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Touchmark BancsharesTMAK -1.57%55 Net Margin % is 25.02% as of Jun. 2026, which is 28% below its 10-year median of 34.88. GuruFocus rates TMAK with a GF Score™ of 55/100 and a GF Value™ of $8.19 (Significantly Overvalued). The stock has 5 warning signs investors should review. Among 1,525 Banks companies, Touchmark Bancshares ranks worse than 75.93% on this metric.
Touchmark Bancshares (OTCPK:TMAK) 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.
Touchmark Bancshares Net Margin % Related Terms
Touchmark Bancshares Net Margin % Historical Data
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The historical data trend for Touchmark 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, Touchmark 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.
Touchmark Bancshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Touchmark Bancshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Touchmark 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.
Touchmark Bancshares (TMAK) has a Net Margin % of 25.02% as of Jun. 2026. Net margin is the ratio of total net income to net sales. View historical data on Touchmark Bancshares and its competitors. This is 28% below median its historical median of 34.88. Over the past decade, Touchmark Bancshares' Net Margin % has ranged from 1.17 to 48.37. According to the industry distribution chart, Touchmark Bancshares ranks #1158 out of 1525 companies in the Banks industry, placing it in the top 75.9%.
Is Touchmark Bancshares' Net Margin % too high?
Touchmark Bancshares' current Net Margin % of 25.02% is 28% below median its 10-year median of 34.88. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 48.37. The Banks industry median Net Margin % is 27.19. Touchmark Bancshares' value of 25.02% is 8% below this industry median. Based on the distribution chart, Touchmark Bancshares ranks #1158 out of 1525 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Touchmark Bancshares has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Touchmark Bancshares' Net Margin % compare to HFBA and SOUB?
According to the Banks industry distribution chart, Touchmark Bancshares ranks #1158 out of 1525 companies for Net Margin %. This places Touchmark Bancshares in the lower half of its industry. The industry median Net Margin % is 27.19. Touchmark Bancshares' value of 25.02% is 8% below this benchmark. Historically, Touchmark Bancshares' own Net Margin % has ranged from 1.17 to 48.37 over the past decade. While the company's 10-year median is 34.88 vs. the industry median of 27.19, Touchmark 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 27.19, based on 1,525 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. Touchmark Bancshares's current Net Margin % of 25.02% is 8% 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 Touchmark Bancshares and its competitors. For the Banks industry, the median Net Margin % is 27.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Touchmark Bancshares's current Net Margin % is 25.02%, which is 28% below median its own 10-year median of 34.88. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Touchmark Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Touchmark Bancshares (TMAK) is currently considered Significantly Overvalued. The stock's GF Value™ is $8.19, compared to a current price of $11.32 — trading 38.2% above its estimated fair value. The current Net Margin % is 25.02%, which is 28% below median its 10-year median of 34.88 and 8% below the Banks industry median of 27.19. Touchmark Bancshares' overall GF Score™ is 55/100 with 5 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 Touchmark Bancshares (TMAK), the current Net Margin % is 25.02% as of Jun. 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 Touchmark Bancshares (TMAK) Overvalued in 2026?
Based on GuruFocus' analysis, Touchmark Bancshares stock appears to be overvalued.
The current stock price of $11.32 is trading 38.2% above its estimated GF Value™ of $8.19.
GuruFocus considers Touchmark Bancshares to be Significantly Overvalued.
Key valuation signals for TMAK:
Net Margin %: 25.02% (28% below median its 10-year median of 34.88)
GF Value™: $8.19 vs. price of $11.32 (38.2% above fair value)
Industry Position: 8% below the Banks median (#1158 of 1525)
No single metric tells the full story. See the TMAK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Touchmark Bancshares Inc, through its banking subsidiary, Touchmark National Bank, provides banking services to small- to mid-sized commercial, professional, and service companies and consumers. It offers services including Online banking, Personal banking, Business banking, and SBA. Its sources of revenue are derived from the Bank's loans to customers and its investment portfolio.
55GF Score
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