CB Texim Bank ADLTS:0QRP 58 Net Margin % is 8.83% as of Dec. 2025, which is 339% above its 10-year median of 2.01. GuruFocus rates LTS:0QRP with a GF Score™ of 58/100 and a GF Value™ of лв5.18. The stock has 2 warning signs investors should review. Among 1,527 Banks companies, CB Texim Bank AD ranks worse than 89.26% on this metric.
The historical rank and industry rank for CB Texim Bank AD's Net Margin % or its related term are showing as below:
LTS:0QRP'
s Net Margin % Range Over the Past 10 Years
Min: 0.78 Med: 2.01 Max: 9.88
Current: 8.83
LTS:0QRP's Net Margin % is ranked worse than 89.26% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs LTS:0QRP: 8.83
CB Texim Bank AD (LTS:0QRP) 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.
CB Texim Bank AD Net Margin % Related Terms
CB Texim Bank AD Net Margin % Historical Data
* Premium members only.
The historical data trend for CB Texim Bank AD'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, CB Texim Bank AD'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.
CB Texim Bank AD Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CB Texim Bank AD's Net Margin % distribution charts can be found below:
* The bar in red indicates where CB Texim Bank AD'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.
CB Texim Bank AD (LTS:0QRP) has a Net Margin % of 8.83% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on CB Texim Bank AD and its competitors. This is 339% above median its historical median of 2.01. Over the past decade, CB Texim Bank AD's Net Margin % has ranged from 0.78 to 9.88. According to the industry distribution chart, CB Texim Bank AD ranks #1363 out of 1527 companies in the Banks industry, placing it in the top 89.3%.
Is CB Texim Bank AD's Net Margin % too high?
CB Texim Bank AD's current Net Margin % of 8.83% is 339% above median its 10-year median of 2.01. Over the past 10 years, this metric has ranged from a low of 0.78 to a high of 9.88. The Banks industry median Net Margin % is 26.95. CB Texim Bank AD's value of 8.83% is 67.2% below this industry median. Based on the distribution chart, CB Texim Bank AD ranks #1363 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, CB Texim Bank AD has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does CB Texim Bank AD's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, CB Texim Bank AD ranks #1363 out of 1527 companies for Net Margin %. This places CB Texim Bank AD in the lower half of its industry. The industry median Net Margin % is 26.95. CB Texim Bank AD's value of 8.83% is 67.2% below this benchmark. Historically, CB Texim Bank AD's own Net Margin % has ranged from 0.78 to 9.88 over the past decade. While the company's 10-year median is 2.01 vs. the industry median of 26.95, CB Texim Bank AD 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. CB Texim Bank AD's current Net Margin % of 8.83% is 67.2% 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 CB Texim Bank AD 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. CB Texim Bank AD's current Net Margin % is 8.83%, which is 339% above median its own 10-year median of 2.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Texim Bank AD stock overvalued right now?
CB Texim Bank AD (LTS:0QRP) has a current Net Margin % of 8.83%. The stock's GF Value™ is лв5.18, compared to a current price of лв2.76 — trading 46.7% below its estimated fair value. The current Net Margin % is 8.83%, which is 339% above median its 10-year median of 2.01 and 67.2% below the Banks industry median of 26.95. CB Texim Bank AD's overall GF Score™ is 58/100 with 2 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 CB Texim Bank AD (LTS:0QRP), the current Net Margin % is 8.83% 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 CB Texim Bank AD (LTS:0QRP) Overvalued in 2026?
Based on GuruFocus' analysis, CB Texim Bank AD stock appears to be undervalued.
The current stock price of лв2.76 is trading 46.7% below its estimated GF Value™ of лв5.18.
Key valuation signals for LTS:0QRP:
Net Margin %: 8.83% (339% above median its 10-year median of 2.01)
GF Value™: лв5.18 vs. price of лв2.76 (46.7% below fair value)
Industry Position: 67.2% below the Banks median (#1363 of 1527)
No single metric tells the full story. See the LTS:0QRP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
LTS:0QRP has been successfully added to your 
