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First National of Nebraska (OTCPK:FINN) 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 National of Nebraska Net Margin % Related Terms
First National of Nebraska 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, First National of Nebraska'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 National of Nebraska Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First National of Nebraska's Net Margin % distribution charts can be found below:
* The bar in red indicates where First National of Nebraska'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 National of Nebraska (FINN) has a Net Margin % of 20.52% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on First National of Nebraska and its competitors. This is 11% above median its historical median of 18.43. Over the past decade, First National of Nebraska's Net Margin % has ranged from 10.70 to 34.50. According to the industry distribution chart, First National of Nebraska ranks #1056 out of 1526 companies in the Banks industry, placing it in the top 69.2%.
Is First National of Nebraska's Net Margin % too high?
First National of Nebraska's current Net Margin % of 20.52% is 11% above median its 10-year median of 18.43. Over the past 10 years, this metric has ranged from a low of 10.70 to a high of 34.50. The Banks industry median Net Margin % is 27.06. First National of Nebraska's value of 20.52% is 24.2% below this industry median. Based on the distribution chart, First National of Nebraska ranks #1056 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, First National of Nebraska has a GF Score™ of 15/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First National of Nebraska's Net Margin % compare to TFSL and EBC?
According to the Banks industry distribution chart, First National of Nebraska ranks #1056 out of 1526 companies for Net Margin %. This places First National of Nebraska in the lower half of its industry. The industry median Net Margin % is 27.06. First National of Nebraska's value of 20.52% is 24.2% below this benchmark. Historically, First National of Nebraska's own Net Margin % has ranged from 10.70 to 34.50 over the past decade. While the company's 10-year median is 18.43 vs. the industry median of 27.06, First National of Nebraska 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 27.06, based on 1,526 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 National of Nebraska's current Net Margin % of 20.52% is 24.2% 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 First National of Nebraska and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First National of Nebraska's current Net Margin % is 20.52%, which is 11% above median its own 10-year median of 18.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First National of Nebraska stock overvalued right now?
Based on GuruFocus' analysis, First National of Nebraska (FINN) is currently considered Modestly Overvalued. The stock's GF Value™ is $15,644.92, compared to a current price of $18,800.00 — trading 20.2% above its estimated fair value. The current Net Margin % is 20.52%, which is 11% above median its 10-year median of 18.43 and 24.2% below the Banks industry median of 27.06. First National of Nebraska's overall GF Score™ is 15/100 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 First National of Nebraska (FINN), the current Net Margin % is 20.52% 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 National of Nebraska (FINN) Overvalued in 2026?
Based on GuruFocus' analysis, First National of Nebraska stock appears to be overvalued.
The current stock price of $18,800.00 is trading 20.2% above its estimated GF Value™ of $15,644.92.
GuruFocus considers First National of Nebraska to be Modestly Overvalued.
Key valuation signals for FINN:
Net Margin %: 20.52% (11% above median its 10-year median of 18.43)
GF Value™: $15,644.92 vs. price of $18,800.00 (20.2% above fair value)
Industry Position: 24.2% below the Banks median (#1056 of 1526)
No single metric tells the full story. See the FINN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First National of Nebraska Inc is a Nebraska-based interstate financial holding company operated by its banking subsidiary. Additionally, the Company has nonbanking subsidiaries engaged in various businesses, including technology hosting and related activities. The Bank's primary objective is to enhance the financial well-being of its customers through a customer-centric business model focused on providing financial advice and guidance and relevant financial solutions. The Bank supports its business customers with real estate, commercial, and agriculture loans as well as cash and wealth management solutions.
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