Farmers Bank of AppomattoxFBPA 66 Net Margin % is 17.44% as of Mar. 2026, which is 32% below its 10-year median of 25.70. GuruFocus rates FBPA with a GF Score™ of 66/100 and a GF Value™ of $28.22 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Farmers Bank of Appomattox ranks worse than 63.65% on this metric.
The historical rank and industry rank for Farmers Bank of Appomattox's Net Margin % or its related term are showing as below:
FBPA'
s Net Margin % Range Over the Past 10 Years
Min: 21.64 Med: 25.7 Max: 30.2
Current: 22.76
FBPA's Net Margin % is ranked worse than 63.65% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FBPA: 22.76
Farmers Bank of Appomattox (OTCPK:FBPA) 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.
Farmers Bank of Appomattox Net Margin % Related Terms
Farmers Bank of Appomattox Net Margin % Historical Data
* 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, Farmers Bank of Appomattox'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.
Farmers Bank of Appomattox Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers Bank of Appomattox's Net Margin % distribution charts can be found below:
* The bar in red indicates where Farmers Bank of Appomattox'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.
Farmers Bank of Appomattox (FBPA) has a Net Margin % of 17.44% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Farmers Bank of Appomattox and its competitors. This is 32% below median its historical median of 25.70. Over the past decade, Farmers Bank of Appomattox's Net Margin % has ranged from 21.64 to 30.20. According to the industry distribution chart, Farmers Bank of Appomattox ranks #972 out of 1527 companies in the Banks industry, placing it in the top 63.7%.
Is Farmers Bank of Appomattox's Net Margin % too high?
Farmers Bank of Appomattox's current Net Margin % of 17.44% is 32% below median its 10-year median of 25.70. Over the past 10 years, this metric has ranged from a low of 21.64 to a high of 30.20. The Banks industry median Net Margin % is 26.95. Farmers Bank of Appomattox's value of 17.44% is 35.3% below this industry median. Based on the distribution chart, Farmers Bank of Appomattox ranks #972 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Farmers Bank of Appomattox has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers Bank of Appomattox's Net Margin % compare to WOBK and PWBK?
According to the Banks industry distribution chart, Farmers Bank of Appomattox ranks #972 out of 1527 companies for Net Margin %. This places Farmers Bank of Appomattox in the lower half of its industry. The industry median Net Margin % is 26.95. Farmers Bank of Appomattox's value of 17.44% is 35.3% below this benchmark. Historically, Farmers Bank of Appomattox's own Net Margin % has ranged from 21.64 to 30.20 over the past decade. While the company's 10-year median is 25.70 vs. the industry median of 26.95, Farmers Bank of Appomattox 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. Farmers Bank of Appomattox's current Net Margin % of 17.44% is 35.3% 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 Farmers Bank of Appomattox 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. Farmers Bank of Appomattox's current Net Margin % is 17.44%, which is 32% below median its own 10-year median of 25.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers Bank of Appomattox stock overvalued right now?
Based on GuruFocus' analysis, Farmers Bank of Appomattox (FBPA) is currently considered Fairly Valued. The stock's GF Value™ is $28.22, compared to a current price of $30.00 — trading 6.3% above its estimated fair value. The current Net Margin % is 17.44%, which is 32% below median its 10-year median of 25.70 and 35.3% below the Banks industry median of 26.95. Farmers Bank of Appomattox's overall GF Score™ is 66/100 with 5 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 Farmers Bank of Appomattox (FBPA), the current Net Margin % is 17.44% 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 Farmers Bank of Appomattox (FBPA) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers Bank of Appomattox stock appears to be overvalued.
The current stock price of $30.00 is trading 6.3% above its estimated GF Value™ of $28.22.
GuruFocus considers Farmers Bank of Appomattox to be Fairly Valued.
Key valuation signals for FBPA:
Net Margin %: 17.44% (32% below median its 10-year median of 25.70)
GF Value™: $28.22 vs. price of $30.00 (6.3% above fair value)
Industry Position: 35.3% below the Banks median (#972 of 1527)
No single metric tells the full story. See the FBPA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers Bank of Appomattox provides banking services. The company is engaged in personal and business banking services, including checking & savings, certificate of deposit, loans/mortgages, commercial checking, and commercial loans.
66GF Score
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