Mountain Pacific BancorpMPCB 62 Net Margin % is 29.74% as of Mar. 2026, which is 5% above its 10-year median of 28.41. GuruFocus rates MPCB with a GF Score™ of 62/100 and a GF Value™ of $14.77 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Mountain Pacific Bancorp ranks better than 63.39% on this metric.
The historical rank and industry rank for Mountain Pacific Bancorp's Net Margin % or its related term are showing as below:
MPCB'
s Net Margin % Range Over the Past 10 Years
Min: 23.7 Med: 28.41 Max: 32.46
Current: 30.76
MPCB's Net Margin % is ranked better than 63.39% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs MPCB: 30.76
Mountain Pacific Bancorp (OTCPK:MPCB) 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.
Mountain Pacific Bancorp Net Margin % Related Terms
Mountain Pacific Bancorp 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, Mountain Pacific Bancorp'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.
Mountain Pacific Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Mountain Pacific Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Mountain Pacific Bancorp'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.
Mountain Pacific Bancorp (MPCB) has a Net Margin % of 29.74% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Mountain Pacific Bancorp and its competitors. This is near median its historical median of 28.41. Over the past decade, Mountain Pacific Bancorp's Net Margin % has ranged from 23.70 to 32.46. According to the industry distribution chart, Mountain Pacific Bancorp ranks #559 out of 1527 companies in the Banks industry, placing it in the top 36.6%.
Is Mountain Pacific Bancorp's Net Margin % too high?
Mountain Pacific Bancorp's current Net Margin % of 29.74% is near median its 10-year median of 28.41. Over the past 10 years, this metric has ranged from a low of 23.70 to a high of 32.46. The Banks industry median Net Margin % is 26.95. Mountain Pacific Bancorp's value of 29.74% is 10.4% above this industry median. Based on the distribution chart, Mountain Pacific Bancorp ranks #559 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Mountain Pacific Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Mountain Pacific Bancorp's Net Margin % compare to BSBK and UNB?
According to the Banks industry distribution chart, Mountain Pacific Bancorp ranks #559 out of 1527 companies for Net Margin %. This puts Mountain Pacific Bancorp in the upper half of its industry. The industry median Net Margin % is 26.95. Mountain Pacific Bancorp's value of 29.74% is 10.4% above this benchmark. Historically, Mountain Pacific Bancorp's own Net Margin % has ranged from 23.70 to 32.46 over the past decade. While the company's 10-year median is 28.41 vs. the industry median of 26.95, Mountain Pacific Bancorp has consistently been above 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. Mountain Pacific Bancorp's current Net Margin % of 29.74% is 10.4% above 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 Mountain Pacific Bancorp 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. Mountain Pacific Bancorp's current Net Margin % is 29.74%, which is near median its own 10-year median of 28.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Mountain Pacific Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Mountain Pacific Bancorp (MPCB) is currently considered Fairly Valued. The stock's GF Value™ is $14.77, compared to a current price of $16.00 — trading 8.3% above its estimated fair value. The current Net Margin % is 29.74%, which is near median its 10-year median of 28.41 and 10.4% above the Banks industry median of 26.95. Mountain Pacific Bancorp's 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 Mountain Pacific Bancorp (MPCB), the current Net Margin % is 29.74% as of Mar. 2026. 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 Mountain Pacific Bancorp (MPCB) Overvalued in 2026?
Based on GuruFocus' analysis, Mountain Pacific Bancorp stock appears to be overvalued.
The current stock price of $16.00 is trading 8.3% above its estimated GF Value™ of $14.77.
GuruFocus considers Mountain Pacific Bancorp to be Fairly Valued.
Key valuation signals for MPCB:
Net Margin %: 29.74% (near median its 10-year median of 28.41)
GF Value™: $14.77 vs. price of $16.00 (8.3% above fair value)
Industry Position: 10.4% above the Banks median (#559 of 1527)
No single metric tells the full story. See the MPCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Mountain Pacific Bancorp Inc is a bank holding company. Along with its subsidiaries, it operates as a community bank, providing a range of financial services to individual and corporate customers, including commercial and retail banking services such as commercial and retail deposit accounts, commercial financing, consumer and mortgage lending, and treasury management services. It has several branches located in Everett, Lynnwood, the Ballard neighborhood of Seattle, Burlington, and Bellingham.
62GF Score
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