signals for BAH:GFH:
Net Margin %: 26.50% (32% below median its 10-year median of 38.91)
GF Value™: $0.47 vs. price of $0.59 (25.5% above fair value)
Industry Position: 1.7% below the Banks median (#574 of 1526)
No single metric tells the full story. See the BAH:GFH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
GFH Bank BSC is a regional financial institution that provides banking and investment solutions across its key business lines, including Wealth and Investment Management, Credit and Financing, and Treasury and Proprietary Investments.
36GF Score
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