China Citic BankCHBJF 44 Net Margin % is 36.86% as of Mar. 2026, which is 36% above its 10-year median of 27.17. GuruFocus rates CHBJF with a GF Score™ of 44/100 and a GF Value™ of $0.97 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, China Citic Bank ranks better than 70.86% on this metric.
The historical rank and industry rank for China Citic Bank's Net Margin % or its related term are showing as below:
CHBJF'
s Net Margin % Range Over the Past 10 Years
Min: 25.14 Med: 27.17 Max: 33.34
Current: 33.17
CHBJF's Net Margin % is ranked better than 70.86% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs CHBJF: 33.17
China Citic Bank (OTCPK:CHBJF) 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.
China Citic Bank Net Margin % Related Terms
China Citic Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for China Citic 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.
China Citic Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, China Citic 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.
China Citic Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, China Citic Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where China Citic 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.
China Citic Bank (CHBJF) has a Net Margin % of 36.86% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on China Citic Bank and its competitors. This is 36% above median its historical median of 27.17. Over the past decade, China Citic Bank's Net Margin % has ranged from 25.14 to 33.34. According to the industry distribution chart, China Citic Bank ranks #445 out of 1527 companies in the Banks industry, placing it in the top 29.1%.
Is China Citic Bank's Net Margin % too high?
China Citic Bank's current Net Margin % of 36.86% is 36% above median its 10-year median of 27.17. Over the past 10 years, this metric has ranged from a low of 25.14 to a high of 33.34. The Banks industry median Net Margin % is 26.95. China Citic Bank's value of 36.86% is 36.8% above this industry median. Based on the distribution chart, China Citic Bank ranks #445 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, China Citic Bank has a GF Score™ of 44/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does China Citic Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, China Citic Bank ranks #445 out of 1527 companies for Net Margin %. This puts China Citic Bank in the upper half of its industry. The industry median Net Margin % is 26.95. China Citic Bank's value of 36.86% is 36.8% above this benchmark. Historically, China Citic Bank's own Net Margin % has ranged from 25.14 to 33.34 over the past decade. While the company's 10-year median is 27.17 vs. the industry median of 26.95, China Citic 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 26.95, 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. China Citic Bank's current Net Margin % of 36.86% is 36.8% 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 China Citic 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. China Citic Bank's current Net Margin % is 36.86%, which is 36% above median its own 10-year median of 27.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is China Citic Bank stock overvalued right now?
Based on GuruFocus' analysis, China Citic Bank (CHBJF) is currently considered Fairly Valued. The stock's GF Value™ is $0.97, compared to a current price of $0.99 — trading 2% above its estimated fair value. The current Net Margin % is 36.86%, which is 36% above median its 10-year median of 27.17 and 36.8% above the Banks industry median of 26.95. China Citic Bank's overall GF Score™ is 44/100 with 2 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 China Citic Bank (CHBJF), the current Net Margin % is 36.86% 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 China Citic Bank (CHBJF) Overvalued in 2026?
Based on GuruFocus' analysis, China Citic Bank stock appears to be overvalued.
The current stock price of $0.99 is trading 2% above its estimated GF Value™ of $0.97.
GuruFocus considers China Citic Bank to be Fairly Valued.
Key valuation signals for CHBJF:
Net Margin %: 36.86% (36% above median its 10-year median of 27.17)
GF Value™: $0.97 vs. price of $0.99 (2% above fair value)
Industry Position: 36.8% above the Banks median (#445 of 1527)
No single metric tells the full story. See the CHBJF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
China Citic Bank, headquartered in Beijing, ranks as China's ninth-largest commercial lender. The bank operates a nationwide network of 1,459 branches across 153 cities, supplemented by offshore presence in Hong Kong, Macao, New York, Los Angeles, and Singapore as of mid-2024. Founded in 1987, it serves as a core subsidiary of Citic Group, a premier state-owned conglomerate.
44GF Score
Get the complete analysis for CHBJF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CHBJF has been successfully added to your 
