CB First Investment Bank ADFRA:834 -1.97%60 Net Margin % is 31.05% as of Mar. 2026, which is 34% above its 10-year median of 23.09. GuruFocus rates FRA:834 with a GF Score™ of 60/100 and a GF Value™ of €4.51 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, CB First Investment Bank AD ranks worse than 50.95% on this metric.
The historical rank and industry rank for CB First Investment Bank AD's Net Margin % or its related term are showing as below:
FRA:834'
s Net Margin % Range Over the Past 10 Years
Min: 11.72 Med: 23.09 Max: 34.96
Current: 26.56
FRA:834's Net Margin % is ranked worse than 50.95% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FRA:834: 26.56
CB First Investment Bank AD (FRA:834) 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.
CB First Investment Bank AD Net Margin % Related Terms
CB First Investment Bank AD 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, CB First Investment Bank AD'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.
CB First Investment Bank AD Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CB First Investment Bank AD's Net Margin % distribution charts can be found below:
* The bar in red indicates where CB First Investment Bank AD'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.
CB First Investment Bank AD (FRA:834) has a Net Margin % of 31.05% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on CB First Investment Bank AD and its competitors. This is 34% above median its historical median of 23.09. Over the past decade, CB First Investment Bank AD's Net Margin % has ranged from 11.72 to 34.96. According to the industry distribution chart, CB First Investment Bank AD ranks #778 out of 1527 companies in the Banks industry, placing it in the top 50.9%.
Is CB First Investment Bank AD's Net Margin % too high?
CB First Investment Bank AD's current Net Margin % of 31.05% is 34% above median its 10-year median of 23.09. Over the past 10 years, this metric has ranged from a low of 11.72 to a high of 34.96. The Banks industry median Net Margin % is 26.95. CB First Investment Bank AD's value of 31.05% is 15.2% above this industry median. Based on the distribution chart, CB First Investment Bank AD ranks #778 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, CB First Investment Bank AD has a GF Score™ of 60/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB First Investment Bank AD's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, CB First Investment Bank AD ranks #778 out of 1527 companies for Net Margin %. This places CB First Investment Bank AD in the lower half of its industry. The industry median Net Margin % is 26.95. CB First Investment Bank AD's value of 31.05% is 15.2% above this benchmark. Historically, CB First Investment Bank AD's own Net Margin % has ranged from 11.72 to 34.96 over the past decade. While the company's 10-year median is 23.09 vs. the industry median of 26.95, CB First Investment Bank AD 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. CB First Investment Bank AD's current Net Margin % of 31.05% is 15.2% 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 CB First Investment Bank AD 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. CB First Investment Bank AD's current Net Margin % is 31.05%, which is 34% above median its own 10-year median of 23.09. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB First Investment Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB First Investment Bank AD (FRA:834) is currently considered Significantly Undervalued. The stock's GF Value™ is €4.51, compared to a current price of €2.98 — trading 33.9% below its estimated fair value. The current Net Margin % is 31.05%, which is 34% above median its 10-year median of 23.09 and 15.2% above the Banks industry median of 26.95. CB First Investment Bank AD's overall GF Score™ is 60/100 with 4 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 CB First Investment Bank AD (FRA:834), the current Net Margin % is 31.05% 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 CB First Investment Bank AD (FRA:834) Overvalued in 2026?
Based on GuruFocus' analysis, CB First Investment Bank AD stock appears to be undervalued.
The current stock price of €2.98 is trading 33.9% below its estimated GF Value™ of €4.51.
GuruFocus considers CB First Investment Bank AD to be Significantly Undervalued.
Key valuation signals for FRA:834:
Net Margin %: 31.05% (34% above median its 10-year median of 23.09)
GF Value™: €4.51 vs. price of €2.98 (33.9% below fair value)
Industry Position: 15.2% above the Banks median (#778 of 1527)
No single metric tells the full story. See the FRA:834 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB First Investment Bank AD provides banking services. The company provides Retail banking; Microlending; SME banking; Corporate banking; Card payments; Digital banking; Trade financing; International payments; Corporate lending, and others. Geographically the group operates principally in Bulgaria but also has operations in Cyprus and Albania.
60GF Score
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