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JTNB BancorpJTNB +0.48%62 Net Margin % is 25.36% as of Dec. 2025, which is 25% above its 10-year median of 20.29. GuruFocus rates JTNB with a GF Score™ of 62/100 and a GF Value™ of $15.25 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, JTNB Bancorp ranks worse than 54.91% on this metric.
Net margin is calculated as Net Income divided by its Revenue. JTNB Bancorp's Net Income for the
six
months ended in Dec. 2025 was $2.12 Mil. JTNB Bancorp's Revenue for the
six
months ended in Dec. 2025 was $8.37 Mil. Therefore, JTNB Bancorp's net margin for the quarter that ended in Dec. 2025 was 25.36%.
The historical rank and industry rank for JTNB Bancorp's Net Margin % or its related term are showing as below:
JTNB'
s Net Margin % Range Over the Past 10 Years
Min: 17.37 Med: 20.29 Max: 28.3
Current: 25.36
JTNB's Net Margin % is ranked worse than 54.91% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs JTNB: 25.36
JTNB Bancorp (OTCPK:JTNB) 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.
JTNB Bancorp Net Margin % Related Terms
JTNB Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for JTNB Bancorp'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, JTNB Bancorp'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.
JTNB Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, JTNB Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where JTNB Bancorp'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.
JTNB Bancorp (JTNB) has a Net Margin % of 25.36% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on JTNB Bancorp and its competitors. This is 25% above median its historical median of 20.29. Over the past decade, JTNB Bancorp's Net Margin % has ranged from 17.37 to 28.30. According to the industry distribution chart, JTNB Bancorp ranks #838 out of 1526 companies in the Banks industry, placing it in the top 54.9%.
Is JTNB Bancorp's Net Margin % too high?
JTNB Bancorp's current Net Margin % of 25.36% is 25% above median its 10-year median of 20.29. Over the past 10 years, this metric has ranged from a low of 17.37 to a high of 28.30. The Banks industry median Net Margin % is 27.05. JTNB Bancorp's value of 25.36% is 6.2% below this industry median. Based on the distribution chart, JTNB Bancorp ranks #838 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, JTNB Bancorp has a GF Score™ of 62/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does JTNB Bancorp's Net Margin % compare to FIDS and MSBB?
According to the Banks industry distribution chart, JTNB Bancorp ranks #838 out of 1526 companies for Net Margin %. This places JTNB Bancorp in the lower half of its industry. The industry median Net Margin % is 27.05. JTNB Bancorp's value of 25.36% is 6.2% below this benchmark. Historically, JTNB Bancorp's own Net Margin % has ranged from 17.37 to 28.30 over the past decade. While the company's 10-year median is 20.29 vs. the industry median of 27.05, JTNB Bancorp 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 27.05, 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. JTNB Bancorp's current Net Margin % of 25.36% is 6.2% 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 JTNB Bancorp 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. JTNB Bancorp's current Net Margin % is 25.36%, which is 25% above median its own 10-year median of 20.29. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JTNB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, JTNB Bancorp (JTNB) is currently considered Significantly Overvalued. The stock's GF Value™ is $15.25, compared to a current price of $21.00 — trading 37.7% above its estimated fair value. The current Net Margin % is 25.36%, which is 25% above median its 10-year median of 20.29 and 6.2% below the Banks industry median of 27.05. JTNB Bancorp's overall GF Score™ is 62/100 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 JTNB Bancorp (JTNB), the current Net Margin % is 25.36% 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 JTNB Bancorp (JTNB) Overvalued in 2026?
Based on GuruFocus' analysis, JTNB Bancorp stock appears to be overvalued.
The current stock price of $21.00 is trading 37.7% above its estimated GF Value™ of $15.25.
GuruFocus considers JTNB Bancorp to be Significantly Overvalued.
Key valuation signals for JTNB:
Net Margin %: 25.36% (25% above median its 10-year median of 20.29)
GF Value™: $15.25 vs. price of $21.00 (37.7% above fair value)
Industry Position: 6.2% below the Banks median (#838 of 1526)
No single metric tells the full story. See the JTNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JTNB Bancorp Inc operates as a commercial bank that offers various banking and financial products and services for individuals and small businesses. The bank offers services such as checking and savings facilities, mortgage loans, consumer loans, debit cards, credit cards, online banking, commercial loans, merchant processing, and others.
62GF 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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