Ledyard Financial GroupLFGP 62 Net Margin % is 12.68% as of Mar. 2026, which is 30% below its 10-year median of 18.05. GuruFocus rates LFGP with a GF Score™ of 62/100 and a GF Value™ of $20.38 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Ledyard Financial Group ranks worse than 82.65% on this metric.
The historical rank and industry rank for Ledyard Financial Group's Net Margin % or its related term are showing as below:
LFGP'
s Net Margin % Range Over the Past 10 Years
Min: 10.04 Med: 18.05 Max: 23.35
Current: 14.02
LFGP's Net Margin % is ranked worse than 82.65% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs LFGP: 14.02
Ledyard Financial Group (OTCPK:LFGP) 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.
Ledyard Financial Group Net Margin % Related Terms
Ledyard Financial Group 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, Ledyard Financial Group'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.
Ledyard Financial Group Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ledyard Financial Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Ledyard Financial Group'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.
Ledyard Financial Group (LFGP) has a Net Margin % of 12.68% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Ledyard Financial Group and its competitors. This is 30% below median its historical median of 18.05. Over the past decade, Ledyard Financial Group's Net Margin % has ranged from 10.04 to 23.35. According to the industry distribution chart, Ledyard Financial Group ranks #1262 out of 1527 companies in the Banks industry, placing it in the top 82.6%.
Is Ledyard Financial Group's Net Margin % too high?
Ledyard Financial Group's current Net Margin % of 12.68% is 30% below median its 10-year median of 18.05. Over the past 10 years, this metric has ranged from a low of 10.04 to a high of 23.35. The Banks industry median Net Margin % is 26.95. Ledyard Financial Group's value of 12.68% is 52.9% below this industry median. Based on the distribution chart, Ledyard Financial Group ranks #1262 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ledyard Financial Group has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ledyard Financial Group's Net Margin % compare to BAOB and NIDB?
According to the Banks industry distribution chart, Ledyard Financial Group ranks #1262 out of 1527 companies for Net Margin %. This places Ledyard Financial Group in the lower half of its industry. The industry median Net Margin % is 26.95. Ledyard Financial Group's value of 12.68% is 52.9% below this benchmark. Historically, Ledyard Financial Group's own Net Margin % has ranged from 10.04 to 23.35 over the past decade. While the company's 10-year median is 18.05 vs. the industry median of 26.95, Ledyard Financial Group 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. Ledyard Financial Group's current Net Margin % of 12.68% is 52.9% 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 Ledyard Financial Group 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. Ledyard Financial Group's current Net Margin % is 12.68%, which is 30% below median its own 10-year median of 18.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ledyard Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Ledyard Financial Group (LFGP) is currently considered Modestly Undervalued. The stock's GF Value™ is $20.38, compared to a current price of $17.00 — trading 16.6% below its estimated fair value. The current Net Margin % is 12.68%, which is 30% below median its 10-year median of 18.05 and 52.9% below the Banks industry median of 26.95. Ledyard Financial Group'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 Ledyard Financial Group (LFGP), the current Net Margin % is 12.68% 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 Ledyard Financial Group (LFGP) Overvalued in 2026?
Based on GuruFocus' analysis, Ledyard Financial Group stock appears to be undervalued.
The current stock price of $17.00 is trading 16.6% below its estimated GF Value™ of $20.38.
GuruFocus considers Ledyard Financial Group to be Modestly Undervalued.
Key valuation signals for LFGP:
Net Margin %: 12.68% (30% below median its 10-year median of 18.05)
GF Value™: $20.38 vs. price of $17.00 (16.6% below fair value)
Industry Position: 52.9% below the Banks median (#1262 of 1527)
No single metric tells the full story. See the LFGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ledyard Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail and commercial banking and wealth advisory services through office locations in New Hampshire and Vermont. The Group operates in two segments: Banking and Wealth Advisory Services. Maximum revenue is generated from the Banking segment, which principally consists of lending to commercial and consumer customers, as well as deposit gathering activities. Wealth Advisory Services segment includes, as its principal business lines, financial planning services, investment management services, personal tax services, trustee services, and estate planning.
62GF Score
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