Tri City BanksharesTRCY -0.63%62 Net Margin % is 19.07% as of Dec. 2025, which is 1% above its 10-year median of 18.79. GuruFocus rates TRCY with a GF Score™ of 62/100 and a GF Value™ of $15.42 (Modestly Overvalued). Among 1,528 Banks companies, Tri City Bankshares ranks worse than 72.51% on this metric.
The historical rank and industry rank for Tri City Bankshares's Net Margin % or its related term are showing as below:
TRCY'
s Net Margin % Range Over the Past 10 Years
Min: 15.01 Med: 18.79 Max: 26.9
Current: 19.07
TRCY's Net Margin % is ranked worse than 72.51% of 1528
companies
in the Banks industry
Industry Median: 26.845
vs TRCY: 19.07
Tri City Bankshares (OTCPK:TRCY) 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.
Tri City Bankshares Net Margin % Related Terms
Tri City Bankshares Net Margin % Historical Data
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The historical data trend for Tri City Bankshares'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, Tri City Bankshares'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.
Tri City Bankshares Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Tri City Bankshares's Net Margin % distribution charts can be found below:
* The bar in red indicates where Tri City Bankshares'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.
Tri City Bankshares (TRCY) has a Net Margin % of 19.07% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Tri City Bankshares and its competitors. This is near median its historical median of 18.79. Over the past decade, Tri City Bankshares' Net Margin % has ranged from 15.01 to 26.90. According to the industry distribution chart, Tri City Bankshares ranks #1108 out of 1528 companies in the Banks industry, placing it in the top 72.5%.
Is Tri City Bankshares' Net Margin % too high?
Tri City Bankshares' current Net Margin % of 19.07% is near median its 10-year median of 18.79. Over the past 10 years, this metric has ranged from a low of 15.01 to a high of 26.90. The Banks industry median Net Margin % is 26.85. Tri City Bankshares' value of 19.07% is 29% below this industry median. Based on the distribution chart, Tri City Bankshares ranks #1108 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Tri City Bankshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Tri City Bankshares' Net Margin % compare to UBAB and SBKO?
According to the Banks industry distribution chart, Tri City Bankshares ranks #1108 out of 1528 companies for Net Margin %. This places Tri City Bankshares in the lower half of its industry. The industry median Net Margin % is 26.85. Tri City Bankshares' value of 19.07% is 29% below this benchmark. Historically, Tri City Bankshares' own Net Margin % has ranged from 15.01 to 26.90 over the past decade. While the company's 10-year median is 18.79 vs. the industry median of 26.85, Tri City Bankshares 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 26.85, based on 1,528 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. Tri City Bankshares's current Net Margin % of 19.07% is 29% 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 Tri City Bankshares 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. Tri City Bankshares's current Net Margin % is 19.07%, which is near median its own 10-year median of 18.79. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Tri City Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Tri City Bankshares (TRCY) is currently considered Modestly Overvalued. The stock's GF Value™ is $15.42, compared to a current price of $18.90 — trading 22.6% above its estimated fair value. The current Net Margin % is 19.07%, which is near median its 10-year median of 18.79 and 29% below the Banks industry median of 26.85. Tri City Bankshares' overall GF Score™ is 62/100. 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 Tri City Bankshares (TRCY), the current Net Margin % is 19.07% 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 Tri City Bankshares (TRCY) Overvalued in 2026?
Based on GuruFocus' analysis, Tri City Bankshares stock appears to be overvalued.
The current stock price of $18.90 is trading 22.6% above its estimated GF Value™ of $15.42.
GuruFocus considers Tri City Bankshares to be Modestly Overvalued.
Key valuation signals for TRCY:
Net Margin %: 19.07% (near median its 10-year median of 18.79)
GF Value™: $15.42 vs. price of $18.90 (22.6% above fair value)
Industry Position: 29% below the Banks median (#1108 of 1528)
No single metric tells the full story. See the TRCY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Tri City Bankshares Corp is a bank holding company. It provides consumer and commercial banking services to individuals and businesses. The services provided by the bank are loan facilities, credit card facilities, reverse mortgages, online banking services, business cards, savings facilities, and other services. It has one reportable segment, community banking.
62GF Score
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