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Bank of Tianjin CoHKSE:01578 -0.24%55 Net Margin % is 21.27% as of Jun. 2026, which is 20% below its 10-year median of 26.67. GuruFocus rates HKSE:01578 with a GF Score™ of 55/100 and a GF Value™ of HK$2.05 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,520 Banks companies, Bank of Tianjin Co ranks worse than 63.36% on this metric.
Bank of Tianjin Co (HKSE:01578) 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.
Bank of Tianjin Co Net Margin % Related Terms
Bank of Tianjin Co Net Margin % Historical Data
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The historical data trend for Bank of Tianjin Co'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.
Bank of Tianjin Co Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Bank of Tianjin Co'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.
Bank of Tianjin Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Tianjin Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank of Tianjin Co'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.
Bank of Tianjin Co (HKSE:01578) has a Net Margin % of 21.27% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank of Tianjin Co and its competitors. This is 20% below median its historical median of 26.67. Over the past decade, Bank of Tianjin Co's Net Margin % has ranged from 17.53 to 38.33. According to the industry distribution chart, Bank of Tianjin Co ranks #963 out of 1520 companies in the Banks industry, placing it in the top 63.4%.
Is Bank of Tianjin Co's Net Margin % too high?
Bank of Tianjin Co's current Net Margin % of 21.27% is 20% below median its 10-year median of 26.67. Over the past 10 years, this metric has ranged from a low of 17.53 to a high of 38.33. The Banks industry median Net Margin % is 27.29. Bank of Tianjin Co's value of 21.27% is 22% below this industry median. Based on the distribution chart, Bank of Tianjin Co ranks #963 out of 1520 companies in the Banks industry, which is below the industry midpoint. Overall, Bank of Tianjin Co has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Bank of Tianjin Co's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Bank of Tianjin Co ranks #963 out of 1520 companies for Net Margin %. This places Bank of Tianjin Co in the lower half of its industry. The industry median Net Margin % is 27.29. Bank of Tianjin Co's value of 21.27% is 22% below this benchmark. Historically, Bank of Tianjin Co's own Net Margin % has ranged from 17.53 to 38.33 over the past decade. While the company's 10-year median is 26.67 vs. the industry median of 27.29, Bank of Tianjin Co 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 27.29, based on 1,520 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. Bank of Tianjin Co's current Net Margin % of 21.27% is 22% 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 Bank of Tianjin Co and its competitors. For the Banks industry, the median Net Margin % is 27.29 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Bank of Tianjin Co's current Net Margin % is 21.27%, which is 20% below median its own 10-year median of 26.67. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Tianjin Co stock overvalued right now?
Based on GuruFocus' analysis, Bank of Tianjin Co (HKSE:01578) is currently considered Fairly Valued. The stock's GF Value™ is HK$2.05, compared to a current price of HK$2.06 — trading 0.5% above its estimated fair value. The current Net Margin % is 21.27%, which is 20% below median its 10-year median of 26.67 and 22% below the Banks industry median of 27.29. Bank of Tianjin Co's overall GF Score™ is 55/100 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 Bank of Tianjin Co (HKSE:01578), the current Net Margin % is 21.27% as of Jun. 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 Bank of Tianjin Co (HKSE:01578) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Tianjin Co stock appears to be overvalued.
The current stock price of HK$2.06 is trading 0.5% above its estimated GF Value™ of HK$2.05.
GuruFocus considers Bank of Tianjin Co to be Fairly Valued.
Key valuation signals for HKSE:01578:
Net Margin %: 21.27% (20% below median its 10-year median of 26.67)
GF Value™: HK$2.05 vs. price of HK$2.06 (0.5% above fair value)
Industry Position: 22% below the Banks median (#963 of 1520)
No single metric tells the full story. See the HKSE:01578 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Tianjin Co Ltd is engaged in corporate banking, personal banking, treasury operations, and other financial services, providing a diversified range of banking products and services. The corporate banking segment, which generates maximum revenue, offers loans, trade financing, deposit-taking, and intermediary services to corporations, government agencies, and financial institutions. The personal banking segment provides loans, deposits, card business, wealth management, and intermediary services to individual customers. The treasury operations segment conducts money market, foreign exchange, precious metals, and derivatives transactions, and debt instrument investments for its own accounts or on behalf of customers.
55GF Score
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