TBC Bank GroupTBCCF +4.60%88 Net Margin % is 41.95% as of Mar. 2026, which is 5% below its 10-year median of 44.04. GuruFocus rates TBCCF with a GF Score™ of 88/100 and a GF Value™ of $60.83 (Fairly Valued). Among 1,526 Banks companies, TBC Bank Group ranks better than 84.99% on this metric.
Net margin is calculated as Net Income divided by its Revenue. TBC Bank Group's Net Income for the
three
months ended in Mar. 2026 was $136 Mil. TBC Bank Group's Revenue for the
three
months ended in Mar. 2026 was $324 Mil. Therefore, TBC Bank Group's net margin for the quarter that ended in Mar. 2026 was 41.95%.
The historical rank and industry rank for TBC Bank Group's Net Margin % or its related term are showing as below:
TBCCF'
s Net Margin % Range Over the Past 10 Years
Min: 26.81 Med: 44.04 Max: 54.08
Current: 40.39
TBCCF's Net Margin % is ranked better than 84.99% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs TBCCF: 40.39
TBC Bank Group (OTCPK:TBCCF) 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.
TBC Bank Group Net Margin % Related Terms
TBC Bank Group Net Margin % Historical Data
* Premium members only.
The historical data trend for TBC 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, TBC 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.
TBC Bank Group Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, TBC Bank Group's Net Margin % distribution charts can be found below:
* The bar in red indicates where TBC 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.
TBC Bank Group (TBCCF) has a Net Margin % of 41.95% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on TBC Bank Group and its competitors. This is near median its historical median of 44.04. Over the past decade, TBC Bank Group's Net Margin % has ranged from 26.81 to 54.08. According to the industry distribution chart, TBC Bank Group ranks #229 out of 1526 companies in the Banks industry, placing it in the top 15%.
Is TBC Bank Group's Net Margin % too high?
TBC Bank Group's current Net Margin % of 41.95% is near median its 10-year median of 44.04. Over the past 10 years, this metric has ranged from a low of 26.81 to a high of 54.08. The Banks industry median Net Margin % is 26.97. TBC Bank Group's value of 41.95% is 55.5% above this industry median. Based on the distribution chart, TBC Bank Group ranks #229 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, TBC Bank Group has a GF Score™ of 88/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does TBC Bank Group's Net Margin % compare to competitors?
According to the Banks industry distribution chart, TBC Bank Group ranks #229 out of 1526 companies for Net Margin %. This places TBC Bank Group in the top 15% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. TBC Bank Group's value of 41.95% is 55.5% above this benchmark. Historically, TBC Bank Group's own Net Margin % has ranged from 26.81 to 54.08 over the past decade. While the company's 10-year median is 44.04 vs. the industry median of 26.97, TBC Bank Group 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. TBC Bank Group's current Net Margin % of 41.95% is 55.5% 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 TBC Bank Group 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. TBC Bank Group's current Net Margin % is 41.95%, which is near median its own 10-year median of 44.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is TBC Bank Group stock overvalued right now?
Based on GuruFocus' analysis, TBC Bank Group (TBCCF) is currently considered Fairly Valued. The stock's GF Value™ is $60.83, compared to a current price of $60.28 — trading 0.9% below its estimated fair value. The current Net Margin % is 41.95%, which is near median its 10-year median of 44.04 and 55.5% above the Banks industry median of 26.97. TBC Bank Group's overall GF Score™ is 88/100. 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 TBC Bank Group (TBCCF), the current Net Margin % is 41.95% 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 TBC Bank Group (TBCCF) Overvalued in 2026?
Based on GuruFocus' analysis, TBC Bank Group stock appears to be undervalued.
The current stock price of $60.28 is trading 0.9% below its estimated GF Value™ of $60.83.
GuruFocus considers TBC Bank Group to be Fairly Valued.
Key valuation signals for TBCCF:
Net Margin %: 41.95% (near median its 10-year median of 44.04)
GF Value™: $60.83 vs. price of $60.28 (0.9% below fair value)
Industry Position: 55.5% above the Banks median (#229 of 1526)
No single metric tells the full story. See the TBCCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
TBC Bank Group PLC is a UK-based banking group. The business activities of the company involves universal banking operations within Georgia. The bank is focused on financial services activities, and the majority of its total assets relate to banking, insurance, leasing, brokerage, and corporate advisory services. Its operating segments include Georgian financial services (Georgia FS), which includes corporate and investment banking (CIB), Retail - non-business individual customers; Micro, Small, and Medium Enterprises: (MSME); Uzbekistan; and Other Operations.
88GF Score
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