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Marine Bancorp FLA (OTCPK:MBOF) 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.
Marine Bancorp FLA Net Margin % Related Terms
Marine Bancorp FLA Net Margin % Historical Data
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The historical data trend for Marine Bancorp FLA'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, Marine Bancorp FLA'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.
Marine Bancorp FLA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Marine Bancorp FLA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Marine Bancorp FLA'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.
Marine Bancorp FLA (MBOF) has a Net Margin % of 15.74% as of Dec. 2024. Net margin is the ratio of total net income to net sales. View historical data on Marine Bancorp FLA and its competitors. This is 28% below median its historical median of 21.84. Over the past decade, Marine Bancorp FLA's Net Margin % has ranged from 14.26 to 25.20.
Is Marine Bancorp FLA's Net Margin % too high?
Marine Bancorp FLA's current Net Margin % of 15.74% is 28% below median its 10-year median of 21.84. Over the past 10 years, this metric has ranged from a low of 14.26 to a high of 25.20. The Banks industry median Net Margin % is 27.10. Marine Bancorp FLA's value of 15.74% is 41.9% below this industry median. Overall, Marine Bancorp FLA has a GF Score™ of 31/100, reflecting its overall financial health beyond just this single metric.
How does Marine Bancorp FLA's Net Margin % compare to FBSI and KLIB?
Marine Bancorp FLA's Net Margin % of 15.74% can be compared against companies in the Banks industry. The industry median Net Margin % is 27.10. Marine Bancorp FLA's value of 15.74% is 41.9% below this benchmark. Historically, Marine Bancorp FLA's own Net Margin % has ranged from 14.26 to 25.20 over the past decade. While the company's 10-year median is 21.84 vs. the industry median of 27.10, Marine Bancorp FLA 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 27.10, based on 1,525 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. Marine Bancorp FLA's current Net Margin % of 15.74% is 41.9% 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 Marine Bancorp FLA and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Marine Bancorp FLA's current Net Margin % is 15.74%, which is 28% below median its own 10-year median of 21.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Marine Bancorp FLA stock overvalued right now?
Marine Bancorp FLA (MBOF) has a current Net Margin % of 15.74%. The stock's GF Value™ is $18.47, compared to a current price of $43.75 — trading 136.9% above its estimated fair value. The current Net Margin % is 15.74%, which is 28% below median its 10-year median of 21.84 and 41.9% below the Banks industry median of 27.10. Marine Bancorp FLA's overall GF Score™ is 31/100 with 7 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 Marine Bancorp FLA (MBOF), the current Net Margin % is 15.74% as of Dec. 2024. 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 Marine Bancorp FLA (MBOF) Overvalued in 2026?
Based on GuruFocus' analysis, Marine Bancorp FLA stock appears to be overvalued.
The current stock price of $43.75 is trading 136.9% above its estimated GF Value™ of $18.47.
Key valuation signals for MBOF:
Net Margin %: 15.74% (28% below median its 10-year median of 21.84)
GF Value™: $18.47 vs. price of $43.75 (136.9% above fair value)
No single metric tells the full story. See the MBOF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Marine Bancorp FLA Inc, through its subsidiary, is engaged in providing banking and related services. The Bank offers a variety of community banking services to individuals and corporate customers. The company offers Checking, Loans, Debit cards, Credit cards, Commercial Loans, Merchant Services, Business savings and money markets, Mobile Banking and related services. The loan portfolio segment includes Commercial real estate, Residential real estate, Construction and land development, Commercial and Consumer.
31GF Score
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Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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