MBT BancsharesMBKL +0.37%62 Net Margin % is 25.29% as of Dec. 2025, which is 19% above its 10-year median of 21.21. GuruFocus rates MBKL with a GF Score™ of 62/100 and a GF Value™ of $24.39 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, MBT Bancshares ranks worse than 54.65% on this metric.
Net margin is calculated as Net Income divided by its Revenue. MBT Bancshares's Net Income for the
six
months ended in Dec. 2025 was $6.79 Mil. MBT Bancshares's Revenue for the
six
months ended in Dec. 2025 was $26.86 Mil. Therefore, MBT Bancshares's net margin for the quarter that ended in Dec. 2025 was 25.29%.
The historical rank and industry rank for MBT Bancshares's Net Margin % or its related term are showing as below:
MBKL'
s Net Margin % Range Over the Past 10 Years
Min: 14.02 Med: 21.21 Max: 25.29
Current: 25.29
MBKL's Net Margin % is ranked worse than 54.65% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs MBKL: 25.29
MBT Bancshares (OTCPK:MBKL) 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.
MBT Bancshares Net Margin % Related Terms
MBT Bancshares Net Margin % Historical Data
* Premium members only.
The historical data trend for MBT 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, MBT 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.
MBT Bancshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MBT Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where MBT 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.
MBT Bancshares (MBKL) has a Net Margin % of 25.29% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on MBT Bancshares and its competitors. This is 19% above median its historical median of 21.21. Over the past decade, MBT Bancshares' Net Margin % has ranged from 14.02 to 25.29. According to the industry distribution chart, MBT Bancshares ranks #834 out of 1526 companies in the Banks industry, placing it in the top 54.7%.
Is MBT Bancshares' Net Margin % too high?
MBT Bancshares' current Net Margin % of 25.29% is 19% above median its 10-year median of 21.21. Over the past 10 years, this metric has ranged from a low of 14.02 to a high of 25.29. The Banks industry median Net Margin % is 26.97. MBT Bancshares' value of 25.29% is 6.2% below this industry median. Based on the distribution chart, MBT Bancshares ranks #834 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, MBT Bancshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MBT Bancshares' Net Margin % compare to FFWC and LSFG?
According to the Banks industry distribution chart, MBT Bancshares ranks #834 out of 1526 companies for Net Margin %. This places MBT Bancshares in the lower half of its industry. The industry median Net Margin % is 26.97. MBT Bancshares' value of 25.29% is 6.2% below this benchmark. Historically, MBT Bancshares' own Net Margin % has ranged from 14.02 to 25.29 over the past decade. While the company's 10-year median is 21.21 vs. the industry median of 26.97, MBT Bancshares 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 26.97, 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. MBT Bancshares's current Net Margin % of 25.29% 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 MBT Bancshares 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. MBT Bancshares's current Net Margin % is 25.29%, which is 19% above median its own 10-year median of 21.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBT Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MBT Bancshares (MBKL) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.39, compared to a current price of $27.10 — trading 11.1% above its estimated fair value. The current Net Margin % is 25.29%, which is 19% above median its 10-year median of 21.21 and 6.2% below the Banks industry median of 26.97. MBT Bancshares' 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 MBT Bancshares (MBKL), the current Net Margin % is 25.29% 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 MBT Bancshares (MBKL) Overvalued in 2026?
Based on GuruFocus' analysis, MBT Bancshares stock appears to be overvalued.
The current stock price of $27.10 is trading 11.1% above its estimated GF Value™ of $24.39.
GuruFocus considers MBT Bancshares to be Modestly Overvalued.
Key valuation signals for MBKL:
Net Margin %: 25.29% (19% above median its 10-year median of 21.21)
GF Value™: $24.39 vs. price of $27.10 (11.1% above fair value)
Industry Position: 6.2% below the Banks median (#834 of 1526)
No single metric tells the full story. See the MBKL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBT Bancshares Inc is a United States-based company providing commercial banking services. It offers personal banking and business banking services. The services portfolio includes online banking service, checking accounts service, savings account facility, card services, and other services.
62GF Score
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