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Hamlin Bank and Trust CoHMLN -0.64%69 Net Margin % is 33.35% as of Dec. 2025, which is 7% below its 10-year median of 35.87. GuruFocus rates HMLN with a GF Score™ of 69/100 and a GF Value™ of $275.75 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, Hamlin Bank and Trust Co ranks better than 71.15% on this metric.
The historical rank and industry rank for Hamlin Bank and Trust Co's Net Margin % or its related term are showing as below:
HMLN'
s Net Margin % Range Over the Past 10 Years
Min: -5.28 Med: 35.87 Max: 49.19
Current: 33.35
HMLN's Net Margin % is ranked better than 71.15% of 1525
companies
in the Banks industry
Industry Median: 27.05
vs HMLN: 33.35
Hamlin Bank and Trust Co (OTCPK:HMLN) 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.
Hamlin Bank and Trust Co Net Margin % Related Terms
Hamlin Bank and Trust Co 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, Hamlin Bank and Trust 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.
Hamlin Bank and Trust Co Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Hamlin Bank and Trust Co's Net Margin % distribution charts can be found below:
* The bar in red indicates where Hamlin Bank and Trust 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.
Hamlin Bank and Trust Co (HMLN) has a Net Margin % of 33.35% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Hamlin Bank and Trust Co and its competitors. This is near median its historical median of 35.87. According to the industry distribution chart, Hamlin Bank and Trust Co ranks #440 out of 1525 companies in the Banks industry, placing it in the top 28.9%.
Is Hamlin Bank and Trust Co's Net Margin % too high?
Hamlin Bank and Trust Co's current Net Margin % of 33.35% is near median its 10-year median of 35.87. The Banks industry median Net Margin % is 27.05. Hamlin Bank and Trust Co's value of 33.35% is 23.3% above this industry median. Based on the distribution chart, Hamlin Bank and Trust Co ranks #440 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Hamlin Bank and Trust Co has a GF Score™ of 69/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Hamlin Bank and Trust Co's Net Margin % compare to SOBS and BKOR?
According to the Banks industry distribution chart, Hamlin Bank and Trust Co ranks #440 out of 1525 companies for Net Margin %. This puts Hamlin Bank and Trust Co in the upper half of its industry. The industry median Net Margin % is 27.05. Hamlin Bank and Trust Co's value of 33.35% is 23.3% above this benchmark. While the company's 10-year median is 35.87 vs. the industry median of 27.05, Hamlin Bank and Trust Co 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 27.05, based on 1,525 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. Hamlin Bank and Trust Co's current Net Margin % of 33.35% is 23.3% 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 Hamlin Bank and Trust Co and its competitors. For the Banks industry, the median Net Margin % is 27.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Hamlin Bank and Trust Co's current Net Margin % is 33.35%, which is near median its own 10-year median of 35.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Hamlin Bank and Trust Co stock overvalued right now?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co (HMLN) is currently considered Modestly Undervalued. The stock's GF Value™ is $275.75, compared to a current price of $233.50 — trading 15.3% below its estimated fair value. The current Net Margin % is 33.35%, which is near median its 10-year median of 35.87 and 23.3% above the Banks industry median of 27.05. Hamlin Bank and Trust Co's overall GF Score™ is 69/100 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 Hamlin Bank and Trust Co (HMLN), the current Net Margin % is 33.35% 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 Hamlin Bank and Trust Co (HMLN) Overvalued in 2026?
Based on GuruFocus' analysis, Hamlin Bank and Trust Co stock appears to be undervalued.
The current stock price of $233.50 is trading 15.3% below its estimated GF Value™ of $275.75.
GuruFocus considers Hamlin Bank and Trust Co to be Modestly Undervalued.
Key valuation signals for HMLN:
Net Margin %: 33.35% (near median its 10-year median of 35.87)
GF Value™: $275.75 vs. price of $233.50 (15.3% below fair value)
Industry Position: 23.3% above the Banks median (#440 of 1525)
No single metric tells the full story. See the HMLN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Hamlin Bank and Trust Co are a United States-based state charted commercial bank. It offers a variety of financial and trust services. The company provides services such as personal banking services, business banking services, trust services, and other banking services. The Banks principal sources of revenue emanate from its portfolio of residential real estate, commercial mortgage, commercial, and consumer loans, as well as interest on investment securities and a variety of deposit and trust services provided to its customers.
69GF Score
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