Mauch Chunk Trust FinancialMCHT 53 Net Margin % is 6.94% as of Dec. 2025, which is 57% below its 10-year median of 16.06. GuruFocus rates MCHT with a GF Score™ of 53/100 and a GF Value™ of $6.76 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Mauch Chunk Trust Financial ranks worse than 91.02% on this metric.
The historical rank and industry rank for Mauch Chunk Trust Financial's Net Margin % or its related term are showing as below:
MCHT'
s Net Margin % Range Over the Past 10 Years
Min: 6.94 Med: 16.06 Max: 25.32
Current: 6.94
MCHT's Net Margin % is ranked worse than 91.02% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs MCHT: 6.94
Mauch Chunk Trust Financial (OTCPK:MCHT) 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.
Mauch Chunk Trust Financial Net Margin % Related Terms
Mauch Chunk Trust Financial 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, Mauch Chunk Trust Financial'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.
Mauch Chunk Trust Financial Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mauch Chunk Trust Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where Mauch Chunk Trust Financial'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.
Mauch Chunk Trust Financial (MCHT) has a Net Margin % of 6.94% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Mauch Chunk Trust Financial and its competitors. This is 57% below median its historical median of 16.06. Over the past decade, Mauch Chunk Trust Financial's Net Margin % has ranged from 6.94 to 25.32. According to the industry distribution chart, Mauch Chunk Trust Financial ranks #1389 out of 1526 companies in the Banks industry, placing it in the top 91%.
Is Mauch Chunk Trust Financial's Net Margin % too high?
Mauch Chunk Trust Financial's current Net Margin % of 6.94% is 57% below median its 10-year median of 16.06. Over the past 10 years, this metric has ranged from a low of 6.94 to a high of 25.32. The Banks industry median Net Margin % is 26.97. Mauch Chunk Trust Financial's value of 6.94% is 74.3% below this industry median. Based on the distribution chart, Mauch Chunk Trust Financial ranks #1389 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Mauch Chunk Trust Financial has a GF Score™ of 53/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mauch Chunk Trust Financial's Net Margin % compare to GOVB and UNTN?
According to the Banks industry distribution chart, Mauch Chunk Trust Financial ranks #1389 out of 1526 companies for Net Margin %. This places Mauch Chunk Trust Financial in the lower half of its industry. The industry median Net Margin % is 26.97. Mauch Chunk Trust Financial's value of 6.94% is 74.3% below this benchmark. Historically, Mauch Chunk Trust Financial's own Net Margin % has ranged from 6.94 to 25.32 over the past decade. While the company's 10-year median is 16.06 vs. the industry median of 26.97, Mauch Chunk Trust Financial 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. Mauch Chunk Trust Financial's current Net Margin % of 6.94% is 74.3% 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 Mauch Chunk Trust Financial 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. Mauch Chunk Trust Financial's current Net Margin % is 6.94%, which is 57% below median its own 10-year median of 16.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mauch Chunk Trust Financial stock overvalued right now?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial (MCHT) is currently considered Fairly Valued. The stock's GF Value™ is $6.76, compared to a current price of $6.70 — trading 0.9% below its estimated fair value. The current Net Margin % is 6.94%, which is 57% below median its 10-year median of 16.06 and 74.3% below the Banks industry median of 26.97. Mauch Chunk Trust Financial's overall GF Score™ is 53/100 with 5 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 Mauch Chunk Trust Financial (MCHT), the current Net Margin % is 6.94% 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 Mauch Chunk Trust Financial (MCHT) Overvalued in 2026?
Based on GuruFocus' analysis, Mauch Chunk Trust Financial stock appears to be undervalued.
The current stock price of $6.70 is trading 0.9% below its estimated GF Value™ of $6.76.
GuruFocus considers Mauch Chunk Trust Financial to be Fairly Valued.
Key valuation signals for MCHT:
Net Margin %: 6.94% (57% below median its 10-year median of 16.06)
GF Value™: $6.76 vs. price of $6.70 (0.9% below fair value)
Industry Position: 74.3% below the Banks median (#1389 of 1526)
No single metric tells the full story. See the MCHT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mauch Chunk Trust Financial Corp is a bank holding company. Through its banking subsidiary, it provides full banking services, including trust services. The Group's various financial products and service offerings include personal loans, credit cards, savings accounts, checking accounts, wealth management solutions, home equity loans, trust services, business savings accounts, small business loans, municipal leasing, and commercial letters of credit, among others. These services are offered to both individuals and business clients through a network of branch offices located across Jim Thorpe, Albrightsville, Nesquehoning, Lehighton, Hometown, and West Penn, USA.
53GF Score
Get the complete analysis for MCHT
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
MCHT has been successfully added to your 