Bank of CommercePHS:BNCOM +0.36%65 Net Margin % is 30.45% as of Mar. 2026, which is 79% above its 10-year median of 17.01. GuruFocus rates PHS:BNCOM with a GF Score™ of 65/100 and a GF Value™ of ₱9.24 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,527 Banks companies, Bank of Commerce ranks better than 58.87% on this metric.
The historical rank and industry rank for Bank of Commerce's Net Margin % or its related term are showing as below:
PHS:BNCOM'
s Net Margin % Range Over the Past 10 Years
Min: -0.39 Med: 17.01 Max: 29.66
Current: 29.39
PHS:BNCOM's Net Margin % is ranked better than 58.87% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs PHS:BNCOM: 29.39
Bank of Commerce (PHS:BNCOM) 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.
Bank of Commerce Net Margin % Related Terms
Bank of Commerce Net Margin % Historical Data
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The historical data trend for Bank of Commerce'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.
PHS:BNCOM vs JPM, BAC, WFC: Net Margin % Comparison
For the Banks - Diversified subindustry, Bank of Commerce'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.
Bank of Commerce Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Bank of Commerce's Net Margin % distribution charts can be found below:
* The bar in red indicates where Bank of Commerce'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.
Bank of Commerce (PHS:BNCOM) has a Net Margin % of 30.45% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Bank of Commerce and its competitors. This is 79% above median its historical median of 17.01. According to the industry distribution chart, Bank of Commerce ranks #628 out of 1527 companies in the Banks industry, placing it in the top 41.1%.
Is Bank of Commerce's Net Margin % too high?
Bank of Commerce's current Net Margin % of 30.45% is 79% above median its 10-year median of 17.01. The Banks industry median Net Margin % is 26.95. Bank of Commerce's value of 30.45% is 13% above this industry median. Based on the distribution chart, Bank of Commerce ranks #628 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Bank of Commerce has a GF Score™ of 65/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Bank of Commerce's Net Margin % compare to JPM and BAC?
According to the Banks industry distribution chart, Bank of Commerce ranks #628 out of 1527 companies for Net Margin %. This puts Bank of Commerce in the upper half of its industry. The industry median Net Margin % is 26.95. Bank of Commerce's value of 30.45% is 13% above this benchmark. While the company's 10-year median is 17.01 vs. the industry median of 26.95, Bank of Commerce 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 26.95, 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. Bank of Commerce's current Net Margin % of 30.45% is 13% 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 Bank of Commerce 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. Bank of Commerce's current Net Margin % is 30.45%, which is 79% above median its own 10-year median of 17.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Bank of Commerce stock overvalued right now?
Based on GuruFocus' analysis, Bank of Commerce (PHS:BNCOM) is currently considered Modestly Overvalued. The stock's GF Value™ is ₱9.24, compared to a current price of ₱11.20 — trading 21.2% above its estimated fair value. The current Net Margin % is 30.45%, which is 79% above median its 10-year median of 17.01 and 13% above the Banks industry median of 26.95. Bank of Commerce's overall GF Score™ is 65/100 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 Bank of Commerce (PHS:BNCOM), the current Net Margin % is 30.45% 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 Bank of Commerce (PHS:BNCOM) Overvalued in 2026?
Based on GuruFocus' analysis, Bank of Commerce stock appears to be overvalued.
The current stock price of ₱11.20 is trading 21.2% above its estimated GF Value™ of ₱9.24.
GuruFocus considers Bank of Commerce to be Modestly Overvalued.
Key valuation signals for PHS:BNCOM:
Net Margin %: 30.45% (79% above median its 10-year median of 17.01)
GF Value™: ₱9.24 vs. price of ₱11.20 (21.2% above fair value)
Industry Position: 13% above the Banks median (#628 of 1527)
No single metric tells the full story. See the PHS:BNCOM stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Bank of Commerce is a universal bank focused on helping its clients, communities, and conglomerate partners by delivering financial services. It provides banking solutions and a complete products and services in deposit, commercial loans, credit card services, consumer banking, transaction banking, corporate banking, investment banking, treasury, asset management, trust, and investments. Its segments include Treasury Management Group, Corporate Banking Group, Branch Banking Group, Consumer Group, and Others, with the majority of the revenue deriving from Corporate Banking Group, which principally handles loans and other credit facilities for corporate, institutional, and middle market clients.
65GF Score
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