Mutual Trust BankDHA:MTB +2.36%88 Net Margin % is 17.30% as of Mar. 2026, which is 8% above its 10-year median of 15.95. GuruFocus rates DHA:MTB with a GF Score™ of 88/100 and a GF Value™ of BDT11.61 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Mutual Trust Bank ranks worse than 79.76% on this metric.
The historical rank and industry rank for Mutual Trust Bank's Net Margin % or its related term are showing as below:
DHA:MTB'
s Net Margin % Range Over the Past 10 Years
Min: 9.75 Med: 15.95 Max: 23.34
Current: 15.84
DHA:MTB's Net Margin % is ranked worse than 79.76% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs DHA:MTB: 15.84
Mutual Trust Bank (DHA:MTB) 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.
Mutual Trust Bank Net Margin % Related Terms
Mutual Trust Bank Net Margin % Historical Data
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The historical data trend for Mutual Trust 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.
Mutual Trust Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Mutual Trust 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.
Mutual Trust Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mutual Trust Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Mutual Trust 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.
Mutual Trust Bank (DHA:MTB) has a Net Margin % of 17.30% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Mutual Trust Bank and its competitors. This is near median its historical median of 15.95. Over the past decade, Mutual Trust Bank's Net Margin % has ranged from 9.75 to 23.34. According to the industry distribution chart, Mutual Trust Bank ranks #1218 out of 1527 companies in the Banks industry, placing it in the top 79.8%.
Is Mutual Trust Bank's Net Margin % too high?
Mutual Trust Bank's current Net Margin % of 17.30% is near median its 10-year median of 15.95. Over the past 10 years, this metric has ranged from a low of 9.75 to a high of 23.34. The Banks industry median Net Margin % is 26.95. Mutual Trust Bank's value of 17.30% is 35.8% below this industry median. Based on the distribution chart, Mutual Trust Bank ranks #1218 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Mutual Trust Bank has a GF Score™ of 88/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Mutual Trust Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Mutual Trust Bank ranks #1218 out of 1527 companies for Net Margin %. This places Mutual Trust Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Mutual Trust Bank's value of 17.30% is 35.8% below this benchmark. Historically, Mutual Trust Bank's own Net Margin % has ranged from 9.75 to 23.34 over the past decade. While the company's 10-year median is 15.95 vs. the industry median of 26.95, Mutual Trust Bank 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 26.95, 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. Mutual Trust Bank's current Net Margin % of 17.30% is 35.8% 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 Mutual Trust 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. Mutual Trust Bank's current Net Margin % is 17.30%, which is near median its own 10-year median of 15.95. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mutual Trust Bank stock overvalued right now?
Based on GuruFocus' analysis, Mutual Trust Bank (DHA:MTB) is currently considered Modestly Overvalued. The stock's GF Value™ is BDT11.61, compared to a current price of BDT13.00 — trading 12% above its estimated fair value. The current Net Margin % is 17.30%, which is near median its 10-year median of 15.95 and 35.8% below the Banks industry median of 26.95. Mutual Trust Bank's overall GF Score™ is 88/100 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 Mutual Trust Bank (DHA:MTB), the current Net Margin % is 17.30% 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 Mutual Trust Bank (DHA:MTB) Overvalued in 2026?
Based on GuruFocus' analysis, Mutual Trust Bank stock appears to be overvalued.
The current stock price of BDT13.00 is trading 12% above its estimated GF Value™ of BDT11.61.
GuruFocus considers Mutual Trust Bank to be Modestly Overvalued.
Key valuation signals for DHA:MTB:
Net Margin %: 17.30% (near median its 10-year median of 15.95)
GF Value™: BDT11.61 vs. price of BDT13.00 (12% above fair value)
Industry Position: 35.8% below the Banks median (#1218 of 1527)
No single metric tells the full story. See the DHA:MTB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mutual Trust Bank PLC is a company that engages in the provision of various commercial banking and related services. Its products and services include savings and current accounts, and fixed deposits; personal, auto, home, home equity, and professional's loan products; overdraft facilities; credit cards; and locker services. The company's reportable segments include DBO (Domestic Banking Operation), OBU (Offshore Banking Unit), MTB Securities Limited, and MTB Capital Limited.
88GF Score
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