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MCNB BanksMKIN 52 Net Margin % is 16.51% as of Dec. 2025, which is 1% below its 10-year median of 16.62. GuruFocus rates MKIN with a GF Score™ of 52/100 and a GF Value™ of $19.49 (Fairly Valued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, MCNB Banks ranks worse than 79.29% on this metric.
Net margin is calculated as Net Income divided by its Revenue. MCNB Banks's Net Income for the
six
months ended in Dec. 2025 was $2.20 Mil. MCNB Banks's Revenue for the
six
months ended in Dec. 2025 was $13.33 Mil. Therefore, MCNB Banks's net margin for the quarter that ended in Dec. 2025 was 16.51%.
The historical rank and industry rank for MCNB Banks's Net Margin % or its related term are showing as below:
MKIN'
s Net Margin % Range Over the Past 10 Years
Min: 7.27 Med: 16.62 Max: 24.88
Current: 16.51
MKIN's Net Margin % is ranked worse than 79.29% of 1526
companies
in the Banks industry
Industry Median: 27.095
vs MKIN: 16.51
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.
MCNB Banks Net Margin % Related Terms
MCNB Banks Net Margin % Historical Data
* Premium members only.
The historical data trend for MCNB Banks'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, MCNB Banks'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.
MCNB Banks Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MCNB Banks's Net Margin % distribution charts can be found below:
* The bar in red indicates where MCNB Banks'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.
MCNB Banks (MKIN) has a Net Margin % of 16.51% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on MCNB Banks and its competitors. This is near median its historical median of 16.62. Over the past decade, MCNB Banks' Net Margin % has ranged from 7.27 to 24.88. According to the industry distribution chart, MCNB Banks ranks #1210 out of 1526 companies in the Banks industry, placing it in the top 79.3%.
Is MCNB Banks' Net Margin % too high?
MCNB Banks' current Net Margin % of 16.51% is near median its 10-year median of 16.62. Over the past 10 years, this metric has ranged from a low of 7.27 to a high of 24.88. The Banks industry median Net Margin % is 27.10. MCNB Banks' value of 16.51% is 39.1% below this industry median. Based on the distribution chart, MCNB Banks ranks #1210 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, MCNB Banks has a GF Score™ of 52/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MCNB Banks' Net Margin % compare to BCCB and FLEW?
According to the Banks industry distribution chart, MCNB Banks ranks #1210 out of 1526 companies for Net Margin %. This places MCNB Banks in the lower half of its industry. The industry median Net Margin % is 27.10. MCNB Banks' value of 16.51% is 39.1% below this benchmark. Historically, MCNB Banks' own Net Margin % has ranged from 7.27 to 24.88 over the past decade. While the company's 10-year median is 16.62 vs. the industry median of 27.10, MCNB Banks 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 1,526 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. MCNB Banks's current Net Margin % of 16.51% is 39.1% 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 MCNB Banks 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. MCNB Banks's current Net Margin % is 16.51%, which is near median its own 10-year median of 16.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MCNB Banks stock overvalued right now?
Based on GuruFocus' analysis, MCNB Banks (MKIN) is currently considered Fairly Valued. The stock's GF Value™ is $19.49, compared to a current price of $20.00 — trading 2.6% above its estimated fair value. The current Net Margin % is 16.51%, which is near median its 10-year median of 16.62 and 39.1% below the Banks industry median of 27.10. MCNB Banks' overall GF Score™ is 52/100 with 6 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 MCNB Banks (MKIN), the current Net Margin % is 16.51% 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 MCNB Banks (MKIN) Overvalued in 2026?
Based on GuruFocus' analysis, MCNB Banks stock appears to be overvalued.
The current stock price of $20.00 is trading 2.6% above its estimated GF Value™ of $19.49.
GuruFocus considers MCNB Banks to be Fairly Valued.
Key valuation signals for MKIN:
Net Margin %: 16.51% (near median its 10-year median of 16.62)
GF Value™: $19.49 vs. price of $20.00 (2.6% above fair value)
Industry Position: 39.1% below the Banks median (#1210 of 1526)
No single metric tells the full story. See the MKIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MCNB Banks Inc provides personal banking, business banking, loans, trust & financial services. It provides retail and commercial loan and deposit services, along with trust services, principally to individuals and small businesses. It also offers trust and financial services, comprising investment portfolio management, custodian, estate planning and administration, retirement, trust, financial planning, and online account access services. Company loan segment includes: Residential real estate loan, Commercial real estate loans, Commercial loan, Consumer and other loans.
52GF Score
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