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HFB FinancialHFBA 54 Net Margin % is 19.62% as of Dec. 2025, which is 0% above its 10-year median of 19.61. GuruFocus rates HFBA with a GF Score™ of 54/100 and a GF Value™ of $36.39 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, HFB Financial ranks worse than 71.63% on this metric.
Net margin is calculated as Net Income divided by its Revenue. HFB Financial's Net Income for the
six
months ended in Dec. 2025 was $4.63 Mil. HFB Financial's Revenue for the
six
months ended in Dec. 2025 was $23.59 Mil. Therefore, HFB Financial's net margin for the quarter that ended in Dec. 2025 was 19.62%.
The historical rank and industry rank for HFB Financial's Net Margin % or its related term are showing as below:
HFBA'
s Net Margin % Range Over the Past 10 Years
Min: 12.94 Med: 19.61 Max: 180.7
Current: 19.62
HFBA's Net Margin % is ranked worse than 71.63% of 1526
companies
in the Banks industry
Industry Median: 27.07
vs HFBA: 19.62
HFB Financial (OTCPK:HFBA) 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.
HFB Financial Net Margin % Related Terms
HFB Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for HFB Financial'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, HFB 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.
HFB Financial Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, HFB Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where HFB 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.
HFB Financial (HFBA) has a Net Margin % of 19.62% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on HFB Financial and its competitors. This is near median its historical median of 19.61. Over the past decade, HFB Financial's Net Margin % has ranged from 12.94 to 180.70. According to the industry distribution chart, HFB Financial ranks #1093 out of 1526 companies in the Banks industry, placing it in the top 71.6%.
Is HFB Financial's Net Margin % too high?
HFB Financial's current Net Margin % of 19.62% is near median its 10-year median of 19.61. Over the past 10 years, this metric has ranged from a low of 12.94 to a high of 180.70. The Banks industry median Net Margin % is 27.07. HFB Financial's value of 19.62% is 27.5% below this industry median. Based on the distribution chart, HFB Financial ranks #1093 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, HFB Financial has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does HFB Financial's Net Margin % compare to HCBC and TMAK?
According to the Banks industry distribution chart, HFB Financial ranks #1093 out of 1526 companies for Net Margin %. This places HFB Financial in the lower half of its industry. The industry median Net Margin % is 27.07. HFB Financial's value of 19.62% is 27.5% below this benchmark. Historically, HFB Financial's own Net Margin % has ranged from 12.94 to 180.70 over the past decade. While the company's 10-year median is 19.61 vs. the industry median of 27.07, HFB 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 27.07, based on 1,526 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. HFB Financial's current Net Margin % of 19.62% is 27.5% 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 HFB Financial and its competitors. For the Banks industry, the median Net Margin % is 27.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. HFB Financial's current Net Margin % is 19.62%, which is near median its own 10-year median of 19.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is HFB Financial stock overvalued right now?
Based on GuruFocus' analysis, HFB Financial (HFBA) is currently considered Fairly Valued. The stock's GF Value™ is $36.39, compared to a current price of $38.00 — trading 4.4% above its estimated fair value. The current Net Margin % is 19.62%, which is near median its 10-year median of 19.61 and 27.5% below the Banks industry median of 27.07. HFB Financial's overall GF Score™ is 54/100 with 5 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 HFB Financial (HFBA), the current Net Margin % is 19.62% 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 HFB Financial (HFBA) Overvalued in 2026?
Based on GuruFocus' analysis, HFB Financial stock appears to be overvalued.
The current stock price of $38.00 is trading 4.4% above its estimated GF Value™ of $36.39.
GuruFocus considers HFB Financial to be Fairly Valued.
Key valuation signals for HFBA:
Net Margin %: 19.62% (near median its 10-year median of 19.61)
GF Value™: $36.39 vs. price of $38.00 (4.4% above fair value)
Industry Position: 27.5% below the Banks median (#1093 of 1526)
No single metric tells the full story. See the HFBA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
HFB Financial Corp is a United States-based company providing a full range of banking and financial services to individuals and corporate customers, mainly in Bell County, Kentucky, and surrounding areas in Tennessee and Virginia. It offers checking, savings, money market, certificates of deposit, health savings, and individual retirement accounts, along with overdraft and card services. The Company also provides loans, online banking, investment, and insurance-related services.
54GF Score
Get the complete analysis for HFBA
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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