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Killbuck BancsharesKLIB 70 Net Margin % is 31.10% as of Dec. 2025, which is 10% above its 10-year median of 28.39. GuruFocus rates KLIB with a GF Score™ of 70/100 and a GF Value™ of $162.46 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Killbuck Bancshares ranks better than 63.7% on this metric.
The historical rank and industry rank for Killbuck Bancshares's Net Margin % or its related term are showing as below:
KLIB'
s Net Margin % Range Over the Past 10 Years
Min: 22.95 Med: 28.39 Max: 34.84
Current: 31.1
KLIB's Net Margin % is ranked better than 63.7% of 1526
companies
in the Banks industry
Industry Median: 27.05
vs KLIB: 31.10
Killbuck Bancshares (OTCPK:KLIB) 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.
Killbuck Bancshares Net Margin % Related Terms
Killbuck Bancshares Net Margin % Historical Data
* Premium members only.
The historical data trend for Killbuck Bancshares'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, Killbuck Bancshares'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.
Killbuck Bancshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Killbuck Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Killbuck Bancshares'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.
Killbuck Bancshares (KLIB) has a Net Margin % of 31.10% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Killbuck Bancshares and its competitors. This is 10% above median its historical median of 28.39. Over the past decade, Killbuck Bancshares' Net Margin % has ranged from 22.95 to 34.84. According to the industry distribution chart, Killbuck Bancshares ranks #554 out of 1526 companies in the Banks industry, placing it in the top 36.3%.
Is Killbuck Bancshares' Net Margin % too high?
Killbuck Bancshares' current Net Margin % of 31.10% is 10% above median its 10-year median of 28.39. Over the past 10 years, this metric has ranged from a low of 22.95 to a high of 34.84. The Banks industry median Net Margin % is 27.05. Killbuck Bancshares' value of 31.10% is 15% above this industry median. Based on the distribution chart, Killbuck Bancshares ranks #554 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Killbuck Bancshares has a GF Score™ of 70/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Killbuck Bancshares' Net Margin % compare to IBTN and SOBS?
According to the Banks industry distribution chart, Killbuck Bancshares ranks #554 out of 1526 companies for Net Margin %. This puts Killbuck Bancshares in the upper half of its industry. The industry median Net Margin % is 27.05. Killbuck Bancshares' value of 31.10% is 15% above this benchmark. Historically, Killbuck Bancshares' own Net Margin % has ranged from 22.95 to 34.84 over the past decade. While the company's 10-year median is 28.39 vs. the industry median of 27.05, Killbuck Bancshares 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 1,526 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. Killbuck Bancshares's current Net Margin % of 31.10% is 15% 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 Killbuck Bancshares 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. Killbuck Bancshares's current Net Margin % is 31.10%, which is 10% above median its own 10-year median of 28.39. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Killbuck Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Killbuck Bancshares (KLIB) is currently considered Fairly Valued. The stock's GF Value™ is $162.46, compared to a current price of $162.00 — trading 0.3% below its estimated fair value. The current Net Margin % is 31.10%, which is 10% above median its 10-year median of 28.39 and 15% above the Banks industry median of 27.05. Killbuck Bancshares' overall GF Score™ is 70/100 with 5 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 Killbuck Bancshares (KLIB), the current Net Margin % is 31.10% 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 Killbuck Bancshares (KLIB) Overvalued in 2026?
Based on GuruFocus' analysis, Killbuck Bancshares stock appears to be undervalued.
The current stock price of $162.00 is trading 0.3% below its estimated GF Value™ of $162.46.
GuruFocus considers Killbuck Bancshares to be Fairly Valued.
Key valuation signals for KLIB:
Net Margin %: 31.10% (10% above median its 10-year median of 28.39)
GF Value™: $162.46 vs. price of $162.00 (0.3% below fair value)
Industry Position: 15% above the Banks median (#554 of 1526)
No single metric tells the full story. See the KLIB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Killbuck Bancshares Inc operates as a bank holding company. Through its banking subsidiary, it provides customary retail and commercial banking services to its customers, including checking, savings, and time deposit accounts, Health Savings Accounts (HSA), internet banking, bill payment, and safe deposit facilities, as well as a full complement of real estate, commercial, and consumer loan products. These services are offered through a network of branch offices located in Killbuck, Berlin, Mt. Hope, Millersburg, Sugarcreek, Fredericksburg, Danville, Kidron, Wooster, and Apple Valley, Holmes, Knox, Wayne, and Tuscarawas counties. The Group has one reportable segment consisting of Community Banking.
70GF Score
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