Harbin Bank CoFRA:5H6 -6.06%41 Net Margin % is 4.59% as of Dec. 2025, which is 46% below its 10-year median of 8.43. GuruFocus rates FRA:5H6 with a GF Score™ of 41/100 and a GF Value™ of €0.03. The stock has 5 warning signs investors should review. Among 1,527 Banks companies, Harbin Bank Co ranks worse than 88.02% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Harbin Bank Co's Net Income for the
six
months ended in Dec. 2025 was €28 Mil. Harbin Bank Co's Revenue for the
six
months ended in Dec. 2025 was €607 Mil. Therefore, Harbin Bank Co's net margin for the quarter that ended in Dec. 2025 was 4.59%.
The historical rank and industry rank for Harbin Bank Co's Net Margin % or its related term are showing as below:
FRA:5H6'
s Net Margin % Range Over the Past 10 Years
Min: 2.36 Med: 8.43 Max: 38.81
Current: 9.92
FRA:5H6's Net Margin % is ranked worse than 88.02% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:5H6: 9.92
Harbin Bank Co (FRA:5H6) 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.
Harbin Bank Co Net Margin % Related Terms
Harbin Bank Co Net Margin % Historical Data
* Premium members only.
The historical data trend for Harbin Bank Co'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, Harbin Bank 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.
Harbin Bank Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Harbin Bank Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Harbin Bank 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.
Harbin Bank Co (FRA:5H6) has a Net Margin % of 4.59% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Harbin Bank Co and its competitors. This is 46% below median its historical median of 8.43. Over the past decade, Harbin Bank Co's Net Margin % has ranged from 2.36 to 38.81. According to the industry distribution chart, Harbin Bank Co ranks #1344 out of 1527 companies in the Banks industry, placing it in the top 88%.
Is Harbin Bank Co's Net Margin % too high?
Harbin Bank Co's current Net Margin % of 4.59% is 46% below median its 10-year median of 8.43. Over the past 10 years, this metric has ranged from a low of 2.36 to a high of 38.81. The Banks industry median Net Margin % is 26.95. Harbin Bank Co's value of 4.59% is 83% below this industry median. Based on the distribution chart, Harbin Bank Co ranks #1344 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Harbin Bank Co has a GF Score™ of 41/100, reflecting its overall financial health beyond just this single metric.
How does Harbin Bank Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Harbin Bank Co ranks #1344 out of 1527 companies for Net Margin %. This places Harbin Bank Co in the lower half of its industry. The industry median Net Margin % is 26.95. Harbin Bank Co's value of 4.59% is 83% below this benchmark. Historically, Harbin Bank Co's own Net Margin % has ranged from 2.36 to 38.81 over the past decade. While the company's 10-year median is 8.43 vs. the industry median of 26.95, Harbin Bank 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. Harbin Bank Co's current Net Margin % of 4.59% is 83% 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 Harbin Bank 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. Harbin Bank Co's current Net Margin % is 4.59%, which is 46% below median its own 10-year median of 8.43. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Harbin Bank Co stock overvalued right now?
Harbin Bank Co (FRA:5H6) has a current Net Margin % of 4.59%. The stock's GF Value™ is €0.03, compared to a current price of €0.03 — trading 3.3% above its estimated fair value. The current Net Margin % is 4.59%, which is 46% below median its 10-year median of 8.43 and 83% below the Banks industry median of 26.95. Harbin Bank Co's overall GF Score™ is 41/100 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 Harbin Bank Co (FRA:5H6), the current Net Margin % is 4.59% 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 Harbin Bank Co (FRA:5H6) Overvalued in 2026?
Based on GuruFocus' analysis, Harbin Bank Co stock appears to be overvalued.
The current stock price of €0.03 is trading 3.3% above its estimated GF Value™ of €0.03.
Key valuation signals for FRA:5H6:
Net Margin %: 4.59% (46% below median its 10-year median of 8.43)
GF Value™: €0.03 vs. price of €0.03 (3.3% above fair value)
Industry Position: 83% below the Banks median (#1344 of 1527)
No single metric tells the full story. See the FRA:5H6 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Harbin Bank Co Ltd provides deposit services, loan services, payment and settlement services and financial leasing services, as well as other financial services approved by the NFRA. Its segments include Corporate financial business, Retail financial business, Interbank financial business, and Other business. The majority of the revenue is derived from Corporate financial business which provides financial products and services to corporate customers, including deposits, loans, settlement and clearing and other products and services relating to the trading business. Its geographical segments include Heilongjiang region, Other regions in Northeastern China, Southwestern China, and Other regions.
41GF Score
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