Patria BankBSE:PBK 41 Net Margin % is 17.70% as of Mar. 2026, which is 369% above its 10-year median of 3.77. GuruFocus rates BSE:PBK with a GF Score™ of 41/100 and a GF Value™ of lei0.11 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, Patria Bank ranks worse than 75.18% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Patria Bank's Net Income for the
three
months ended in Mar. 2026 was lei12.0 Mil. Patria Bank's Revenue for the
three
months ended in Mar. 2026 was lei68.0 Mil. Therefore, Patria Bank's net margin for the quarter that ended in Mar. 2026 was 17.70%.
The historical rank and industry rank for Patria Bank's Net Margin % or its related term are showing as below:
BSE:PBK'
s Net Margin % Range Over the Past 10 Years
Min: -27.05 Med: 3.77 Max: 18.53
Current: 18.03
BSE:PBK's Net Margin % is ranked worse than 75.18% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs BSE:PBK: 18.03
Patria Bank (BSE:PBK) 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.
Patria Bank Net Margin % Related Terms
Patria Bank Net Margin % Historical Data
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The historical data trend for Patria Bank'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, Patria Bank'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.
Patria Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Patria Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Patria Bank'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.
Patria Bank (BSE:PBK) has a Net Margin % of 17.70% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Patria Bank and its competitors. This is 369% above median its historical median of 3.77. According to the industry distribution chart, Patria Bank ranks #1148 out of 1527 companies in the Banks industry, placing it in the top 75.2%.
Is Patria Bank's Net Margin % too high?
Patria Bank's current Net Margin % of 17.70% is 369% above median its 10-year median of 3.77. The Banks industry median Net Margin % is 26.95. Patria Bank's value of 17.70% is 34.3% below this industry median. Based on the distribution chart, Patria Bank ranks #1148 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Patria Bank has a GF Score™ of 41/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Patria Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Patria Bank ranks #1148 out of 1527 companies for Net Margin %. This places Patria Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Patria Bank's value of 17.70% is 34.3% below this benchmark. While the company's 10-year median is 3.77 vs. the industry median of 26.95, Patria Bank 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 26.95, based on 1,527 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. Patria Bank's current Net Margin % of 17.70% is 34.3% 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 Patria Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Patria Bank's current Net Margin % is 17.70%, which is 369% above median its own 10-year median of 3.77. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Patria Bank stock overvalued right now?
Based on GuruFocus' analysis, Patria Bank (BSE:PBK) is currently considered Modestly Overvalued. The stock's GF Value™ is lei0.11, compared to a current price of lei0.13 — trading 21.8% above its estimated fair value. The current Net Margin % is 17.70%, which is 369% above median its 10-year median of 3.77 and 34.3% below the Banks industry median of 26.95. Patria Bank's overall GF Score™ is 41/100 with 7 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 Patria Bank (BSE:PBK), the current Net Margin % is 17.70% 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 Patria Bank (BSE:PBK) Overvalued in 2026?
Based on GuruFocus' analysis, Patria Bank stock appears to be overvalued.
The current stock price of lei0.13 is trading 21.8% above its estimated GF Value™ of lei0.11.
GuruFocus considers Patria Bank to be Modestly Overvalued.
Key valuation signals for BSE:PBK:
Net Margin %: 17.70% (369% above median its 10-year median of 3.77)
GF Value™: lei0.11 vs. price of lei0.13 (21.8% above fair value)
Industry Position: 34.3% below the Banks median (#1148 of 1527)
No single metric tells the full story. See the BSE:PBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Patria Bank SA provides the whole range of banking services for individuals and legal entities, including deposits, cash management, lending and foreign exchange operations. It provides traditional banking services and products, including payment orders, documentary transactions and issuance of letters of credit and guarantees. The company carries out its activity in Romania.
41GF Score
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