Pontiac BancorpPONT -0.46%59 Net Margin % is 35.38% as of Dec. 2025, which is 19% above its 10-year median of 29.79. GuruFocus rates PONT with a GF Score™ of 59/100 and a GF Value™ of $637.75 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Pontiac Bancorp ranks better than 76.05% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Pontiac Bancorp's Net Income for the
six
months ended in Dec. 2025 was $15.30 Mil. Pontiac Bancorp's Revenue for the
six
months ended in Dec. 2025 was $43.25 Mil. Therefore, Pontiac Bancorp's net margin for the quarter that ended in Dec. 2025 was 35.38%.
The historical rank and industry rank for Pontiac Bancorp's Net Margin % or its related term are showing as below:
PONT'
s Net Margin % Range Over the Past 10 Years
Min: 28.23 Med: 29.79 Max: 35.38
Current: 35.38
PONT's Net Margin % is ranked better than 76.05% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs PONT: 35.38
Pontiac Bancorp (OTCPK:PONT) 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.
Pontiac Bancorp Net Margin % Related Terms
Pontiac Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for Pontiac Bancorp'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, Pontiac Bancorp'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.
Pontiac Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pontiac Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where Pontiac Bancorp'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.
Pontiac Bancorp (PONT) has a Net Margin % of 35.38% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Pontiac Bancorp and its competitors. This is 19% above median its historical median of 29.79. Over the past decade, Pontiac Bancorp's Net Margin % has ranged from 28.23 to 35.38. According to the industry distribution chart, Pontiac Bancorp ranks #366 out of 1528 companies in the Banks industry, placing it in the top 24%.
Is Pontiac Bancorp's Net Margin % too high?
Pontiac Bancorp's current Net Margin % of 35.38% is 19% above median its 10-year median of 29.79. Over the past 10 years, this metric has ranged from a low of 28.23 to a high of 35.38. The Banks industry median Net Margin % is 26.85. Pontiac Bancorp's value of 35.38% is 31.8% above this industry median. Based on the distribution chart, Pontiac Bancorp ranks #366 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pontiac Bancorp has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's Net Margin % compare to TYFG and ARBV?
According to the Banks industry distribution chart, Pontiac Bancorp ranks #366 out of 1528 companies for Net Margin %. This places Pontiac Bancorp in the top 24% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.85. Pontiac Bancorp's value of 35.38% is 31.8% above this benchmark. Historically, Pontiac Bancorp's own Net Margin % has ranged from 28.23 to 35.38 over the past decade. While the company's 10-year median is 29.79 vs. the industry median of 26.85, Pontiac Bancorp 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 26.85, based on 1,528 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. Pontiac Bancorp's current Net Margin % of 35.38% is 31.8% 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 Pontiac Bancorp and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pontiac Bancorp's current Net Margin % is 35.38%, which is 19% above median its own 10-year median of 29.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $637.75, compared to a current price of $654.75 — trading 2.7% above its estimated fair value. The current Net Margin % is 35.38%, which is 19% above median its 10-year median of 29.79 and 31.8% above the Banks industry median of 26.85. Pontiac Bancorp's overall GF Score™ is 59/100 with 1 warning sign 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 Pontiac Bancorp (PONT), the current Net Margin % is 35.38% 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 Pontiac Bancorp (PONT) Overvalued in 2026?
Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be overvalued.
The current stock price of $654.75 is trading 2.7% above its estimated GF Value™ of $637.75.
GuruFocus considers Pontiac Bancorp to be Fairly Valued.
Key valuation signals for PONT:
Net Margin %: 35.38% (19% above median its 10-year median of 29.79)
GF Value™: $637.75 vs. price of $654.75 (2.7% above fair value)
Industry Position: 31.8% above the Banks median (#366 of 1528)
No single metric tells the full story. See the PONT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
59GF Score
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