First Berlin BancorpFTFI 42 Net Margin % is 34.26% as of Mar. 2026, which is 8% above its 10-year median of 31.81. GuruFocus rates FTFI with a GF Score™ of 42/100 and a GF Value™ of $27.07 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, First Berlin Bancorp ranks better than 74.13% on this metric.
The historical rank and industry rank for First Berlin Bancorp's Net Margin % or its related term are showing as below:
FTFI'
s Net Margin % Range Over the Past 10 Years
Min: 25.96 Med: 31.81 Max: 34.6
Current: 34.59
FTFI's Net Margin % is ranked better than 74.13% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs FTFI: 34.59
First Berlin Bancorp (OTCPK:FTFI) 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 Berlin Bancorp Net Margin % Related Terms
First Berlin Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for First Berlin Bancorp'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, First Berlin Bancorp'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 Berlin Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Berlin Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Berlin Bancorp'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 Berlin Bancorp (FTFI) has a Net Margin % of 34.26% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on First Berlin Bancorp and its competitors. This is near median its historical median of 31.81. Over the past decade, First Berlin Bancorp's Net Margin % has ranged from 25.96 to 34.60. According to the industry distribution chart, First Berlin Bancorp ranks #395 out of 1527 companies in the Banks industry, placing it in the top 25.9%.
Is First Berlin Bancorp's Net Margin % too high?
First Berlin Bancorp's current Net Margin % of 34.26% is near median its 10-year median of 31.81. Over the past 10 years, this metric has ranged from a low of 25.96 to a high of 34.60. The Banks industry median Net Margin % is 26.95. First Berlin Bancorp's value of 34.26% is 27.1% above this industry median. Based on the distribution chart, First Berlin Bancorp ranks #395 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, First Berlin Bancorp has a GF Score™ of 42/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Berlin Bancorp's Net Margin % compare to BSFO and FDVA?
According to the Banks industry distribution chart, First Berlin Bancorp ranks #395 out of 1527 companies for Net Margin %. This puts First Berlin Bancorp in the upper half of its industry. The industry median Net Margin % is 26.95. First Berlin Bancorp's value of 34.26% is 27.1% above this benchmark. Historically, First Berlin Bancorp's own Net Margin % has ranged from 25.96 to 34.60 over the past decade. While the company's 10-year median is 31.81 vs. the industry median of 26.95, First Berlin Bancorp 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. First Berlin Bancorp's current Net Margin % of 34.26% is 27.1% 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 First Berlin Bancorp 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. First Berlin Bancorp's current Net Margin % is 34.26%, which is near median its own 10-year median of 31.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Berlin Bancorp stock overvalued right now?
Based on GuruFocus' analysis, First Berlin Bancorp (FTFI) is currently considered Significantly Overvalued. The stock's GF Value™ is $27.07, compared to a current price of $38.25 — trading 41.3% above its estimated fair value. The current Net Margin % is 34.26%, which is near median its 10-year median of 31.81 and 27.1% above the Banks industry median of 26.95. First Berlin Bancorp's overall GF Score™ is 42/100 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 First Berlin Bancorp (FTFI), the current Net Margin % is 34.26% 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 First Berlin Bancorp (FTFI) Overvalued in 2026?
Based on GuruFocus' analysis, First Berlin Bancorp stock appears to be overvalued.
The current stock price of $38.25 is trading 41.3% above its estimated GF Value™ of $27.07.
GuruFocus considers First Berlin Bancorp to be Significantly Overvalued.
Key valuation signals for FTFI:
Net Margin %: 34.26% (near median its 10-year median of 31.81)
GF Value™: $27.07 vs. price of $38.25 (41.3% above fair value)
Industry Position: 27.1% above the Banks median (#395 of 1527)
No single metric tells the full story. See the FTFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Berlin Bancorp Inc is a state charted bank providing a full range of financial services including the granting of agribusiness, commercial, residential and consumer loans and accepting deposits from customers mainly in Central Wisconsin.
42GF Score
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