Primary BkPRMY 60 Net Margin % is 39.70% as of Dec. 2025, which is 5% above its 10-year median of 37.84. GuruFocus rates PRMY with a GF Score™ of 60/100 and a GF Value™ of $25.59 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,526 Banks companies, Primary Bk ranks better than 83.75% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Primary Bk's Net Income for the
six
months ended in Dec. 2025 was $11.64 Mil. Primary Bk's Revenue for the
six
months ended in Dec. 2025 was $29.31 Mil. Therefore, Primary Bk's net margin for the quarter that ended in Dec. 2025 was 39.70%.
The historical rank and industry rank for Primary Bk's Net Margin % or its related term are showing as below:
PRMY'
s Net Margin % Range Over the Past 10 Years
Min: 26.73 Med: 37.84 Max: 41.08
Current: 39.7
PRMY's Net Margin % is ranked better than 83.75% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs PRMY: 39.70
Primary Bk (OTCPK:PRMY) 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.
Primary Bk Net Margin % Related Terms
Primary Bk Net Margin % Historical Data
* Premium members only.
The historical data trend for Primary Bk'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, Primary Bk'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.
Primary Bk Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Primary Bk's Net Margin % distribution charts can be found below:
* The bar in red indicates where Primary Bk'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.
Primary Bk (PRMY) has a Net Margin % of 39.70% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Primary Bk and its competitors. This is near median its historical median of 37.84. Over the past decade, Primary Bk's Net Margin % has ranged from 26.73 to 41.08. According to the industry distribution chart, Primary Bk ranks #248 out of 1526 companies in the Banks industry, placing it in the top 16.3%.
Is Primary Bk's Net Margin % too high?
Primary Bk's current Net Margin % of 39.70% is near median its 10-year median of 37.84. Over the past 10 years, this metric has ranged from a low of 26.73 to a high of 41.08. The Banks industry median Net Margin % is 26.97. Primary Bk's value of 39.70% is 47.2% above this industry median. Based on the distribution chart, Primary Bk ranks #248 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Primary Bk has a GF Score™ of 60/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Primary Bk's Net Margin % compare to TYFG and INBC?
According to the Banks industry distribution chart, Primary Bk ranks #248 out of 1526 companies for Net Margin %. This places Primary Bk in the top 16% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. Primary Bk's value of 39.70% is 47.2% above this benchmark. Historically, Primary Bk's own Net Margin % has ranged from 26.73 to 41.08 over the past decade. While the company's 10-year median is 37.84 vs. the industry median of 26.97, Primary Bk 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. Primary Bk's current Net Margin % of 39.70% is 47.2% 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 Primary Bk 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. Primary Bk's current Net Margin % is 39.70%, which is near median its own 10-year median of 37.84. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Primary Bk stock overvalued right now?
Based on GuruFocus' analysis, Primary Bk (PRMY) is currently considered Modestly Overvalued. The stock's GF Value™ is $25.59, compared to a current price of $29.89 — trading 16.8% above its estimated fair value. The current Net Margin % is 39.70%, which is near median its 10-year median of 37.84 and 47.2% above the Banks industry median of 26.97. Primary Bk's overall GF Score™ is 60/100 with 3 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 Primary Bk (PRMY), the current Net Margin % is 39.70% 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 Primary Bk (PRMY) Overvalued in 2026?
Based on GuruFocus' analysis, Primary Bk stock appears to be overvalued.
The current stock price of $29.89 is trading 16.8% above its estimated GF Value™ of $25.59.
GuruFocus considers Primary Bk to be Modestly Overvalued.
Key valuation signals for PRMY:
Net Margin %: 39.70% (near median its 10-year median of 37.84)
GF Value™: $25.59 vs. price of $29.89 (16.8% above fair value)
Industry Position: 47.2% above the Banks median (#248 of 1526)
No single metric tells the full story. See the PRMY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Primary Bk is a banking service provider. The services offered by the bank include online banking, mobile banking, remote deposit, cash management, and credit cards. The Bank provides a variety of financial services to small and medium-sized businesses, professionals, municipalities, and not-for-profit organizations through its offices in Bedford, Manchester, Derry, and Nashua, New Hampshire.
60GF Score
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