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Summit Bancshares,SMAL 58 Net Margin % is 20.96% as of Dec. 2025, which is 9% below its 10-year median of 22.96. GuruFocus rates SMAL with a GF Score™ of 58/100 and a GF Value™ of $40.41 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 1,524 Banks companies, Summit Bancshares, ranks worse than 68.9% on this metric.
Summit Bancshares, (OTCPK:SMAL) 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 Bancshares, Net Margin % Related Terms
Summit Bancshares, Net Margin % Historical Data
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The historical data trend for Summit Bancshares,'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 Bancshares,'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 Bancshares, Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Summit Bancshares,'s Net Margin % distribution charts can be found below:
* The bar in red indicates where Summit Bancshares,'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 Bancshares, (SMAL) has a Net Margin % of 20.96% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Summit Bancshares, and its competitors. This is near median its historical median of 22.96. Over the past decade, Summit Bancshares,'s Net Margin % has ranged from 12.08 to 31.84. According to the industry distribution chart, Summit Bancshares, ranks #1050 out of 1524 companies in the Banks industry, placing it in the top 68.9%.
Is Summit Bancshares,'s Net Margin % too high?
Summit Bancshares,'s current Net Margin % of 20.96% is near median its 10-year median of 22.96. Over the past 10 years, this metric has ranged from a low of 12.08 to a high of 31.84. The Banks industry median Net Margin % is 27.32. Summit Bancshares,'s value of 20.96% is 23.3% below this industry median. Based on the distribution chart, Summit Bancshares, ranks #1050 out of 1524 companies in the Banks industry, which is below the industry midpoint. Overall, Summit Bancshares, has a GF Score™ of 58/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Summit Bancshares,'s Net Margin % compare to SRNN and GLBZ?
According to the Banks industry distribution chart, Summit Bancshares, ranks #1050 out of 1524 companies for Net Margin %. This places Summit Bancshares, in the lower half of its industry. The industry median Net Margin % is 27.32. Summit Bancshares,'s value of 20.96% is 23.3% below this benchmark. Historically, Summit Bancshares,'s own Net Margin % has ranged from 12.08 to 31.84 over the past decade. While the company's 10-year median is 22.96 vs. the industry median of 27.32, Summit Bancshares, 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 27.32, based on 1,524 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 Bancshares,'s current Net Margin % of 20.96% is 23.3% 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 Bancshares, and its competitors. For the Banks industry, the median Net Margin % is 27.32 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Summit Bancshares,'s current Net Margin % is 20.96%, which is near median its own 10-year median of 22.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Summit Bancshares, stock overvalued right now?
Based on GuruFocus' analysis, Summit Bancshares, (SMAL) is currently considered Significantly Undervalued. The stock's GF Value™ is $40.41, compared to a current price of $12.49 — trading 69.1% below its estimated fair value. The current Net Margin % is 20.96%, which is near median its 10-year median of 22.96 and 23.3% below the Banks industry median of 27.32. Summit Bancshares,'s overall GF Score™ is 58/100 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 Summit Bancshares, (SMAL), the current Net Margin % is 20.96% 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 Bancshares, (SMAL) Overvalued in 2026?
Based on GuruFocus' analysis, Summit Bancshares, stock appears to be undervalued.
The current stock price of $12.49 is trading 69.1% below its estimated GF Value™ of $40.41.
GuruFocus considers Summit Bancshares, to be Significantly Undervalued.
Key valuation signals for SMAL:
Net Margin %: 20.96% (near median its 10-year median of 22.96)
GF Value™: $40.41 vs. price of $12.49 (69.1% below fair value)
Industry Position: 23.3% below the Banks median (#1050 of 1524)
No single metric tells the full story. See the SMAL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Summit Bancshares, Inc. operates in the banking industry. It offers personal banking, business banking, and other services. The Bank operates approximately three branches and provides commercial credit and other banking services to small and mid-sized businesses and professionals, including professional firms of physicians, attorneys, accountants, real estate developers, retailers, service firms, wholesalers, and distributors.
58GF Score
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