Golden State BancorpGSBX -0.36%63 Net Margin % is 25.44% as of Mar. 2026, which is 41% above its 10-year median of 18.05. GuruFocus rates GSBX with a GF Score™ of 63/100 and a GF Value™ of $31.50 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Golden State Bancorp ranks better than 50.52% on this metric.
The historical rank and industry rank for Golden State Bancorp's Net Margin % or its related term are showing as below:
GSBX'
s Net Margin % Range Over the Past 10 Years
Min: -44.46 Med: 18.05 Max: 30.48
Current: 27.03
GSBX's Net Margin % is ranked better than 50.52% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs GSBX: 27.03
Golden State Bancorp (OTCPK:GSBX) 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.
Golden State Bancorp Net Margin % Related Terms
Golden State Bancorp Net Margin % Historical Data
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The historical data trend for Golden State 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, Golden State 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.
Golden State Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Golden State Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Golden State 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.
Golden State Bancorp (GSBX) has a Net Margin % of 25.44% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Golden State Bancorp and its competitors. This is 41% above median its historical median of 18.05. According to the industry distribution chart, Golden State Bancorp ranks #757 out of 1530 companies in the Banks industry, placing it in the top 49.5%.
Is Golden State Bancorp's Net Margin % too high?
Golden State Bancorp's current Net Margin % of 25.44% is 41% above median its 10-year median of 18.05. The Banks industry median Net Margin % is 26.85. Golden State Bancorp's value of 25.44% is 5.2% below this industry median. Based on the distribution chart, Golden State Bancorp ranks #757 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Golden State Bancorp has a GF Score™ of 63/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Golden State Bancorp's Net Margin % compare to PROV and RVSB?
According to the Banks industry distribution chart, Golden State Bancorp ranks #757 out of 1530 companies for Net Margin %. This puts Golden State Bancorp in the upper half of its industry. The industry median Net Margin % is 26.85. Golden State Bancorp's value of 25.44% is 5.2% below this benchmark. While the company's 10-year median is 18.05 vs. the industry median of 26.85, Golden State Bancorp 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 26.85, 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. Golden State Bancorp's current Net Margin % of 25.44% is 5.2% 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 Golden State Bancorp 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. Golden State Bancorp's current Net Margin % is 25.44%, which is 41% above median its own 10-year median of 18.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Golden State Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Golden State Bancorp (GSBX) is currently considered Modestly Overvalued. The stock's GF Value™ is $31.50, compared to a current price of $38.25 — trading 21.4% above its estimated fair value. The current Net Margin % is 25.44%, which is 41% above median its 10-year median of 18.05 and 5.2% below the Banks industry median of 26.85. Golden State Bancorp's overall GF Score™ is 63/100 with 6 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 Golden State Bancorp (GSBX), the current Net Margin % is 25.44% 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 Golden State Bancorp (GSBX) Overvalued in 2026?
Based on GuruFocus' analysis, Golden State Bancorp stock appears to be overvalued.
The current stock price of $38.25 is trading 21.4% above its estimated GF Value™ of $31.50.
GuruFocus considers Golden State Bancorp to be Modestly Overvalued.
Key valuation signals for GSBX:
Net Margin %: 25.44% (41% above median its 10-year median of 18.05)
GF Value™: $31.50 vs. price of $38.25 (21.4% above fair value)
Industry Position: 5.2% below the Banks median (#757 of 1530)
No single metric tells the full story. See the GSBX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Golden State Bancorp is a bank holding company. Through the Golden State Bank, it functions as a full-service bank, serving the business, commercial, and professional markets. The bank offers various financial products and services such as different types of loans and advances, deposit accounts, cash management services, and international banking services among others.
63GF Score
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