Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Freedom Financial HoldingsFDVA -0.42%60 Net Margin % is 14.09% as of Mar. 2026, which is 10% above its 10-year median of 12.84. GuruFocus rates FDVA with a GF Score™ of 60/100 and a GF Value™ of $11.12 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,520 Banks companies, Freedom Financial Holdings ranks worse than 96.51% on this metric.
Freedom Financial Holdings (OTCPK:FDVA) 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.
Freedom Financial Holdings Net Margin % Related Terms
Freedom Financial Holdings 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, Freedom Financial Holdings'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.
Freedom Financial Holdings Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Freedom Financial Holdings's Net Margin % distribution charts can be found below:
* The bar in red indicates where Freedom Financial Holdings'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.
Freedom Financial Holdings (FDVA) has a Net Margin % of 14.09% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Freedom Financial Holdings and its competitors. This is 10% above median its historical median of 12.84. According to the industry distribution chart, Freedom Financial Holdings ranks #1467 out of 1520 companies in the Banks industry, placing it in the top 96.5%.
Is Freedom Financial Holdings' Net Margin % too high?
Freedom Financial Holdings' current Net Margin % of 14.09% is 10% above median its 10-year median of 12.84. The Banks industry median Net Margin % is 27.29. Freedom Financial Holdings' value of 14.09% is 48.4% below this industry median. Based on the distribution chart, Freedom Financial Holdings ranks #1467 out of 1520 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Freedom Financial Holdings has a GF Score™ of 60/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Freedom Financial Holdings' Net Margin % compare to PBKC and SOBS?
According to the Banks industry distribution chart, Freedom Financial Holdings ranks #1467 out of 1520 companies for Net Margin %. This places Freedom Financial Holdings in the lower half of its industry. The industry median Net Margin % is 27.29. Freedom Financial Holdings' value of 14.09% is 48.4% below this benchmark. While the company's 10-year median is 12.84 vs. the industry median of 27.29, Freedom Financial Holdings 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 27.29, based on 1,520 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. Freedom Financial Holdings's current Net Margin % of 14.09% is 48.4% 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 Freedom Financial Holdings and its competitors. For the Banks industry, the median Net Margin % is 27.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Freedom Financial Holdings's current Net Margin % is 14.09%, which is 10% above median its own 10-year median of 12.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Freedom Financial Holdings stock overvalued right now?
Based on GuruFocus' analysis, Freedom Financial Holdings (FDVA) is currently considered Fairly Valued. The stock's GF Value™ is $11.12, compared to a current price of $11.95 — trading 7.5% above its estimated fair value. The current Net Margin % is 14.09%, which is 10% above median its 10-year median of 12.84 and 48.4% below the Banks industry median of 27.29. Freedom Financial Holdings' overall GF Score™ is 60/100 with 3 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 Freedom Financial Holdings (FDVA), the current Net Margin % is 14.09% 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 Freedom Financial Holdings (FDVA) Overvalued in 2026?
Based on GuruFocus' analysis, Freedom Financial Holdings stock appears to be overvalued.
The current stock price of $11.95 is trading 7.5% above its estimated GF Value™ of $11.12.
GuruFocus considers Freedom Financial Holdings to be Fairly Valued.
Key valuation signals for FDVA:
Net Margin %: 14.09% (10% above median its 10-year median of 12.84)
GF Value™: $11.12 vs. price of $11.95 (7.5% above fair value)
Industry Position: 48.4% below the Banks median (#1467 of 1520)
No single metric tells the full story. See the FDVA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Freedom Financial Holdings Inc is a bank holding company. Through its banking subsidiary, it provides various banking products and services such as checking accounts, savings accounts, certificates of deposits, online and mobile banking services, different types of loans and advances, credit cards, and merchant services, among others. The company conducts its business activities through its single reportable segment: community banking. Community banking revolves around serving the community and customers where the bank has branches and offices. Community banking consists of lending, depository, and trust relationships.
60GF Score
Get the complete analysis for FDVA
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
FDVA has been successfully added to your 
