National Bank of GreeceNBGIF 56 Net Margin % is 38.10% as of Mar. 2026, which is 85% above its 10-year median of 20.54. GuruFocus rates NBGIF with a GF Score™ of 56/100 and a GF Value™ of $9.16 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 1,526 Banks companies, National Bank of Greece ranks better than 89.45% on this metric.
The historical rank and industry rank for National Bank of Greece's Net Margin % or its related term are showing as below:
NBGIF'
s Net Margin % Range Over the Past 10 Years
Min: -163.29 Med: 20.54 Max: 52.86
Current: 44.15
NBGIF's Net Margin % is ranked better than 89.45% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs NBGIF: 44.15
National Bank of Greece (OTCPK:NBGIF) 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 Bank of Greece Net Margin % Related Terms
National Bank of Greece 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, National Bank of Greece'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 Bank of Greece Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, National Bank of Greece's Net Margin % distribution charts can be found below:
* The bar in red indicates where National Bank of Greece'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 Bank of Greece (NBGIF) has a Net Margin % of 38.10% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on National Bank of Greece and its competitors. This is 85% above median its historical median of 20.54. According to the industry distribution chart, National Bank of Greece ranks #161 out of 1526 companies in the Banks industry, placing it in the top 10.6%.
Is National Bank of Greece's Net Margin % too high?
National Bank of Greece's current Net Margin % of 38.10% is 85% above median its 10-year median of 20.54. The Banks industry median Net Margin % is 26.97. National Bank of Greece's value of 38.10% is 41.3% above this industry median. Based on the distribution chart, National Bank of Greece ranks #161 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, National Bank of Greece has a GF Score™ of 56/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Bank of Greece's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, National Bank of Greece ranks #161 out of 1526 companies for Net Margin %. This places National Bank of Greece in the top 11% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. National Bank of Greece's value of 38.10% is 41.3% above this benchmark. While the company's 10-year median is 20.54 vs. the industry median of 26.97, National Bank of Greece 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 26.97, 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. National Bank of Greece's current Net Margin % of 38.10% is 41.3% 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 National Bank of Greece and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. National Bank of Greece's current Net Margin % is 38.10%, which is 85% above median its own 10-year median of 20.54. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Bank of Greece stock overvalued right now?
Based on GuruFocus' analysis, National Bank of Greece (NBGIF) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.16, compared to a current price of $18.00 — trading 96.5% above its estimated fair value. The current Net Margin % is 38.10%, which is 85% above median its 10-year median of 20.54 and 41.3% above the Banks industry median of 26.97. National Bank of Greece's overall GF Score™ is 56/100 with 8 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 Bank of Greece (NBGIF), the current Net Margin % is 38.10% 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 National Bank of Greece (NBGIF) Overvalued in 2026?
Based on GuruFocus' analysis, National Bank of Greece stock appears to be overvalued.
The current stock price of $18.00 is trading 96.5% above its estimated GF Value™ of $9.16.
GuruFocus considers National Bank of Greece to be Significantly Overvalued.
Key valuation signals for NBGIF:
Net Margin %: 38.10% (85% above median its 10-year median of 20.54)
GF Value™: $9.16 vs. price of $18.00 (96.5% above fair value)
Industry Position: 41.3% above the Banks median (#161 of 1526)
No single metric tells the full story. See the NBGIF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Bank of Greece SA consists of several subsidiaries offering diverse financial services, including retail, corporate, and investment banking, specialized asset solutions, transactional banking, leasing, factoring, brokerage, asset management, real estate management, and bancassurance-related services. Its segments include Retail Banking, Corporate and Investment Banking, Trouble Assets Units, Global Markets and Asset Management, International Banking Operations, and Other. The group generates maximum revenue from the Retail Banking segment, which, through its branch network and digital business, offers various types of loans (mortgage, consumer, and small business lending), cards (debit, credit, and prepaid cards), deposits, investment, bancassurance, and other products.
56GF Score
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