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Oak Ridge Financial Services (OTCPK:BKOR) 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.
Oak Ridge Financial Services Net Margin % Related Terms
Oak Ridge Financial Services Net Margin % Historical Data
* 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, Oak Ridge Financial Services'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.
Oak Ridge Financial Services Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Oak Ridge Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Oak Ridge Financial Services'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.
Oak Ridge Financial Services (BKOR) has a Net Margin % of 0.00% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Oak Ridge Financial Services and its competitors. According to the industry distribution chart, Oak Ridge Financial Services ranks #817 out of 1518 companies in the Banks industry, placing it in the top 53.8%.
Is Oak Ridge Financial Services' Net Margin % too high?
Oak Ridge Financial Services' current Net Margin % is 0.00%. Based on the distribution chart, Oak Ridge Financial Services ranks #817 out of 1518 companies in the Banks industry, which is below the industry midpoint. Overall, Oak Ridge Financial Services has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Oak Ridge Financial Services' Net Margin % compare to SSBI and MCBK?
According to the Banks industry distribution chart, Oak Ridge Financial Services ranks #817 out of 1518 companies for Net Margin %. This places Oak Ridge Financial Services in the lower half of its industry. The industry median Net Margin % is 27.32. 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 27.32, based on 1,518 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. 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 Oak Ridge Financial Services and its competitors. For the Banks industry, the median Net Margin % is 27.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Oak Ridge Financial Services's current Net Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Oak Ridge Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Oak Ridge Financial Services (BKOR) is currently considered Significantly Overvalued. The stock's GF Value™ is $22.63, compared to a current price of $32.00 — trading 41.4% above its estimated fair value. The current Net Margin % is 0.00%. Oak Ridge Financial Services' overall GF Score™ is 58/100 with 4 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 Oak Ridge Financial Services (BKOR), the current Net Margin % is 0.00% as of Dec. 2025. 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 Oak Ridge Financial Services (BKOR) Overvalued in 2026?
Based on GuruFocus' analysis, Oak Ridge Financial Services stock appears to be overvalued.
The current stock price of $32.00 is trading 41.4% above its estimated GF Value™ of $22.63.
GuruFocus considers Oak Ridge Financial Services to be Significantly Overvalued.
Key valuation signals for BKOR:
Net Margin %: 0.00%
GF Value™: $22.63 vs. price of $32.00 (41.4% above fair value)
No single metric tells the full story. See the BKOR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Oak Ridge Financial Services Inc is a bank holding company. Along with its banking subsidiary, it offers financial services such as accepting a full range of deposit products and originating commercial and consumer loans, providing online banking services, etc., through its branch network located in Guilford County, North Carolina.
58GF Score
Get the complete analysis for BKOR
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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