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The historical rank and industry rank for Greenville Federal Financial's Net Margin % or its related term are showing as below:
GVFF'
s Net Margin % Range Over the Past 10 Years
Min: -61.33 Med: 5.94 Max: 12.72
Current: 2.81
GVFF's Net Margin % is ranked worse than 93.91% of 1527
companies
in the Banks industry
Industry Median: 27.06
vs GVFF: 2.81
Greenville Federal Financial (OTCPK:GVFF) 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.
Greenville Federal Financial Net Margin % Related Terms
Greenville Federal Financial 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, Greenville Federal Financial'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.
Greenville Federal Financial Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Greenville Federal Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Greenville Federal Financial'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.
Greenville Federal Financial (GVFF) has a Net Margin % of 4.35% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Greenville Federal Financial and its competitors. This is 27% below median its historical median of 5.94. According to the industry distribution chart, Greenville Federal Financial ranks #1434 out of 1527 companies in the Banks industry, placing it in the top 93.9%.
Is Greenville Federal Financial's Net Margin % too high?
Greenville Federal Financial's current Net Margin % of 4.35% is 27% below median its 10-year median of 5.94. The Banks industry median Net Margin % is 27.06. Greenville Federal Financial's value of 4.35% is 83.9% below this industry median. Based on the distribution chart, Greenville Federal Financial ranks #1434 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Greenville Federal Financial has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Greenville Federal Financial's Net Margin % compare to GLBZ and FNFI?
According to the Banks industry distribution chart, Greenville Federal Financial ranks #1434 out of 1527 companies for Net Margin %. This places Greenville Federal Financial in the lower half of its industry. The industry median Net Margin % is 27.06. Greenville Federal Financial's value of 4.35% is 83.9% below this benchmark. While the company's 10-year median is 5.94 vs. the industry median of 27.06, Greenville Federal Financial 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 27.06, 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. Greenville Federal Financial's current Net Margin % of 4.35% is 83.9% 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 Greenville Federal Financial and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greenville Federal Financial's current Net Margin % is 4.35%, which is 27% below median its own 10-year median of 5.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Greenville Federal Financial stock overvalued right now?
Based on GuruFocus' analysis, Greenville Federal Financial (GVFF) is currently considered Fairly Valued. The stock's GF Value™ is $7.74, compared to a current price of $7.34 — trading 5.2% below its estimated fair value. The current Net Margin % is 4.35%, which is 27% below median its 10-year median of 5.94 and 83.9% below the Banks industry median of 27.06. Greenville Federal Financial's overall GF Score™ is 65/100 with 2 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 Greenville Federal Financial (GVFF), the current Net Margin % is 4.35% 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 Greenville Federal Financial (GVFF) Overvalued in 2026?
Based on GuruFocus' analysis, Greenville Federal Financial stock appears to be undervalued.
The current stock price of $7.34 is trading 5.2% below its estimated GF Value™ of $7.74.
GuruFocus considers Greenville Federal Financial to be Fairly Valued.
Key valuation signals for GVFF:
Net Margin %: 4.35% (27% below median its 10-year median of 5.94)
GF Value™: $7.74 vs. price of $7.34 (5.2% below fair value)
Industry Position: 83.9% below the Banks median (#1434 of 1527)
No single metric tells the full story. See the GVFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Greenville Federal Financial Corporation is engaged in providing financial services. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, commercial real estate and consumer loans. It offers services through its main and branch offices in Greenville, Ohio, and branch offices in Troy, Ohio, and Tipp City, Ohio.
65GF Score
Get the complete analysis for GVFF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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