National Cap BancorpNACB 59 Net Margin % is 23.29% as of Dec. 2025, which is 21% above its 10-year median of 19.32. GuruFocus rates NACB with a GF Score™ of 59/100 and a GF Value™ of $57.80 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, National Cap Bancorp ranks worse than 62.08% on this metric.
The historical rank and industry rank for National Cap Bancorp's Net Margin % or its related term are showing as below:
NACB'
s Net Margin % Range Over the Past 10 Years
Min: 11.91 Med: 19.32 Max: 23.3
Current: 23.29
NACB's Net Margin % is ranked worse than 62.08% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs NACB: 23.29
National Cap Bancorp (OTCPK:NACB) 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.
National Cap Bancorp Net Margin % Related Terms
National Cap Bancorp Net Margin % Historical Data
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The historical data trend for National Cap Bancorp'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, National Cap 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.
National Cap Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, National Cap Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where National Cap 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.
National Cap Bancorp (NACB) has a Net Margin % of 23.29% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on National Cap Bancorp and its competitors. This is 21% above median its historical median of 19.32. Over the past decade, National Cap Bancorp's Net Margin % has ranged from 11.91 to 23.30. According to the industry distribution chart, National Cap Bancorp ranks #948 out of 1527 companies in the Banks industry, placing it in the top 62.1%.
Is National Cap Bancorp's Net Margin % too high?
National Cap Bancorp's current Net Margin % of 23.29% is 21% above median its 10-year median of 19.32. Over the past 10 years, this metric has ranged from a low of 11.91 to a high of 23.30. The Banks industry median Net Margin % is 26.95. National Cap Bancorp's value of 23.29% is 13.6% below this industry median. Based on the distribution chart, National Cap Bancorp ranks #948 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, National Cap Bancorp has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Cap Bancorp's Net Margin % compare to PBKX and DWNX?
According to the Banks industry distribution chart, National Cap Bancorp ranks #948 out of 1527 companies for Net Margin %. This places National Cap Bancorp in the lower half of its industry. The industry median Net Margin % is 26.95. National Cap Bancorp's value of 23.29% is 13.6% below this benchmark. Historically, National Cap Bancorp's own Net Margin % has ranged from 11.91 to 23.30 over the past decade. While the company's 10-year median is 19.32 vs. the industry median of 26.95, National Cap Bancorp 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 26.95, 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. National Cap Bancorp's current Net Margin % of 23.29% is 13.6% 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 National Cap 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. National Cap Bancorp's current Net Margin % is 23.29%, which is 21% above median its own 10-year median of 19.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Cap Bancorp stock overvalued right now?
Based on GuruFocus' analysis, National Cap Bancorp (NACB) is currently considered Significantly Overvalued. The stock's GF Value™ is $57.80, compared to a current price of $78.00 — trading 34.9% above its estimated fair value. The current Net Margin % is 23.29%, which is 21% above median its 10-year median of 19.32 and 13.6% below the Banks industry median of 26.95. National Cap Bancorp's overall GF Score™ is 59/100 with 3 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 National Cap Bancorp (NACB), the current Net Margin % is 23.29% 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 National Cap Bancorp (NACB) Overvalued in 2026?
Based on GuruFocus' analysis, National Cap Bancorp stock appears to be overvalued.
The current stock price of $78.00 is trading 34.9% above its estimated GF Value™ of $57.80.
GuruFocus considers National Cap Bancorp to be Significantly Overvalued.
Key valuation signals for NACB:
Net Margin %: 23.29% (21% above median its 10-year median of 19.32)
GF Value™: $57.80 vs. price of $78.00 (34.9% above fair value)
Industry Position: 13.6% below the Banks median (#948 of 1527)
No single metric tells the full story. See the NACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Cap Bancorp Inc provides general banking services. The bank provides personal banking, mortgages, business banking services, and wealth management such as personal savings and loans, mobile banking, ATM cards, robust eBanking, remote deposit capture, merchant processing, construction finance, equipment leasing, treasury management services, and others.
59GF Score
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