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Boyle BancorpBYLB +0.39%61 Net Margin % is 25.15% as of Dec. 2025, which is 6% above its 10-year median of 23.73. GuruFocus rates BYLB with a GF Score™ of 61/100 and a GF Value™ of $106.04 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Boyle Bancorp ranks worse than 56.49% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Boyle Bancorp's Net Income for the
six
months ended in Dec. 2025 was $13.27 Mil. Boyle Bancorp's Revenue for the
six
months ended in Dec. 2025 was $52.78 Mil. Therefore, Boyle Bancorp's net margin for the quarter that ended in Dec. 2025 was 25.15%.
The historical rank and industry rank for Boyle Bancorp's Net Margin % or its related term are showing as below:
BYLB'
s Net Margin % Range Over the Past 10 Years
Min: 15.96 Med: 23.73 Max: 25.15
Current: 25.15
BYLB's Net Margin % is ranked worse than 56.49% of 1526
companies
in the Banks industry
Industry Median: 27.06
vs BYLB: 25.15
Boyle Bancorp (OTCPK:BYLB) 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.
Boyle Bancorp Net Margin % Related Terms
Boyle Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Boyle 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, Boyle 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.
Boyle Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Boyle Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Boyle 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.
Boyle Bancorp (BYLB) has a Net Margin % of 25.15% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Boyle Bancorp and its competitors. This is near median its historical median of 23.73. Over the past decade, Boyle Bancorp's Net Margin % has ranged from 15.96 to 25.15. According to the industry distribution chart, Boyle Bancorp ranks #862 out of 1526 companies in the Banks industry, placing it in the top 56.5%.
Is Boyle Bancorp's Net Margin % too high?
Boyle Bancorp's current Net Margin % of 25.15% is near median its 10-year median of 23.73. Over the past 10 years, this metric has ranged from a low of 15.96 to a high of 25.15. The Banks industry median Net Margin % is 27.06. Boyle Bancorp's value of 25.15% is 7.1% below this industry median. Based on the distribution chart, Boyle Bancorp ranks #862 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Boyle Bancorp has a GF Score™ of 61/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Boyle Bancorp's Net Margin % compare to NMBF and OXBC?
According to the Banks industry distribution chart, Boyle Bancorp ranks #862 out of 1526 companies for Net Margin %. This places Boyle Bancorp in the lower half of its industry. The industry median Net Margin % is 27.06. Boyle Bancorp's value of 25.15% is 7.1% below this benchmark. Historically, Boyle Bancorp's own Net Margin % has ranged from 15.96 to 25.15 over the past decade. While the company's 10-year median is 23.73 vs. the industry median of 27.06, Boyle Bancorp 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 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. Boyle Bancorp's current Net Margin % of 25.15% is 7.1% 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 Boyle 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. Boyle Bancorp's current Net Margin % is 25.15%, which is near median its own 10-year median of 23.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Boyle Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Boyle Bancorp (BYLB) is currently considered Modestly Overvalued. The stock's GF Value™ is $106.04, compared to a current price of $127.50 — trading 20.2% above its estimated fair value. The current Net Margin % is 25.15%, which is near median its 10-year median of 23.73 and 7.1% below the Banks industry median of 27.06. Boyle Bancorp's overall GF Score™ is 61/100 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 Boyle Bancorp (BYLB), the current Net Margin % is 25.15% 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 Boyle Bancorp (BYLB) Overvalued in 2026?
Based on GuruFocus' analysis, Boyle Bancorp stock appears to be overvalued.
The current stock price of $127.50 is trading 20.2% above its estimated GF Value™ of $106.04.
GuruFocus considers Boyle Bancorp to be Modestly Overvalued.
Key valuation signals for BYLB:
Net Margin %: 25.15% (near median its 10-year median of 23.73)
GF Value™: $106.04 vs. price of $127.50 (20.2% above fair value)
Industry Position: 7.1% below the Banks median (#862 of 1526)
No single metric tells the full story. See the BYLB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Boyle Bancorp Inc operates as a bank holding company whose principal activity is the ownership and management of its wholly owned subsidiary, Farmers National Bank, Danville (Bank) and wholly owned subsidiary BYLB Investments. The Bank provides a full range of banking and financial services to individual and corporate customers in central Kentucky. The Company grants agribusiness, commercial and residential loans to customers throughout Kentucky.
61GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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