Huishang BankHHSSF 53 Net Margin % is 40.63% as of Dec. 2025, which is 20% above its 10-year median of 33.96. GuruFocus rates HHSSF with a GF Score™ of 53/100 and a GF Value™ of $0.23. The stock has 7 warning signs investors should review. Among 1,527 Banks companies, Huishang Bank ranks better than 87.36% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Huishang Bank's Net Income for the
six
months ended in Dec. 2025 was $1,053 Mil. Huishang Bank's Revenue for the
six
months ended in Dec. 2025 was $2,591 Mil. Therefore, Huishang Bank's net margin for the quarter that ended in Dec. 2025 was 40.63%.
The historical rank and industry rank for Huishang Bank's Net Margin % or its related term are showing as below:
HHSSF'
s Net Margin % Range Over the Past 10 Years
Min: 29.64 Med: 33.96 Max: 45.67
Current: 42.06
HHSSF's Net Margin % is ranked better than 87.36% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs HHSSF: 42.06
Huishang Bank (OTCPK:HHSSF) 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.
Huishang Bank Net Margin % Related Terms
Huishang Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for Huishang Bank'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, Huishang Bank'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.
Huishang Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Huishang Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Huishang Bank'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.
Huishang Bank (HHSSF) has a Net Margin % of 40.63% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Huishang Bank and its competitors. This is 20% above median its historical median of 33.96. Over the past decade, Huishang Bank's Net Margin % has ranged from 29.64 to 45.67. According to the industry distribution chart, Huishang Bank ranks #193 out of 1527 companies in the Banks industry, placing it in the top 12.6%.
Is Huishang Bank's Net Margin % too high?
Huishang Bank's current Net Margin % of 40.63% is 20% above median its 10-year median of 33.96. Over the past 10 years, this metric has ranged from a low of 29.64 to a high of 45.67. The Banks industry median Net Margin % is 26.95. Huishang Bank's value of 40.63% is 50.8% above this industry median. Based on the distribution chart, Huishang Bank ranks #193 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Huishang Bank has a GF Score™ of 53/100, reflecting its overall financial health beyond just this single metric.
How does Huishang Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Huishang Bank ranks #193 out of 1527 companies for Net Margin %. This places Huishang Bank in the top 13% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Huishang Bank's value of 40.63% is 50.8% above this benchmark. Historically, Huishang Bank's own Net Margin % has ranged from 29.64 to 45.67 over the past decade. While the company's 10-year median is 33.96 vs. the industry median of 26.95, Huishang Bank 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. Huishang Bank's current Net Margin % of 40.63% is 50.8% 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 Huishang Bank 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. Huishang Bank's current Net Margin % is 40.63%, which is 20% above median its own 10-year median of 33.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Huishang Bank stock overvalued right now?
Huishang Bank (HHSSF) has a current Net Margin % of 40.63%. The stock's GF Value™ is $0.23, compared to a current price of $0.42 — trading 81.1% above its estimated fair value. The current Net Margin % is 40.63%, which is 20% above median its 10-year median of 33.96 and 50.8% above the Banks industry median of 26.95. Huishang Bank's overall GF Score™ is 53/100 with 7 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 Huishang Bank (HHSSF), the current Net Margin % is 40.63% 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 Huishang Bank (HHSSF) Overvalued in 2026?
Based on GuruFocus' analysis, Huishang Bank stock appears to be overvalued.
The current stock price of $0.42 is trading 81.1% above its estimated GF Value™ of $0.23.
Key valuation signals for HHSSF:
Net Margin %: 40.63% (20% above median its 10-year median of 33.96)
GF Value™: $0.23 vs. price of $0.42 (81.1% above fair value)
Industry Position: 50.8% above the Banks median (#193 of 1527)
No single metric tells the full story. See the HHSSF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Huishang Bank Corp Ltd is a regional commercial bank in China. The company operates through four main business segments: corporate banking, retail banking, treasury, and others. The corporate banking segment provides financial services to corporate customers, government authorities, and financial institutions, such as current accounts, deposits, overdrafts, loans, and wealth management products. The retail banking segment provides services to retail customers, such as savings deposits, personal loans, and advances. The treasury segment provides securities investment and money market and repurchase transactions. The other segment includes investment holding and other miscellaneous activities. The company operates in Mainland China and earns the majority of its revenue in the Anhui Province.
53GF Score
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