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NASB FinancialNASB -0.19%58 Net Margin % is 38.66% as of Mar. 2026, which is 20% above its 10-year median of 32.13. GuruFocus rates NASB with a GF Score™ of 58/100 and a GF Value™ of $36.90 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, NASB Financial ranks better than 75.56% on this metric.
Net margin is calculated as Net Income divided by its Revenue. NASB Financial's Net Income for the
three
months ended in Mar. 2026 was $9.41 Mil. NASB Financial's Revenue for the
three
months ended in Mar. 2026 was $24.35 Mil. Therefore, NASB Financial's net margin for the quarter that ended in Mar. 2026 was 38.66%.
The historical rank and industry rank for NASB Financial's Net Margin % or its related term are showing as below:
NASB'
s Net Margin % Range Over the Past 10 Years
Min: 23.61 Med: 32.13 Max: 46.58
Current: 35.2
NASB's Net Margin % is ranked better than 75.56% of 1526
companies
in the Banks industry
Industry Median: 27.06
vs NASB: 35.20
NASB Financial (OTCPK:NASB) 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.
NASB Financial Net Margin % Related Terms
NASB Financial Net Margin % Historical Data
* Premium members only.
The historical data trend for NASB Financial'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, NASB 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.
NASB Financial Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NASB Financial's Net Margin % distribution charts can be found below:
* The bar in red indicates where NASB 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.
NASB Financial (NASB) has a Net Margin % of 38.66% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on NASB Financial and its competitors. This is 20% above median its historical median of 32.13. Over the past decade, NASB Financial's Net Margin % has ranged from 23.61 to 46.58. According to the industry distribution chart, NASB Financial ranks #373 out of 1526 companies in the Banks industry, placing it in the top 24.4%.
Is NASB Financial's Net Margin % too high?
NASB Financial's current Net Margin % of 38.66% is 20% above median its 10-year median of 32.13. Over the past 10 years, this metric has ranged from a low of 23.61 to a high of 46.58. The Banks industry median Net Margin % is 27.06. NASB Financial's value of 38.66% is 42.9% above this industry median. Based on the distribution chart, NASB Financial ranks #373 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, NASB Financial has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NASB Financial's Net Margin % compare to FDBC and FNRN?
According to the Banks industry distribution chart, NASB Financial ranks #373 out of 1526 companies for Net Margin %. This places NASB Financial in the top 24% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.06. NASB Financial's value of 38.66% is 42.9% above this benchmark. Historically, NASB Financial's own Net Margin % has ranged from 23.61 to 46.58 over the past decade. While the company's 10-year median is 32.13 vs. the industry median of 27.06, NASB Financial 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. NASB Financial's current Net Margin % of 38.66% is 42.9% 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 NASB Financial 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. NASB Financial's current Net Margin % is 38.66%, which is 20% above median its own 10-year median of 32.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NASB Financial stock overvalued right now?
Based on GuruFocus' analysis, NASB Financial (NASB) is currently considered Modestly Overvalued. The stock's GF Value™ is $36.90, compared to a current price of $41.92 — trading 13.6% above its estimated fair value. The current Net Margin % is 38.66%, which is 20% above median its 10-year median of 32.13 and 42.9% above the Banks industry median of 27.06. NASB Financial's overall GF Score™ is 58/100 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 NASB Financial (NASB), the current Net Margin % is 38.66% 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 NASB Financial (NASB) Overvalued in 2026?
Based on GuruFocus' analysis, NASB Financial stock appears to be overvalued.
The current stock price of $41.92 is trading 13.6% above its estimated GF Value™ of $36.90.
GuruFocus considers NASB Financial to be Modestly Overvalued.
Key valuation signals for NASB:
Net Margin %: 38.66% (20% above median its 10-year median of 32.13)
GF Value™: $36.90 vs. price of $41.92 (13.6% above fair value)
Industry Position: 42.9% above the Banks median (#373 of 1526)
No single metric tells the full story. See the NASB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NASB Financial Inc is a federally chartered stock savings bank, whose business is to attract deposits from the general public and to originate real estate loans, other loans, and short-term investments. It has a portfolio of mortgage loans that are secured by multifamily, construction, development, and commercial real estate properties. Its sources of income include interest on loans, interest on MBS, interest on investment securities, customer service fees, and mortgage banking fees.
58GF Score
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