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Croghan BancsharesCHBH +2.56%55 Net Margin % is 32.32% as of Jun. 2026, which is 11% above its 10-year median of 29.21. GuruFocus rates CHBH with a GF Score™ of 55/100 and a GF Value™ of $61.60 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Croghan Bancshares ranks better than 53.21% on this metric.
Croghan Bancshares (OTCPK:CHBH) 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.
Croghan Bancshares Net Margin % Related Terms
Croghan Bancshares Net Margin % Historical Data
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The historical data trend for Croghan Bancshares'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, Croghan Bancshares'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.
Croghan Bancshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Croghan Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Croghan Bancshares'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.
Croghan Bancshares (CHBH) has a Net Margin % of 32.32% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Croghan Bancshares and its competitors. This is 11% above median its historical median of 29.21. Over the past decade, Croghan Bancshares' Net Margin % has ranged from 23.53 to 32.87. According to the industry distribution chart, Croghan Bancshares ranks #714 out of 1526 companies in the Banks industry, placing it in the top 46.8%.
Is Croghan Bancshares' Net Margin % too high?
Croghan Bancshares' current Net Margin % of 32.32% is 11% above median its 10-year median of 29.21. Over the past 10 years, this metric has ranged from a low of 23.53 to a high of 32.87. The Banks industry median Net Margin % is 27.10. Croghan Bancshares' value of 32.32% is 19.3% above this industry median. Based on the distribution chart, Croghan Bancshares ranks #714 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Croghan Bancshares has a GF Score™ of 55/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Croghan Bancshares' Net Margin % compare to PNBK and LSBK?
According to the Banks industry distribution chart, Croghan Bancshares ranks #714 out of 1526 companies for Net Margin %. This puts Croghan Bancshares in the upper half of its industry. The industry median Net Margin % is 27.10. Croghan Bancshares' value of 32.32% is 19.3% above this benchmark. Historically, Croghan Bancshares' own Net Margin % has ranged from 23.53 to 32.87 over the past decade. While the company's 10-year median is 29.21 vs. the industry median of 27.10, Croghan Bancshares 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 27.10, 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. Croghan Bancshares's current Net Margin % of 32.32% is 19.3% 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 Croghan Bancshares and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Croghan Bancshares's current Net Margin % is 32.32%, which is 11% above median its own 10-year median of 29.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Croghan Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Croghan Bancshares (CHBH) is currently considered Modestly Overvalued. The stock's GF Value™ is $61.60, compared to a current price of $78.00 — trading 26.6% above its estimated fair value. The current Net Margin % is 32.32%, which is 11% above median its 10-year median of 29.21 and 19.3% above the Banks industry median of 27.10. Croghan Bancshares' overall GF Score™ is 55/100 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 Croghan Bancshares (CHBH), the current Net Margin % is 32.32% as of Jun. 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 Croghan Bancshares (CHBH) Overvalued in 2026?
Based on GuruFocus' analysis, Croghan Bancshares stock appears to be overvalued.
The current stock price of $78.00 is trading 26.6% above its estimated GF Value™ of $61.60.
GuruFocus considers Croghan Bancshares to be Modestly Overvalued.
Key valuation signals for CHBH:
Net Margin %: 32.32% (11% above median its 10-year median of 29.21)
GF Value™: $61.60 vs. price of $78.00 (26.6% above fair value)
Industry Position: 19.3% above the Banks median (#714 of 1526)
No single metric tells the full story. See the CHBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Croghan Bancshares Inc is a financial holding company. The bank offers a diverse range of commercial and retail banking services through its banking centers located in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Milan, Oak Harbor, Oregon, Port Clinton, and Tiffin, Ohio. Its products are comprised of traditional banking services such as consumer, commercial, agricultural and real estate loans, personal and business checking accounts, savings accounts, time deposit accounts, safe deposit box services, and trust department services. The company operates in one industry segment, the commercial banking industry.
55GF Score
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