Komercni Banka ASKMERF 59 Net Margin % is 43.90% as of Mar. 2026, which is 2% below its 10-year median of 44.89. GuruFocus rates KMERF with a GF Score™ of 59/100 and a GF Value™ of $47.97. The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Komercni Banka AS ranks better than 92.66% on this metric.
The historical rank and industry rank for Komercni Banka AS's Net Margin % or its related term are showing as below:
KMERF'
s Net Margin % Range Over the Past 10 Years
Min: 27.53 Med: 44.89 Max: 49.07
Current: 48.62
KMERF's Net Margin % is ranked better than 92.66% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs KMERF: 48.62
Komercni Banka AS (OTCPK:KMERF) 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.
Komercni Banka AS Net Margin % Related Terms
Komercni Banka AS Net Margin % Historical Data
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The historical data trend for Komercni Banka AS'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, Komercni Banka AS'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.
Komercni Banka AS Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Komercni Banka AS's Net Margin % distribution charts can be found below:
* The bar in red indicates where Komercni Banka AS'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.
Komercni Banka AS (KMERF) has a Net Margin % of 43.90% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Komercni Banka AS and its competitors. This is near median its historical median of 44.89. Over the past decade, Komercni Banka AS's Net Margin % has ranged from 27.53 to 49.07. According to the industry distribution chart, Komercni Banka AS ranks #112 out of 1526 companies in the Banks industry, placing it in the top 7.3%.
Is Komercni Banka AS's Net Margin % too high?
Komercni Banka AS's current Net Margin % of 43.90% is near median its 10-year median of 44.89. Over the past 10 years, this metric has ranged from a low of 27.53 to a high of 49.07. The Banks industry median Net Margin % is 26.97. Komercni Banka AS's value of 43.90% is 62.8% above this industry median. Based on the distribution chart, Komercni Banka AS ranks #112 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Komercni Banka AS has a GF Score™ of 59/100, reflecting its overall financial health beyond just this single metric.
How does Komercni Banka AS's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Komercni Banka AS ranks #112 out of 1526 companies for Net Margin %. This places Komercni Banka AS in the top 7% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. Komercni Banka AS's value of 43.90% is 62.8% above this benchmark. Historically, Komercni Banka AS's own Net Margin % has ranged from 27.53 to 49.07 over the past decade. While the company's 10-year median is 44.89 vs. the industry median of 26.97, Komercni Banka AS 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 26.97, 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. Komercni Banka AS's current Net Margin % of 43.90% is 62.8% 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 Komercni Banka AS and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Komercni Banka AS's current Net Margin % is 43.90%, which is near median its own 10-year median of 44.89. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Komercni Banka AS stock overvalued right now?
Komercni Banka AS (KMERF) has a current Net Margin % of 43.90%. The stock's GF Value™ is $47.97, compared to a current price of $54.98 — trading 14.6% above its estimated fair value. The current Net Margin % is 43.90%, which is near median its 10-year median of 44.89 and 62.8% above the Banks industry median of 26.97. Komercni Banka AS's overall GF Score™ is 59/100 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 Komercni Banka AS (KMERF), the current Net Margin % is 43.90% as of Mar. 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 Komercni Banka AS (KMERF) Overvalued in 2026?
Based on GuruFocus' analysis, Komercni Banka AS stock appears to be overvalued.
The current stock price of $54.98 is trading 14.6% above its estimated GF Value™ of $47.97.
Key valuation signals for KMERF:
Net Margin %: 43.90% (near median its 10-year median of 44.89)
GF Value™: $47.97 vs. price of $54.98 (14.6% above fair value)
Industry Position: 62.8% above the Banks median (#112 of 1526)
No single metric tells the full story. See the KMERF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Komercni Banka AS is a universal bank providing a wide range of retail, corporate, and investment banking activities. These activities are complemented by other specialized services, including pension insurance, building savings, leasing, factoring, consumer loans, insurance, and services of fintech companies. The Group has the following operating segments: i) Retail Banking: includes the provision of products and services to individuals, ii) Corporate Banking: includes the provision of products and services to corporate entities, iii) Investment Banking: involves trading in financial instruments; and iv) Other: consists of the head office of the Bank. The majority of the revenue is derived from the Retail banking segment.
59GF Score
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