Artea Bankas ABSTU:ZH5 -0.35%12 Net Margin % is 33.75% as of Mar. 2026, which is 21% below its 10-year median of 42.99. GuruFocus rates STU:ZH5 with a GF Score™ of 12/100 and a GF Value™ of €0.76 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Artea Bankas AB ranks better than 65.95% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Artea Bankas AB's Net Income for the
three
months ended in Mar. 2026 was €15.4 Mil. Artea Bankas AB's Revenue for the
three
months ended in Mar. 2026 was €45.7 Mil. Therefore, Artea Bankas AB's net margin for the quarter that ended in Mar. 2026 was 33.75%.
The historical rank and industry rank for Artea Bankas AB's Net Margin % or its related term are showing as below:
STU:ZH5'
s Net Margin % Range Over the Past 10 Years
Min: 31.45 Med: 42.99 Max: 53.53
Current: 31.45
STU:ZH5's Net Margin % is ranked better than 65.95% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs STU:ZH5: 31.45
Artea Bankas AB (STU:ZH5) 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.
Artea Bankas AB Net Margin % Related Terms
Artea Bankas AB Net Margin % Historical Data
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The historical data trend for Artea Bankas AB'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, Artea Bankas AB'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.
Artea Bankas AB Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Artea Bankas AB's Net Margin % distribution charts can be found below:
* The bar in red indicates where Artea Bankas AB'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.
Artea Bankas AB (STU:ZH5) has a Net Margin % of 33.75% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Artea Bankas AB and its competitors. This is 21% below median its historical median of 42.99. Over the past decade, Artea Bankas AB's Net Margin % has ranged from 31.45 to 53.53. According to the industry distribution chart, Artea Bankas AB ranks #521 out of 1530 companies in the Banks industry, placing it in the top 34.1%.
Is Artea Bankas AB's Net Margin % too high?
Artea Bankas AB's current Net Margin % of 33.75% is 21% below median its 10-year median of 42.99. Over the past 10 years, this metric has ranged from a low of 31.45 to a high of 53.53. The Banks industry median Net Margin % is 26.85. Artea Bankas AB's value of 33.75% is 25.7% above this industry median. Based on the distribution chart, Artea Bankas AB ranks #521 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, Artea Bankas AB has a GF Score™ of 12/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Artea Bankas AB's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Artea Bankas AB ranks #521 out of 1530 companies for Net Margin %. This puts Artea Bankas AB in the upper half of its industry. The industry median Net Margin % is 26.85. Artea Bankas AB's value of 33.75% is 25.7% above this benchmark. Historically, Artea Bankas AB's own Net Margin % has ranged from 31.45 to 53.53 over the past decade. While the company's 10-year median is 42.99 vs. the industry median of 26.85, Artea Bankas AB 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 1,530 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. Artea Bankas AB's current Net Margin % of 33.75% is 25.7% 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 Artea Bankas AB 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. Artea Bankas AB's current Net Margin % is 33.75%, which is 21% below median its own 10-year median of 42.99. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Artea Bankas AB stock overvalued right now?
Based on GuruFocus' analysis, Artea Bankas AB (STU:ZH5) is currently considered Modestly Overvalued. The stock's GF Value™ is €0.76, compared to a current price of €0.84 — trading 10.9% above its estimated fair value. The current Net Margin % is 33.75%, which is 21% below median its 10-year median of 42.99 and 25.7% above the Banks industry median of 26.85. Artea Bankas AB's overall GF Score™ is 12/100 with 6 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 Artea Bankas AB (STU:ZH5), the current Net Margin % is 33.75% 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 Artea Bankas AB (STU:ZH5) Overvalued in 2026?
Based on GuruFocus' analysis, Artea Bankas AB stock appears to be overvalued.
The current stock price of €0.84 is trading 10.9% above its estimated GF Value™ of €0.76.
GuruFocus considers Artea Bankas AB to be Modestly Overvalued.
Key valuation signals for STU:ZH5:
Net Margin %: 33.75% (21% below median its 10-year median of 42.99)
GF Value™: €0.76 vs. price of €0.84 (10.9% above fair value)
Industry Position: 25.7% above the Banks median (#521 of 1530)
No single metric tells the full story. See the STU:ZH5 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Artea Bankas AB provides daily finances to small and medium-sized businesses. It performs all banking operations including accepting deposits, issuing loans, money transfers and documentary settlements, exchanging currencies for clients, issuing and processing debit and credit cards, and among others.
12GF Score
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