Golden VY BancsharesGVYB 53 Net Margin % is 25.09% as of Mar. 2026, which is 3% below its 10-year median of 25.87. GuruFocus rates GVYB with a GF Score™ of 53/100 and a GF Value™ of $22.53 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,528 Banks companies, Golden VY Bancshares ranks worse than 55.76% on this metric.
The historical rank and industry rank for Golden VY Bancshares's Net Margin % or its related term are showing as below:
GVYB'
s Net Margin % Range Over the Past 10 Years
Min: 20.48 Med: 25.87 Max: 31.52
Current: 24.92
GVYB's Net Margin % is ranked worse than 55.76% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs GVYB: 24.92
Golden VY Bancshares (OTCPK:GVYB) 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 VY Bancshares Net Margin % Related Terms
Golden VY Bancshares Net Margin % Historical Data
* Premium members only.
The historical data trend for Golden VY Bancshares'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 VY Bancshares'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 VY Bancshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Golden VY Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Golden VY Bancshares'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 VY Bancshares (GVYB) has a Net Margin % of 25.09% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Golden VY Bancshares and its competitors. This is near median its historical median of 25.87. Over the past decade, Golden VY Bancshares' Net Margin % has ranged from 20.48 to 31.52. According to the industry distribution chart, Golden VY Bancshares ranks #852 out of 1528 companies in the Banks industry, placing it in the top 55.8%.
Is Golden VY Bancshares' Net Margin % too high?
Golden VY Bancshares' current Net Margin % of 25.09% is near median its 10-year median of 25.87. Over the past 10 years, this metric has ranged from a low of 20.48 to a high of 31.52. The Banks industry median Net Margin % is 26.85. Golden VY Bancshares' value of 25.09% is 6.5% below this industry median. Based on the distribution chart, Golden VY Bancshares ranks #852 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Golden VY Bancshares has a GF Score™ of 53/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Golden VY Bancshares' Net Margin % compare to WSSH and TBBC?
According to the Banks industry distribution chart, Golden VY Bancshares ranks #852 out of 1528 companies for Net Margin %. This places Golden VY Bancshares in the lower half of its industry. The industry median Net Margin % is 26.85. Golden VY Bancshares' value of 25.09% is 6.5% below this benchmark. Historically, Golden VY Bancshares' own Net Margin % has ranged from 20.48 to 31.52 over the past decade. While the company's 10-year median is 25.87 vs. the industry median of 26.85, Golden VY Bancshares 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 1,528 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 VY Bancshares's current Net Margin % of 25.09% is 6.5% 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 VY Bancshares 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 VY Bancshares's current Net Margin % is 25.09%, which is near median its own 10-year median of 25.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Golden VY Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Golden VY Bancshares (GVYB) is currently considered Modestly Overvalued. The stock's GF Value™ is $22.53, compared to a current price of $26.00 — trading 15.4% above its estimated fair value. The current Net Margin % is 25.09%, which is near median its 10-year median of 25.87 and 6.5% below the Banks industry median of 26.85. Golden VY Bancshares' overall GF Score™ is 53/100 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 Golden VY Bancshares (GVYB), the current Net Margin % is 25.09% 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 VY Bancshares (GVYB) Overvalued in 2026?
Based on GuruFocus' analysis, Golden VY Bancshares stock appears to be overvalued.
The current stock price of $26.00 is trading 15.4% above its estimated GF Value™ of $22.53.
GuruFocus considers Golden VY Bancshares to be Modestly Overvalued.
Key valuation signals for GVYB:
Net Margin %: 25.09% (near median its 10-year median of 25.87)
GF Value™: $22.53 vs. price of $26.00 (15.4% above fair value)
Industry Position: 6.5% below the Banks median (#852 of 1528)
No single metric tells the full story. See the GVYB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Golden VY Bancshares Inc is the parent company of its wholly-owned subsidiary, Golden Valley Bank. The Bank is a commercial bank that provides a wide range of loans, deposit products, and services to its surrounding communities in Butte, Shasta, and surrounding counties.
53GF Score
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