Shinkin Central BankSKCBY 54 Net Margin % is 20.11% as of Mar. 2026, which is 15% below its 10-year median of 23.61. GuruFocus rates SKCBY with a GF Score™ of 54/100 and a GF Value™ of $6.55. The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Shinkin Central Bank ranks worse than 60.18% on this metric.
The historical rank and industry rank for Shinkin Central Bank's Net Margin % or its related term are showing as below:
SKCBY'
s Net Margin % Range Over the Past 10 Years
Min: 10.41 Med: 23.61 Max: 30.81
Current: 23.83
SKCBY's Net Margin % is ranked worse than 60.18% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs SKCBY: 23.83
Shinkin Central Bank (OTCPK:SKCBY) 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.
Shinkin Central Bank Net Margin % Related Terms
Shinkin Central Bank Net Margin % Historical Data
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The historical data trend for Shinkin Central Bank'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.
Shinkin Central Bank Net Margin % Competitor Comparison
For the Banks - Regional subindustry, Shinkin Central Bank'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.
Shinkin Central Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Shinkin Central Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Shinkin Central Bank'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.
Shinkin Central Bank (SKCBY) has a Net Margin % of 20.11% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Shinkin Central Bank and its competitors. This is 15% below median its historical median of 23.61. Over the past decade, Shinkin Central Bank's Net Margin % has ranged from 10.41 to 30.81. According to the industry distribution chart, Shinkin Central Bank ranks #919 out of 1527 companies in the Banks industry, placing it in the top 60.2%.
Is Shinkin Central Bank's Net Margin % too high?
Shinkin Central Bank's current Net Margin % of 20.11% is 15% below median its 10-year median of 23.61. Over the past 10 years, this metric has ranged from a low of 10.41 to a high of 30.81. The Banks industry median Net Margin % is 26.95. Shinkin Central Bank's value of 20.11% is 25.4% below this industry median. Based on the distribution chart, Shinkin Central Bank ranks #919 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Shinkin Central Bank has a GF Score™ of 54/100, reflecting its overall financial health beyond just this single metric.
How does Shinkin Central Bank's Net Margin % compare to competitors?
According to the Banks industry distribution chart, Shinkin Central Bank ranks #919 out of 1527 companies for Net Margin %. This places Shinkin Central Bank in the lower half of its industry. The industry median Net Margin % is 26.95. Shinkin Central Bank's value of 20.11% is 25.4% below this benchmark. Historically, Shinkin Central Bank's own Net Margin % has ranged from 10.41 to 30.81 over the past decade. While the company's 10-year median is 23.61 vs. the industry median of 26.95, Shinkin Central Bank 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 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. Shinkin Central Bank's current Net Margin % of 20.11% is 25.4% 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 Shinkin Central Bank 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. Shinkin Central Bank's current Net Margin % is 20.11%, which is 15% below median its own 10-year median of 23.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Shinkin Central Bank stock overvalued right now?
Shinkin Central Bank (SKCBY) has a current Net Margin % of 20.11%. The stock's GF Value™ is $6.55, compared to a current price of $7.06 — trading 7.8% above its estimated fair value. The current Net Margin % is 20.11%, which is 15% below median its 10-year median of 23.61 and 25.4% below the Banks industry median of 26.95. Shinkin Central Bank's overall GF Score™ is 54/100 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 Shinkin Central Bank (SKCBY), the current Net Margin % is 20.11% 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 Shinkin Central Bank (SKCBY) Overvalued in 2026?
Based on GuruFocus' analysis, Shinkin Central Bank stock appears to be overvalued.
The current stock price of $7.06 is trading 7.8% above its estimated GF Value™ of $6.55.
Key valuation signals for SKCBY:
Net Margin %: 20.11% (15% below median its 10-year median of 23.61)
GF Value™: $6.55 vs. price of $7.06 (7.8% above fair value)
Industry Position: 25.4% below the Banks median (#919 of 1527)
No single metric tells the full story. See the SKCBY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Shinkin Central Bank provides various financial products and services, including deposit, bond, financing, market operation, securities, and settlement, as well as business support and function supplement for cooperative banks. It uses the funds deposited from Shinkin banks throughout Japan to invest in marketable securities in the financial markets in Japan and overseas. It provides loans to operating companies.
54GF Score
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