US Metro BancorpUSMT 65 Net Margin % is 20.81% as of Mar. 2026, which is 4% below its 10-year median of 21.73. GuruFocus rates USMT with a GF Score™ of 65/100 and a GF Value™ of $5.46 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,530 Banks companies, US Metro Bancorp ranks worse than 71.31% on this metric.
The historical rank and industry rank for US Metro Bancorp's Net Margin % or its related term are showing as below:
USMT'
s Net Margin % Range Over the Past 10 Years
Min: 15.21 Med: 21.73 Max: 33.66
Current: 19.75
USMT's Net Margin % is ranked worse than 71.31% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs USMT: 19.75
US Metro Bancorp (OTCPK:USMT) 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.
US Metro Bancorp Net Margin % Related Terms
US Metro Bancorp Net Margin % Historical Data
* Premium members only.
The historical data trend for US Metro Bancorp'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, US Metro Bancorp'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.
US Metro Bancorp Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, US Metro Bancorp's Net Margin % distribution charts can be found below:
* The bar in red indicates where US Metro Bancorp'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.
US Metro Bancorp (USMT) has a Net Margin % of 20.81% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on US Metro Bancorp and its competitors. This is near median its historical median of 21.73. Over the past decade, US Metro Bancorp's Net Margin % has ranged from 15.21 to 33.66. According to the industry distribution chart, US Metro Bancorp ranks #1091 out of 1530 companies in the Banks industry, placing it in the top 71.3%.
Is US Metro Bancorp's Net Margin % too high?
US Metro Bancorp's current Net Margin % of 20.81% is near median its 10-year median of 21.73. Over the past 10 years, this metric has ranged from a low of 15.21 to a high of 33.66. The Banks industry median Net Margin % is 26.85. US Metro Bancorp's value of 20.81% is 22.5% below this industry median. Based on the distribution chart, US Metro Bancorp ranks #1091 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, US Metro Bancorp has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does US Metro Bancorp's Net Margin % compare to FNWB and BYFC?
According to the Banks industry distribution chart, US Metro Bancorp ranks #1091 out of 1530 companies for Net Margin %. This places US Metro Bancorp in the lower half of its industry. The industry median Net Margin % is 26.85. US Metro Bancorp's value of 20.81% is 22.5% below this benchmark. Historically, US Metro Bancorp's own Net Margin % has ranged from 15.21 to 33.66 over the past decade. While the company's 10-year median is 21.73 vs. the industry median of 26.85, US Metro Bancorp 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 1,530 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. US Metro Bancorp's current Net Margin % of 20.81% is 22.5% 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 US Metro Bancorp 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. US Metro Bancorp's current Net Margin % is 20.81%, which is near median its own 10-year median of 21.73. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is US Metro Bancorp stock overvalued right now?
Based on GuruFocus' analysis, US Metro Bancorp (USMT) is currently considered Fairly Valued. The stock's GF Value™ is $5.46, compared to a current price of $5.71 — trading 4.6% above its estimated fair value. The current Net Margin % is 20.81%, which is near median its 10-year median of 21.73 and 22.5% below the Banks industry median of 26.85. US Metro Bancorp's overall GF Score™ is 65/100 with 2 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 US Metro Bancorp (USMT), the current Net Margin % is 20.81% 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 US Metro Bancorp (USMT) Overvalued in 2026?
Based on GuruFocus' analysis, US Metro Bancorp stock appears to be overvalued.
The current stock price of $5.71 is trading 4.6% above its estimated GF Value™ of $5.46.
GuruFocus considers US Metro Bancorp to be Fairly Valued.
Key valuation signals for USMT:
Net Margin %: 20.81% (near median its 10-year median of 21.73)
GF Value™: $5.46 vs. price of $5.71 (4.6% above fair value)
Industry Position: 22.5% below the Banks median (#1091 of 1530)
No single metric tells the full story. See the USMT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
US Metro Bancorp is a bank holding company. Through its banking subsidiary, it provides a full range of banking services to commercial businesses and individual consumers. These services mainly include personal savings accounts, online and mobile banking services, business checking accounts, certificate of deposit, consumer loans, commercial loans, treasury management solutions, business loans, wire transfers, and ATM services, among others. The Group operates through a network of branches and loan production offices located across different cities in the United States.
65GF Score
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