Trinity Bank NATYBT 71 Net Margin % is 39.71% as of Dec. 2025, which is 1% below its 10-year median of 40.06. GuruFocus rates TYBT with a GF Score™ of 71/100 and a GF Value™ of $114.08 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, Trinity Bank NA ranks better than 87.56% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Trinity Bank NA's Net Income for the
three
months ended in Dec. 2025 was $2.24 Mil. Trinity Bank NA's Revenue for the
three
months ended in Dec. 2025 was $5.64 Mil. Therefore, Trinity Bank NA's net margin for the quarter that ended in Dec. 2025 was 39.71%.
The historical rank and industry rank for Trinity Bank NA's Net Margin % or its related term are showing as below:
TYBT'
s Net Margin % Range Over the Past 10 Years
Min: -17.98 Med: 40.06 Max: 50.11
Current: 42.43
TYBT's Net Margin % is ranked better than 87.56% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs TYBT: 42.43
Trinity Bank NA (OTCPK:TYBT) 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.
Trinity Bank NA Net Margin % Related Terms
Trinity Bank NA Net Margin % Historical Data
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The historical data trend for Trinity Bank NA'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, Trinity Bank NA'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.
Trinity Bank NA Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Trinity Bank NA's Net Margin % distribution charts can be found below:
* The bar in red indicates where Trinity Bank NA'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.
Trinity Bank NA (TYBT) has a Net Margin % of 39.71% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Trinity Bank NA and its competitors. This is near median its historical median of 40.06. According to the industry distribution chart, Trinity Bank NA ranks #190 out of 1527 companies in the Banks industry, placing it in the top 12.4%.
Is Trinity Bank NA's Net Margin % too high?
Trinity Bank NA's current Net Margin % of 39.71% is near median its 10-year median of 40.06. The Banks industry median Net Margin % is 26.95. Trinity Bank NA's value of 39.71% is 47.3% above this industry median. Based on the distribution chart, Trinity Bank NA ranks #190 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Trinity Bank NA has a GF Score™ of 71/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Trinity Bank NA's Net Margin % compare to KTHN and GSBX?
According to the Banks industry distribution chart, Trinity Bank NA ranks #190 out of 1527 companies for Net Margin %. This places Trinity Bank NA in the top 12% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.95. Trinity Bank NA's value of 39.71% is 47.3% above this benchmark. While the company's 10-year median is 40.06 vs. the industry median of 26.95, Trinity Bank NA 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 26.95, based on 1,527 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. Trinity Bank NA's current Net Margin % of 39.71% is 47.3% 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 Trinity Bank NA and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trinity Bank NA's current Net Margin % is 39.71%, which is near median its own 10-year median of 40.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trinity Bank NA stock overvalued right now?
Based on GuruFocus' analysis, Trinity Bank NA (TYBT) is currently considered Modestly Undervalued. The stock's GF Value™ is $114.08, compared to a current price of $96.25 — trading 15.6% below its estimated fair value. The current Net Margin % is 39.71%, which is near median its 10-year median of 40.06 and 47.3% above the Banks industry median of 26.95. Trinity Bank NA's overall GF Score™ is 71/100 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 Trinity Bank NA (TYBT), the current Net Margin % is 39.71% 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 Trinity Bank NA (TYBT) Overvalued in 2026?
Based on GuruFocus' analysis, Trinity Bank NA stock appears to be undervalued.
The current stock price of $96.25 is trading 15.6% below its estimated GF Value™ of $114.08.
GuruFocus considers Trinity Bank NA to be Modestly Undervalued.
Key valuation signals for TYBT:
Net Margin %: 39.71% (near median its 10-year median of 40.06)
GF Value™: $114.08 vs. price of $96.25 (15.6% below fair value)
Industry Position: 47.3% above the Banks median (#190 of 1527)
No single metric tells the full story. See the TYBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Trinity Bank NA operates as a national bank. The bank provides a full range of banking services to individual and corporate customers and is subject to competition from other local, regional, and national financial institutions.
71GF Score
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