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Foroya Banki P/FOCSE:FOBANK -0.88%38 Net Margin % is 44.73% as of Mar. 2026, which is 2% above its 10-year median of 43.90. GuruFocus rates OCSE:FOBANK with a GF Score™ of 38/100 and a GF Value™ of kr165.03 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Foroya Banki P/F ranks better than 91.93% on this metric.
Foroya Banki P/F (OCSE:FOBANK) 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.
Foroya Banki P/F Net Margin % Related Terms
Foroya Banki P/F Net Margin % Historical Data
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The historical data trend for Foroya Banki P/F'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.
Foroya Banki P/F Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Foroya Banki P/F'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.
Foroya Banki P/F Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Foroya Banki P/F's Net Margin % distribution charts can be found below:
* The bar in red indicates where Foroya Banki P/F'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.
Foroya Banki P/F (OCSE:FOBANK) has a Net Margin % of 44.73% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Foroya Banki P/F and its competitors. This is near median its historical median of 43.90. Over the past decade, Foroya Banki P/F's Net Margin % has ranged from 26.30 to 53.60. According to the industry distribution chart, Foroya Banki P/F ranks #123 out of 1525 companies in the Banks industry, placing it in the top 8.1%.
Is Foroya Banki P/F's Net Margin % too high?
Foroya Banki P/F's current Net Margin % of 44.73% is near median its 10-year median of 43.90. Over the past 10 years, this metric has ranged from a low of 26.30 to a high of 53.60. The Banks industry median Net Margin % is 27.08. Foroya Banki P/F's value of 44.73% is 65.2% above this industry median. Based on the distribution chart, Foroya Banki P/F ranks #123 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Foroya Banki P/F has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Foroya Banki P/F's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Foroya Banki P/F ranks #123 out of 1525 companies for Net Margin %. This places Foroya Banki P/F in the top 8% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.08. Foroya Banki P/F's value of 44.73% is 65.2% above this benchmark. Historically, Foroya Banki P/F's own Net Margin % has ranged from 26.30 to 53.60 over the past decade. While the company's 10-year median is 43.90 vs. the industry median of 27.08, Foroya Banki P/F 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 27.08, based on 1,525 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. Foroya Banki P/F's current Net Margin % of 44.73% is 65.2% 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 Foroya Banki P/F and its competitors. For the Banks industry, the median Net Margin % is 27.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Foroya Banki P/F's current Net Margin % is 44.73%, which is near median its own 10-year median of 43.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Foroya Banki P/F stock overvalued right now?
Based on GuruFocus' analysis, Foroya Banki P/F (OCSE:FOBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is kr165.03, compared to a current price of kr282.50 — trading 71.2% above its estimated fair value. The current Net Margin % is 44.73%, which is near median its 10-year median of 43.90 and 65.2% above the Banks industry median of 27.08. Foroya Banki P/F's overall GF Score™ is 38/100 with 6 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 Foroya Banki P/F (OCSE:FOBANK), the current Net Margin % is 44.73% 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 Foroya Banki P/F (OCSE:FOBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Foroya Banki P/F stock appears to be overvalued.
The current stock price of kr282.50 is trading 71.2% above its estimated GF Value™ of kr165.03.
GuruFocus considers Foroya Banki P/F to be Significantly Overvalued.
Key valuation signals for OCSE:FOBANK:
Net Margin %: 44.73% (near median its 10-year median of 43.90)
GF Value™: kr165.03 vs. price of kr282.50 (71.2% above fair value)
Industry Position: 65.2% above the Banks median (#123 of 1525)
No single metric tells the full story. See the OCSE:FOBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Foroya Banki P/F is a banking company. It provides a range of banking products and financial services to private and corporate customers. Its business units include Banking and Non-life insurance. The Banking unit comprises of Personal Banking and Corporate Banking. Personal Banking comprises private customers in the Faroe Islands and Greenland. Corporate Banking comprises corporate customers mainly in the Faroe Islands and in Greenland. The corporate also comprises a few remaining corporate customers from Denmark. Non-life insurance comprises the insurance company P/F TRYGD based The Faroe Islands. TRYGD is responsible for the-life insurance products. It operates in the Faroe Islands, Denmark and Greenland of which key revenue is derived from the Faroe Islands.
38GF Score
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