IBW FinancialIBWC +1.05%51 Net Margin % is 1.34% as of Dec. 2025, which is 79% below its 10-year median of 6.31. GuruFocus rates IBWC with a GF Score™ of 51/100 and a GF Value™ of $29.18 (Significantly Overvalued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, IBW Financial ranks worse than 94.89% on this metric.
Net margin is calculated as Net Income divided by its Revenue. IBW Financial's Net Income for the
six
months ended in Dec. 2025 was $0.43 Mil. IBW Financial's Revenue for the
six
months ended in Dec. 2025 was $32.19 Mil. Therefore, IBW Financial's net margin for the quarter that ended in Dec. 2025 was 1.34%.
The historical rank and industry rank for IBW Financial's Net Margin % or its related term are showing as below:
IBWC'
s Net Margin % Range Over the Past 10 Years
Min: 1.34 Med: 6.31 Max: 16.4
Current: 1.34
IBWC's Net Margin % is ranked worse than 94.89% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs IBWC: 1.34
IBW Financial (OTCPK:IBWC) 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.
IBW Financial Net Margin % Related Terms
IBW Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for IBW 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, IBW 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.
IBW Financial Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, IBW Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where IBW 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.
IBW Financial (IBWC) has a Net Margin % of 1.34% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on IBW Financial and its competitors. This is 79% below median its historical median of 6.31. Over the past decade, IBW Financial's Net Margin % has ranged from 1.34 to 16.40. According to the industry distribution chart, IBW Financial ranks #1449 out of 1527 companies in the Banks industry, placing it in the top 94.9%.
Is IBW Financial's Net Margin % too high?
IBW Financial's current Net Margin % of 1.34% is 79% below median its 10-year median of 6.31. Over the past 10 years, this metric has ranged from a low of 1.34 to a high of 16.40. The Banks industry median Net Margin % is 26.95. IBW Financial's value of 1.34% is 95% below this industry median. Based on the distribution chart, IBW Financial ranks #1449 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, IBW Financial has a GF Score™ of 51/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does IBW Financial's Net Margin % compare to CDAB and CNBZ?
According to the Banks industry distribution chart, IBW Financial ranks #1449 out of 1527 companies for Net Margin %. This places IBW Financial in the lower half of its industry. The industry median Net Margin % is 26.95. IBW Financial's value of 1.34% is 95% below this benchmark. Historically, IBW Financial's own Net Margin % has ranged from 1.34 to 16.40 over the past decade. While the company's 10-year median is 6.31 vs. the industry median of 26.95, IBW 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 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. IBW Financial's current Net Margin % of 1.34% is 95% 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 IBW Financial 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. IBW Financial's current Net Margin % is 1.34%, which is 79% below median its own 10-year median of 6.31. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is IBW Financial stock overvalued right now?
Based on GuruFocus' analysis, IBW Financial (IBWC) is currently considered Significantly Overvalued. The stock's GF Value™ is $29.18, compared to a current price of $48.00 — trading 64.5% above its estimated fair value. The current Net Margin % is 1.34%, which is 79% below median its 10-year median of 6.31 and 95% below the Banks industry median of 26.95. IBW Financial's overall GF Score™ is 51/100 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 IBW Financial (IBWC), the current Net Margin % is 1.34% 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 IBW Financial (IBWC) Overvalued in 2026?
Based on GuruFocus' analysis, IBW Financial stock appears to be overvalued.
The current stock price of $48.00 is trading 64.5% above its estimated GF Value™ of $29.18.
GuruFocus considers IBW Financial to be Significantly Overvalued.
Key valuation signals for IBWC:
Net Margin %: 1.34% (79% below median its 10-year median of 6.31)
GF Value™: $29.18 vs. price of $48.00 (64.5% above fair value)
Industry Position: 95% below the Banks median (#1449 of 1527)
No single metric tells the full story. See the IBWC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
IBW Financial Corp is a bank holding company. Through its banking subsidiary, it is engaged in offering a broad range of banking products, including a full line of business and personal savings and certificates of deposit, and other banking services. It also funds a variety of loan types, including commercial term loans and residential real estate loans, lines of credit, consumer loans, and letters of credit. The company's customers are mainly individuals and small businesses. Geographically, its primary market areas are in the District of Columbia and surrounding areas.
51GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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