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What is Main Street Financial Services Net Margin %?
Main Street Financial ServicesMSWV -0.17%59 Net Margin % is 39.65% as of Jun. 2026, which is 38% above its 10-year median of 28.64. GuruFocus rates MSWV with a GF Score™ of 59/100 and a GF Value™ of $17.94 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, Main Street Financial Services ranks better than 74.31% on this metric.
Main Street Financial Services (OTCPK:MSWV) 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.
Main Street Financial Services Net Margin % Related Terms
Main Street Financial Services 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, Main Street Financial Services'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.
Main Street Financial Services Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Main Street Financial Services's Net Margin % distribution charts can be found below:
* The bar in red indicates where Main Street Financial Services'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.
Main Street Financial Services (MSWV) has a Net Margin % of 39.65% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Main Street Financial Services and its competitors. This is 38% above median its historical median of 28.64. Over the past decade, Main Street Financial Services' Net Margin % has ranged from 12.77 to 34.74. According to the industry distribution chart, Main Street Financial Services ranks #392 out of 1526 companies in the Banks industry, placing it in the top 25.7%.
Is Main Street Financial Services' Net Margin % too high?
Main Street Financial Services' current Net Margin % of 39.65% is 38% above median its 10-year median of 28.64. Over the past 10 years, this metric has ranged from a low of 12.77 to a high of 34.74. The Banks industry median Net Margin % is 27.06. Main Street Financial Services' value of 39.65% is 46.5% above this industry median. Based on the distribution chart, Main Street Financial Services ranks #392 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Main Street Financial Services has a GF Score™ of 59/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Main Street Financial Services' Net Margin % compare to SBKO and PLQC?
According to the Banks industry distribution chart, Main Street Financial Services ranks #392 out of 1526 companies for Net Margin %. This puts Main Street Financial Services in the upper half of its industry. The industry median Net Margin % is 27.06. Main Street Financial Services' value of 39.65% is 46.5% above this benchmark. Historically, Main Street Financial Services' own Net Margin % has ranged from 12.77 to 34.74 over the past decade. While the company's 10-year median is 28.64 vs. the industry median of 27.06, Main Street Financial Services 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 27.06, 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. Main Street Financial Services's current Net Margin % of 39.65% is 46.5% 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 Main Street Financial Services and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Main Street Financial Services's current Net Margin % is 39.65%, which is 38% above median its own 10-year median of 28.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Main Street Financial Services stock overvalued right now?
Based on GuruFocus' analysis, Main Street Financial Services (MSWV) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.94, compared to a current price of $22.95 — trading 27.9% above its estimated fair value. The current Net Margin % is 39.65%, which is 38% above median its 10-year median of 28.64 and 46.5% above the Banks industry median of 27.06. Main Street Financial Services' overall GF Score™ is 59/100 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 Main Street Financial Services (MSWV), the current Net Margin % is 39.65% as of Jun. 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 Main Street Financial Services (MSWV) Overvalued in 2026?
Based on GuruFocus' analysis, Main Street Financial Services stock appears to be overvalued.
The current stock price of $22.95 is trading 27.9% above its estimated GF Value™ of $17.94.
GuruFocus considers Main Street Financial Services to be Modestly Overvalued.
Key valuation signals for MSWV:
Net Margin %: 39.65% (38% above median its 10-year median of 28.64)
GF Value™: $17.94 vs. price of $22.95 (27.9% above fair value)
Industry Position: 46.5% above the Banks median (#392 of 1526)
No single metric tells the full story. See the MSWV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Main Street Financial Services Corp is a U.S based community bank. The company's primary deposit products are checking, savings, money market and term certificate accounts. It primary lending products are residential mortgage, commercial and installment loans.
59GF 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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