The Chiba BankCHBAY +3.96%56 Net Margin % is 30.32% as of Mar. 2026, which is 10% above its 10-year median of 27.64. GuruFocus rates CHBAY with a GF Score™ of 56/100 and a GF Value™ of $53.75 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, The Chiba Bank ranks better than 63.37% on this metric.
Net margin is calculated as Net Income divided by its Revenue. The Chiba Bank's Net Income for the
three
months ended in Mar. 2026 was $159 Mil. The Chiba Bank's Revenue for the
three
months ended in Mar. 2026 was $525 Mil. Therefore, The Chiba Bank's net margin for the quarter that ended in Mar. 2026 was 30.32%.
The historical rank and industry rank for The Chiba Bank's Net Margin % or its related term are showing as below:
CHBAY'
s Net Margin % Range Over the Past 10 Years
Min: 24.45 Med: 27.64 Max: 30.78
Current: 30.78
CHBAY's Net Margin % is ranked better than 63.37% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs CHBAY: 30.78
The Chiba Bank (OTCPK:CHBAY) 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.
The Chiba Bank Net Margin % Related Terms
The Chiba Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for The Chiba 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, The Chiba 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.
The Chiba Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, The Chiba Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where The Chiba 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.
The Chiba Bank (CHBAY) has a Net Margin % of 30.32% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on The Chiba Bank and its competitors. This is 10% above median its historical median of 27.64. Over the past decade, The Chiba Bank's Net Margin % has ranged from 24.45 to 30.78. According to the industry distribution chart, The Chiba Bank ranks #559 out of 1526 companies in the Banks industry, placing it in the top 36.6%.
Is The Chiba Bank's Net Margin % too high?
The Chiba Bank's current Net Margin % of 30.32% is 10% above median its 10-year median of 27.64. Over the past 10 years, this metric has ranged from a low of 24.45 to a high of 30.78. The Banks industry median Net Margin % is 26.97. The Chiba Bank's value of 30.32% is 12.4% above this industry median. Based on the distribution chart, The Chiba Bank ranks #559 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, The Chiba Bank has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does The Chiba Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, The Chiba Bank ranks #559 out of 1526 companies for Net Margin %. This puts The Chiba Bank in the upper half of its industry. The industry median Net Margin % is 26.97. The Chiba Bank's value of 30.32% is 12.4% above this benchmark. Historically, The Chiba Bank's own Net Margin % has ranged from 24.45 to 30.78 over the past decade. While the company's 10-year median is 27.64 vs. the industry median of 26.97, The Chiba Bank 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 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. The Chiba Bank's current Net Margin % of 30.32% is 12.4% 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 The Chiba Bank 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. The Chiba Bank's current Net Margin % is 30.32%, which is 10% above median its own 10-year median of 27.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is The Chiba Bank stock overvalued right now?
Based on GuruFocus' analysis, The Chiba Bank (CHBAY) is currently considered Significantly Overvalued. The stock's GF Value™ is $53.75, compared to a current price of $74.92 — trading 39.4% above its estimated fair value. The current Net Margin % is 30.32%, which is 10% above median its 10-year median of 27.64 and 12.4% above the Banks industry median of 26.97. The Chiba Bank's overall GF Score™ is 56/100 with 6 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 The Chiba Bank (CHBAY), the current Net Margin % is 30.32% 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 The Chiba Bank (CHBAY) Overvalued in 2026?
Based on GuruFocus' analysis, The Chiba Bank stock appears to be overvalued.
The current stock price of $74.92 is trading 39.4% above its estimated GF Value™ of $53.75.
GuruFocus considers The Chiba Bank to be Significantly Overvalued.
Key valuation signals for CHBAY:
Net Margin %: 30.32% (10% above median its 10-year median of 27.64)
GF Value™: $53.75 vs. price of $74.92 (39.4% above fair value)
Industry Position: 12.4% above the Banks median (#559 of 1526)
No single metric tells the full story. See the CHBAY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
The Chiba Bank Ltd provides banking products and services in Japan. Its only operating segment includes banking. The bank provides a wide range of services, including banking services like deposits, loans, and foreign exchange transactions; financial services such as leasing, securities brokerage, and credit cards; software development services; and business management and staffing services.
56GF Score
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