Berner Kantonalbank AGFRA:BEHV -0.51%44 Net Margin % is 36.33% as of Dec. 2025, which is 8% above its 10-year median of 33.49. GuruFocus rates FRA:BEHV with a GF Score™ of 44/100 and a GF Value™ of €267.47 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Berner Kantonalbank AG ranks better than 67.45% on this metric.
The historical rank and industry rank for Berner Kantonalbank AG's Net Margin % or its related term are showing as below:
FRA:BEHV'
s Net Margin % Range Over the Past 10 Years
Min: 31.65 Med: 33.49 Max: 35.46
Current: 31.89
FRA:BEHV's Net Margin % is ranked better than 67.45% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs FRA:BEHV: 31.89
Berner Kantonalbank AG (FRA:BEHV) 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.
Berner Kantonalbank AG Net Margin % Related Terms
Berner Kantonalbank AG 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.
Berner Kantonalbank AG Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Berner Kantonalbank AG'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.
Berner Kantonalbank AG Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Berner Kantonalbank AG's Net Margin % distribution charts can be found below:
* The bar in red indicates where Berner Kantonalbank AG'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.
Berner Kantonalbank AG (FRA:BEHV) has a Net Margin % of 36.33% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Berner Kantonalbank AG and its competitors. This is near median its historical median of 33.49. Over the past decade, Berner Kantonalbank AG's Net Margin % has ranged from 31.65 to 35.46. According to the industry distribution chart, Berner Kantonalbank AG ranks #498 out of 1530 companies in the Banks industry, placing it in the top 32.5%.
Is Berner Kantonalbank AG's Net Margin % too high?
Berner Kantonalbank AG's current Net Margin % of 36.33% is near median its 10-year median of 33.49. Over the past 10 years, this metric has ranged from a low of 31.65 to a high of 35.46. The Banks industry median Net Margin % is 26.85. Berner Kantonalbank AG's value of 36.33% is 35.3% above this industry median. Based on the distribution chart, Berner Kantonalbank AG ranks #498 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Berner Kantonalbank AG has a GF Score™ of 44/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Berner Kantonalbank AG's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Berner Kantonalbank AG ranks #498 out of 1530 companies for Net Margin %. This puts Berner Kantonalbank AG in the upper half of its industry. The industry median Net Margin % is 26.85. Berner Kantonalbank AG's value of 36.33% is 35.3% above this benchmark. Historically, Berner Kantonalbank AG's own Net Margin % has ranged from 31.65 to 35.46 over the past decade. While the company's 10-year median is 33.49 vs. the industry median of 26.85, Berner Kantonalbank AG 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 26.85, based on 1,530 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. Berner Kantonalbank AG's current Net Margin % of 36.33% is 35.3% 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 Berner Kantonalbank AG and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Berner Kantonalbank AG's current Net Margin % is 36.33%, which is near median its own 10-year median of 33.49. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Berner Kantonalbank AG stock overvalued right now?
Based on GuruFocus' analysis, Berner Kantonalbank AG (FRA:BEHV) is currently considered Significantly Overvalued. The stock's GF Value™ is €267.47, compared to a current price of €392.00 — trading 46.6% above its estimated fair value. The current Net Margin % is 36.33%, which is near median its 10-year median of 33.49 and 35.3% above the Banks industry median of 26.85. Berner Kantonalbank AG's overall GF Score™ is 44/100 with 3 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 Berner Kantonalbank AG (FRA:BEHV), the current Net Margin % is 36.33% 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 Berner Kantonalbank AG (FRA:BEHV) Overvalued in 2026?
Based on GuruFocus' analysis, Berner Kantonalbank AG stock appears to be overvalued.
The current stock price of €392.00 is trading 46.6% above its estimated GF Value™ of €267.47.
GuruFocus considers Berner Kantonalbank AG to be Significantly Overvalued.
Key valuation signals for FRA:BEHV:
Net Margin %: 36.33% (near median its 10-year median of 33.49)
GF Value™: €267.47 vs. price of €392.00 (46.6% above fair value)
Industry Position: 35.3% above the Banks median (#498 of 1530)
No single metric tells the full story. See the FRA:BEHV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Berner Kantonalbank AG is a Swiss cantonal bank. It is engaged in the business activities in the Canton and the neighboring economic area. It manages the assets, grants loans to private individuals and companies. The bank offers solutions for paying, saving, investing, financing and provisioning. It focuses its activities on two core business areas namely business with private and corporate customers, in particular, SMEs, and asset management. The bank provides consultancies to SMEs and individuals, as an employer, as a training bank, and as a taxpayer.
44GF Score
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