FFB BancorpFFBB 79 Net Margin % is 21.23% as of Mar. 2026, which is 38% below its 10-year median of 34.26. GuruFocus rates FFBB with a GF Score™ of 79/100 and a GF Value™ of $92.13 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, FFB Bancorp ranks worse than 64.83% on this metric.
Net margin is calculated as Net Income divided by its Revenue. FFB Bancorp's Net Income for the
three
months ended in Mar. 2026 was $4.59 Mil. FFB Bancorp's Revenue for the
three
months ended in Mar. 2026 was $21.60 Mil. Therefore, FFB Bancorp's net margin for the quarter that ended in Mar. 2026 was 21.23%.
The historical rank and industry rank for FFB Bancorp's Net Margin % or its related term are showing as below:
FFBB'
s Net Margin % Range Over the Past 10 Years
Min: 21.64 Med: 34.26 Max: 45.09
Current: 22.37
FFBB's Net Margin % is ranked worse than 64.83% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FFBB: 22.37
FFB Bancorp (OTCPK:FFBB) 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.
FFB Bancorp Net Margin % Related Terms
FFB Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for FFB Bancorp'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, FFB Bancorp'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.
FFB Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FFB Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where FFB Bancorp'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.
FFB Bancorp (FFBB) has a Net Margin % of 21.23% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on FFB Bancorp and its competitors. This is 38% below median its historical median of 34.26. Over the past decade, FFB Bancorp's Net Margin % has ranged from 21.64 to 45.09. According to the industry distribution chart, FFB Bancorp ranks #990 out of 1527 companies in the Banks industry, placing it in the top 64.8%.
Is FFB Bancorp's Net Margin % too high?
FFB Bancorp's current Net Margin % of 21.23% is 38% below median its 10-year median of 34.26. Over the past 10 years, this metric has ranged from a low of 21.64 to a high of 45.09. The Banks industry median Net Margin % is 26.95. FFB Bancorp's value of 21.23% is 21.2% below this industry median. Based on the distribution chart, FFB Bancorp ranks #990 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, FFB Bancorp has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFB Bancorp's Net Margin % compare to WNEB and FDBC?
According to the Banks industry distribution chart, FFB Bancorp ranks #990 out of 1527 companies for Net Margin %. This places FFB Bancorp in the lower half of its industry. The industry median Net Margin % is 26.95. FFB Bancorp's value of 21.23% is 21.2% below this benchmark. Historically, FFB Bancorp's own Net Margin % has ranged from 21.64 to 45.09 over the past decade. While the company's 10-year median is 34.26 vs. the industry median of 26.95, FFB Bancorp 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. FFB Bancorp's current Net Margin % of 21.23% is 21.2% 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 FFB Bancorp 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. FFB Bancorp's current Net Margin % is 21.23%, which is 38% below median its own 10-year median of 34.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FFB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, FFB Bancorp (FFBB) is currently considered Fairly Valued. The stock's GF Value™ is $92.13, compared to a current price of $85.15 — trading 7.6% below its estimated fair value. The current Net Margin % is 21.23%, which is 38% below median its 10-year median of 34.26 and 21.2% below the Banks industry median of 26.95. FFB Bancorp's overall GF Score™ is 79/100 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 FFB Bancorp (FFBB), the current Net Margin % is 21.23% 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 FFB Bancorp (FFBB) Overvalued in 2026?
Based on GuruFocus' analysis, FFB Bancorp stock appears to be undervalued.
The current stock price of $85.15 is trading 7.6% below its estimated GF Value™ of $92.13.
GuruFocus considers FFB Bancorp to be Fairly Valued.
Key valuation signals for FFBB:
Net Margin %: 21.23% (38% below median its 10-year median of 34.26)
GF Value™: $92.13 vs. price of $85.15 (7.6% below fair value)
Industry Position: 21.2% below the Banks median (#990 of 1527)
No single metric tells the full story. See the FFBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FFB Bancorp operates as a bank. It provides a full range of banking services such as checking, savings, certificates of deposits, loans and credits, online banking, mobile banking, debit cards, cash management services, and remote deposit capture service. It generates revenue in the form of interest income.
79GF Score
Get the complete analysis for FFBB
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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