First Financial Holding CoFFHMY 76 Net Margin % is 25.94% as of Dec. 2025, which is 18% below its 10-year median of 31.48. GuruFocus rates FFHMY with a GF Score™ of 76/100 and a GF Value™ of $9.05. The stock has 7 warning signs investors should review. Among 1,527 Banks companies, First Financial Holding Co ranks better than 74.85% on this metric.
The historical rank and industry rank for First Financial Holding Co's Net Margin % or its related term are showing as below:
FFHMY'
s Net Margin % Range Over the Past 10 Years
Min: 28.25 Med: 31.48 Max: 38.7
Current: 34.84
FFHMY's Net Margin % is ranked better than 74.85% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FFHMY: 34.84
First Financial Holding Co (OTCPK:FFHMY) 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.
First Financial Holding Co Net Margin % Related Terms
First Financial Holding Co 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.
First Financial Holding Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, First Financial Holding Co'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.
First Financial Holding Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Financial Holding Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Financial Holding Co'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.
First Financial Holding Co (FFHMY) has a Net Margin % of 25.94% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on First Financial Holding Co and its competitors. This is 18% below median its historical median of 31.48. Over the past decade, First Financial Holding Co's Net Margin % has ranged from 28.25 to 38.70. According to the industry distribution chart, First Financial Holding Co ranks #384 out of 1527 companies in the Banks industry, placing it in the top 25.1%.
Is First Financial Holding Co's Net Margin % too high?
First Financial Holding Co's current Net Margin % of 25.94% is 18% below median its 10-year median of 31.48. Over the past 10 years, this metric has ranged from a low of 28.25 to a high of 38.70. The Banks industry median Net Margin % is 26.95. First Financial Holding Co's value of 25.94% is 3.7% below this industry median. Based on the distribution chart, First Financial Holding Co ranks #384 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, First Financial Holding Co has a GF Score™ of 76/100, reflecting its overall financial health beyond just this single metric.
How does First Financial Holding Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, First Financial Holding Co ranks #384 out of 1527 companies for Net Margin %. This puts First Financial Holding Co in the upper half of its industry. The industry median Net Margin % is 26.95. First Financial Holding Co's value of 25.94% is 3.7% below this benchmark. Historically, First Financial Holding Co's own Net Margin % has ranged from 28.25 to 38.70 over the past decade. While the company's 10-year median is 31.48 vs. the industry median of 26.95, First Financial Holding Co 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. First Financial Holding Co's current Net Margin % of 25.94% is 3.7% 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 First Financial Holding Co 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. First Financial Holding Co's current Net Margin % is 25.94%, which is 18% below median its own 10-year median of 31.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Financial Holding Co stock overvalued right now?
First Financial Holding Co (FFHMY) has a current Net Margin % of 25.94%. The stock's GF Value™ is $9.05, compared to a current price of $9.77 — trading 8% above its estimated fair value. The current Net Margin % is 25.94%, which is 18% below median its 10-year median of 31.48 and 3.7% below the Banks industry median of 26.95. First Financial Holding Co's overall GF Score™ is 76/100 with 7 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 First Financial Holding Co (FFHMY), the current Net Margin % is 25.94% as of Dec. 2025. 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 First Financial Holding Co (FFHMY) Overvalued in 2026?
Based on GuruFocus' analysis, First Financial Holding Co stock appears to be overvalued.
The current stock price of $9.77 is trading 8% above its estimated GF Value™ of $9.05.
Key valuation signals for FFHMY:
Net Margin %: 25.94% (18% below median its 10-year median of 31.48)
GF Value™: $9.05 vs. price of $9.77 (8% above fair value)
Industry Position: 3.7% below the Banks median (#384 of 1527)
No single metric tells the full story. See the FFHMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Financial Holding Co Ltd is a financial services holding company that consists of various subsidiaries. The majority of the group's activities are overwhelmingly concentrated in Taiwan. Its key revenue contributing subsidiary, First Bank, derives its net revenue from net interest income through the provision of banking and other financial services. The Group operates globally in three business segments: Banking business, Securities business, Investment trust business and Insurance business. Maximum revenue is generated from the Banking business, which provides various banking and financial services such as corporate and personal banking, internet banking, remittance services, investment products, etc. Geographically, it derives key revenue from Taiwan.
76GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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