Gunma BankFRA:5F0 +0.82%48 Net Margin % is 30.15% as of Mar. 2026, which is 55% above its 10-year median of 19.49. GuruFocus rates FRA:5F0 with a GF Score™ of 48/100 and a GF Value™ of €6.74 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Gunma Bank ranks better than 61.89% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Gunma Bank's Net Income for the
three
months ended in Mar. 2026 was €77 Mil. Gunma Bank's Revenue for the
three
months ended in Mar. 2026 was €254 Mil. Therefore, Gunma Bank's net margin for the quarter that ended in Mar. 2026 was 30.15%.
The historical rank and industry rank for Gunma Bank's Net Margin % or its related term are showing as below:
FRA:5F0'
s Net Margin % Range Over the Past 10 Years
Min: 10.18 Med: 19.49 Max: 30.4
Current: 30.4
FRA:5F0's Net Margin % is ranked better than 61.89% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:5F0: 30.40
Gunma Bank (FRA:5F0) 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.
Gunma Bank Net Margin % Related Terms
Gunma Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Gunma Bank'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, Gunma Bank'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.
Gunma Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Gunma Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Gunma Bank'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.
Gunma Bank (FRA:5F0) has a Net Margin % of 30.15% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Gunma Bank and its competitors. This is 55% above median its historical median of 19.49. Over the past decade, Gunma Bank's Net Margin % has ranged from 10.18 to 30.40. According to the industry distribution chart, Gunma Bank ranks #582 out of 1527 companies in the Banks industry, placing it in the top 38.1%.
Is Gunma Bank's Net Margin % too high?
Gunma Bank's current Net Margin % of 30.15% is 55% above median its 10-year median of 19.49. Over the past 10 years, this metric has ranged from a low of 10.18 to a high of 30.40. The Banks industry median Net Margin % is 26.95. Gunma Bank's value of 30.15% is 11.9% above this industry median. Based on the distribution chart, Gunma Bank ranks #582 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Gunma Bank has a GF Score™ of 48/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Gunma Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Gunma Bank ranks #582 out of 1527 companies for Net Margin %. This puts Gunma Bank in the upper half of its industry. The industry median Net Margin % is 26.95. Gunma Bank's value of 30.15% is 11.9% above this benchmark. Historically, Gunma Bank's own Net Margin % has ranged from 10.18 to 30.40 over the past decade. While the company's 10-year median is 19.49 vs. the industry median of 26.95, Gunma Bank has consistently been above 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. Gunma Bank's current Net Margin % of 30.15% is 11.9% above 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 Gunma Bank 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. Gunma Bank's current Net Margin % is 30.15%, which is 55% above median its own 10-year median of 19.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Gunma Bank stock overvalued right now?
Based on GuruFocus' analysis, Gunma Bank (FRA:5F0) is currently considered Significantly Overvalued. The stock's GF Value™ is €6.74, compared to a current price of €12.30 — trading 82.5% above its estimated fair value. The current Net Margin % is 30.15%, which is 55% above median its 10-year median of 19.49 and 11.9% above the Banks industry median of 26.95. Gunma Bank's overall GF Score™ is 48/100 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 Gunma Bank (FRA:5F0), the current Net Margin % is 30.15% 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 Gunma Bank (FRA:5F0) Overvalued in 2026?
Based on GuruFocus' analysis, Gunma Bank stock appears to be overvalued.
The current stock price of €12.30 is trading 82.5% above its estimated GF Value™ of €6.74.
GuruFocus considers Gunma Bank to be Significantly Overvalued.
Key valuation signals for FRA:5F0:
Net Margin %: 30.15% (55% above median its 10-year median of 19.49)
GF Value™: €6.74 vs. price of €12.30 (82.5% above fair value)
Industry Position: 11.9% above the Banks median (#582 of 1527)
No single metric tells the full story. See the FRA:5F0 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Gunma Bank Ltd is a Japan-based company that is principally engaged in providing banking services. As a regional bank, the company conducts business mainly in Gunma Prefecture and neighboring areas. The company's core segments include the banking segment and the leasing segment, with the banking segment contributing the majority of the company's revenue. The company also has a securities business, a guarantee business, a credit card business, and other businesses.
48GF Score
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