Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
NMB FinlNMBF 64 Net Margin % is 32.67% as of Dec. 2025, which is 16% above its 10-year median of 28.21. GuruFocus rates NMBF with a GF Score™ of 64/100 and a GF Value™ of $14.65 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, NMB Finl ranks better than 69.61% on this metric.
Net margin is calculated as Net Income divided by its Revenue. NMB Finl's Net Income for the
six
months ended in Dec. 2025 was $10.91 Mil. NMB Finl's Revenue for the
six
months ended in Dec. 2025 was $33.39 Mil. Therefore, NMB Finl's net margin for the quarter that ended in Dec. 2025 was 32.67%.
The historical rank and industry rank for NMB Finl's Net Margin % or its related term are showing as below:
NMBF'
s Net Margin % Range Over the Past 10 Years
Min: 17.64 Med: 28.21 Max: 34.21
Current: 32.67
NMBF's Net Margin % is ranked better than 69.61% of 1527
companies
in the Banks industry
Industry Median: 26.87
vs NMBF: 32.67
NMB Finl (OTCPK:NMBF) 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.
NMB Finl Net Margin % Related Terms
NMB Finl Net Margin % Historical Data
* Premium members only.
The historical data trend for NMB Finl'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, NMB Finl'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.
NMB Finl Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NMB Finl's Net Margin % distribution charts can be found below:
* The bar in red indicates where NMB Finl'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.
NMB Finl (NMBF) has a Net Margin % of 32.67% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on NMB Finl and its competitors. This is 16% above median its historical median of 28.21. Over the past decade, NMB Finl's Net Margin % has ranged from 17.64 to 34.21. According to the industry distribution chart, NMB Finl ranks #464 out of 1527 companies in the Banks industry, placing it in the top 30.4%.
Is NMB Finl's Net Margin % too high?
NMB Finl's current Net Margin % of 32.67% is 16% above median its 10-year median of 28.21. Over the past 10 years, this metric has ranged from a low of 17.64 to a high of 34.21. The Banks industry median Net Margin % is 26.87. NMB Finl's value of 32.67% is 21.6% above this industry median. Based on the distribution chart, NMB Finl ranks #464 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, NMB Finl has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NMB Finl's Net Margin % compare to FABP and CYVF?
According to the Banks industry distribution chart, NMB Finl ranks #464 out of 1527 companies for Net Margin %. This puts NMB Finl in the upper half of its industry. The industry median Net Margin % is 26.87. NMB Finl's value of 32.67% is 21.6% above this benchmark. Historically, NMB Finl's own Net Margin % has ranged from 17.64 to 34.21 over the past decade. While the company's 10-year median is 28.21 vs. the industry median of 26.87, NMB Finl 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 26.87, 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. NMB Finl's current Net Margin % of 32.67% is 21.6% 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 NMB Finl and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Finl's current Net Margin % is 32.67%, which is 16% above median its own 10-year median of 28.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Finl stock overvalued right now?
Based on GuruFocus' analysis, NMB Finl (NMBF) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.65, compared to a current price of $18.90 — trading 29% above its estimated fair value. The current Net Margin % is 32.67%, which is 16% above median its 10-year median of 28.21 and 21.6% above the Banks industry median of 26.87. NMB Finl's overall GF Score™ is 64/100 with 2 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 NMB Finl (NMBF), the current Net Margin % is 32.67% 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 NMB Finl (NMBF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Finl stock appears to be overvalued.
The current stock price of $18.90 is trading 29% above its estimated GF Value™ of $14.65.
GuruFocus considers NMB Finl to be Modestly Overvalued.
Key valuation signals for NMBF:
Net Margin %: 32.67% (16% above median its 10-year median of 28.21)
GF Value™: $14.65 vs. price of $18.90 (29% above fair value)
Industry Position: 21.6% above the Banks median (#464 of 1527)
No single metric tells the full story. See the NMBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Finl Corp is a bank holding company of New Millennium Bank. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Brunswick and Somerset New Jersey locations. In addition, it also offers various other online banking services.
64GF Score
Get the complete analysis for NMBF
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
NMBF has been successfully added to your 
