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Summit Bank GroupSBKO +0.22%65 Net Margin % is 25.09% as of Dec. 2025, which is 6% above its 10-year median of 23.62. GuruFocus rates SBKO with a GF Score™ of 65/100 and a GF Value™ of $16.49 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Summit Bank Group ranks worse than 56.68% on this metric.
Summit Bank Group (OTCPK:SBKO) 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.
Summit Bank Group Net Margin % Related Terms
Summit Bank Group Net Margin % Historical Data
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The historical data trend for Summit Bank Group'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, Summit Bank Group'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.
Summit Bank Group Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Summit Bank Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where Summit Bank Group'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.
Summit Bank Group (SBKO) has a Net Margin % of 25.09% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Summit Bank Group and its competitors. This is near median its historical median of 23.62. Over the past decade, Summit Bank Group's Net Margin % has ranged from 12.95 to 31.61. According to the industry distribution chart, Summit Bank Group ranks #865 out of 1526 companies in the Banks industry, placing it in the top 56.7%.
Is Summit Bank Group's Net Margin % too high?
Summit Bank Group's current Net Margin % of 25.09% is near median its 10-year median of 23.62. Over the past 10 years, this metric has ranged from a low of 12.95 to a high of 31.61. The Banks industry median Net Margin % is 27.07. Summit Bank Group's value of 25.09% is 7.3% below this industry median. Based on the distribution chart, Summit Bank Group ranks #865 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Summit Bank Group has a GF Score™ of 65/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bank Group's Net Margin % compare to MSWV and PLQC?
According to the Banks industry distribution chart, Summit Bank Group ranks #865 out of 1526 companies for Net Margin %. This places Summit Bank Group in the lower half of its industry. The industry median Net Margin % is 27.07. Summit Bank Group's value of 25.09% is 7.3% below this benchmark. Historically, Summit Bank Group's own Net Margin % has ranged from 12.95 to 31.61 over the past decade. While the company's 10-year median is 23.62 vs. the industry median of 27.07, Summit Bank Group has consistently been below 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 27.07, 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. Summit Bank Group's current Net Margin % of 25.09% is 7.3% below 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 Summit Bank Group and its competitors. For the Banks industry, the median Net Margin % is 27.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bank Group's current Net Margin % is 25.09%, which is near median its own 10-year median of 23.62. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bank Group stock overvalued right now?
Based on GuruFocus' analysis, Summit Bank Group (SBKO) is currently considered Significantly Overvalued. The stock's GF Value™ is $16.49, compared to a current price of $23.54 — trading 42.8% above its estimated fair value. The current Net Margin % is 25.09%, which is near median its 10-year median of 23.62 and 7.3% below the Banks industry median of 27.07. Summit Bank Group's overall GF Score™ is 65/100 with 4 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 Summit Bank Group (SBKO), the current Net Margin % is 25.09% 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 Summit Bank Group (SBKO) Overvalued in 2026?
Based on GuruFocus' analysis, Summit Bank Group stock appears to be overvalued.
The current stock price of $23.54 is trading 42.8% above its estimated GF Value™ of $16.49.
GuruFocus considers Summit Bank Group to be Significantly Overvalued.
Key valuation signals for SBKO:
Net Margin %: 25.09% (near median its 10-year median of 23.62)
GF Value™: $16.49 vs. price of $23.54 (42.8% above fair value)
Industry Position: 7.3% below the Banks median (#865 of 1526)
No single metric tells the full story. See the SBKO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit Bank Group Inc provides commercial banking, financing, real estate lending and other services in Lane, Deschutes and Multnomah Counties in Oregon. It also specializes in providing high-level service to professionals and medium-sized businesses and their owners.
65GF Score
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