CCCB BancorpCCYY 47 Net Margin % is 10.33% as of Dec. 2025, which is 21% below its 10-year median of 13.05. GuruFocus rates CCYY with a GF Score™ of 47/100 and a GF Value™ of $6.90 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, CCCB Bancorp ranks worse than 87.55% on this metric.
Net margin is calculated as Net Income divided by its Revenue. CCCB Bancorp's Net Income for the
six
months ended in Dec. 2025 was $0.87 Mil. CCCB Bancorp's Revenue for the
six
months ended in Dec. 2025 was $8.44 Mil. Therefore, CCCB Bancorp's net margin for the quarter that ended in Dec. 2025 was 10.33%.
The historical rank and industry rank for CCCB Bancorp's Net Margin % or its related term are showing as below:
CCYY'
s Net Margin % Range Over the Past 10 Years
Min: 2.28 Med: 13.05 Max: 20.41
Current: 10.33
CCYY's Net Margin % is ranked worse than 87.55% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CCYY: 10.33
CCCB Bancorp (OTCPK:CCYY) 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.
CCCB Bancorp Net Margin % Related Terms
CCCB Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for CCCB 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, CCCB 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.
CCCB Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CCCB Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where CCCB 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.
CCCB Bancorp (CCYY) has a Net Margin % of 10.33% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on CCCB Bancorp and its competitors. This is 21% below median its historical median of 13.05. Over the past decade, CCCB Bancorp's Net Margin % has ranged from 2.28 to 20.41. According to the industry distribution chart, CCCB Bancorp ranks #1336 out of 1526 companies in the Banks industry, placing it in the top 87.5%.
Is CCCB Bancorp's Net Margin % too high?
CCCB Bancorp's current Net Margin % of 10.33% is 21% below median its 10-year median of 13.05. Over the past 10 years, this metric has ranged from a low of 2.28 to a high of 20.41. The Banks industry median Net Margin % is 26.97. CCCB Bancorp's value of 10.33% is 61.7% below this industry median. Based on the distribution chart, CCCB Bancorp ranks #1336 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CCCB Bancorp has a GF Score™ of 47/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does CCCB Bancorp's Net Margin % compare to TCNB and TDCB?
According to the Banks industry distribution chart, CCCB Bancorp ranks #1336 out of 1526 companies for Net Margin %. This places CCCB Bancorp in the lower half of its industry. The industry median Net Margin % is 26.97. CCCB Bancorp's value of 10.33% is 61.7% below this benchmark. Historically, CCCB Bancorp's own Net Margin % has ranged from 2.28 to 20.41 over the past decade. While the company's 10-year median is 13.05 vs. the industry median of 26.97, CCCB 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 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. CCCB Bancorp's current Net Margin % of 10.33% is 61.7% 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 CCCB Bancorp 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. CCCB Bancorp's current Net Margin % is 10.33%, which is 21% below median its own 10-year median of 13.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CCCB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, CCCB Bancorp (CCYY) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.90, compared to a current price of $9.95 — trading 44.2% above its estimated fair value. The current Net Margin % is 10.33%, which is 21% below median its 10-year median of 13.05 and 61.7% below the Banks industry median of 26.97. CCCB Bancorp's overall GF Score™ is 47/100 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 CCCB Bancorp (CCYY), the current Net Margin % is 10.33% 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 CCCB Bancorp (CCYY) Overvalued in 2026?
Based on GuruFocus' analysis, CCCB Bancorp stock appears to be overvalued.
The current stock price of $9.95 is trading 44.2% above its estimated GF Value™ of $6.90.
GuruFocus considers CCCB Bancorp to be Significantly Overvalued.
Key valuation signals for CCYY:
Net Margin %: 10.33% (21% below median its 10-year median of 13.05)
GF Value™: $6.90 vs. price of $9.95 (44.2% above fair value)
Industry Position: 61.7% below the Banks median (#1336 of 1526)
No single metric tells the full story. See the CCYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CCCB Bancorp Inc is a banking company that provides financial services through its offices in Clarion County, Venango County, and Erie County. Its services include personal banking, business banking, and e-banking. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial real estate, commercial, and consumer loans.
47GF Score
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