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BankFlorida BancorpBKFL 44 Net Margin % is 28.57% as of Jun. 2026, which is 129% above its 10-year median of 12.48. GuruFocus rates BKFL with a GF Score™ of 44/100 and a GF Value™ of $21.78 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, BankFlorida Bancorp ranks worse than 50.79% on this metric.
BankFlorida Bancorp (OTCPK:BKFL) 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.
BankFlorida Bancorp Net Margin % Related Terms
BankFlorida Bancorp Net Margin % Historical Data
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The historical data trend for BankFlorida Bancorp'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, BankFlorida Bancorp'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.
BankFlorida Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BankFlorida Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where BankFlorida Bancorp'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.
BankFlorida Bancorp (BKFL) has a Net Margin % of 28.57% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on BankFlorida Bancorp and its competitors. This is 129% above median its historical median of 12.48. According to the industry distribution chart, BankFlorida Bancorp ranks #775 out of 1526 companies in the Banks industry, placing it in the top 50.8%.
Is BankFlorida Bancorp's Net Margin % too high?
BankFlorida Bancorp's current Net Margin % of 28.57% is 129% above median its 10-year median of 12.48. The Banks industry median Net Margin % is 27.06. BankFlorida Bancorp's value of 28.57% is 5.6% above this industry median. Based on the distribution chart, BankFlorida Bancorp ranks #775 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, BankFlorida Bancorp has a GF Score™ of 44/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BankFlorida Bancorp's Net Margin % compare to FFWC and OSBK?
According to the Banks industry distribution chart, BankFlorida Bancorp ranks #775 out of 1526 companies for Net Margin %. This places BankFlorida Bancorp in the lower half of its industry. The industry median Net Margin % is 27.06. BankFlorida Bancorp's value of 28.57% is 5.6% above this benchmark. While the company's 10-year median is 12.48 vs. the industry median of 27.06, BankFlorida Bancorp 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 Net Margin % for a Banks company?
The median Net Margin % among Banks companies is 27.06, 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. BankFlorida Bancorp's current Net Margin % of 28.57% is 5.6% 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 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 BankFlorida Bancorp and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BankFlorida Bancorp's current Net Margin % is 28.57%, which is 129% above median its own 10-year median of 12.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BankFlorida Bancorp stock overvalued right now?
Based on GuruFocus' analysis, BankFlorida Bancorp (BKFL) is currently considered Modestly Undervalued. The stock's GF Value™ is $21.78, compared to a current price of $17.15 — trading 21.3% below its estimated fair value. The current Net Margin % is 28.57%, which is 129% above median its 10-year median of 12.48 and 5.6% above the Banks industry median of 27.06. BankFlorida Bancorp's overall GF Score™ is 44/100 with 1 warning sign 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 BankFlorida Bancorp (BKFL), the current Net Margin % is 28.57% as of Jun. 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 BankFlorida Bancorp (BKFL) Overvalued in 2026?
Based on GuruFocus' analysis, BankFlorida Bancorp stock appears to be undervalued.
The current stock price of $17.15 is trading 21.3% below its estimated GF Value™ of $21.78.
GuruFocus considers BankFlorida Bancorp to be Modestly Undervalued.
Key valuation signals for BKFL:
Net Margin %: 28.57% (129% above median its 10-year median of 12.48)
GF Value™: $21.78 vs. price of $17.15 (21.3% below fair value)
Industry Position: 5.6% above the Banks median (#775 of 1526)
No single metric tells the full story. See the BKFL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BankFlorida Bancorp Inc is a bank holding company. Through its banking subsidiary, the company is engaged in providing banking and other financial products and services. Its products and service offerings include deposit accounts, mobile banking services, residential loans, personal loans, certificates of deposits, money market accounts, commercial credit services, business savings accounts, etc. In addition, the company also provides wealth solutions.
44GF Score
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