Woodsboro Bk MDWOBK 57 Net Margin % is 23.51% as of Dec. 2025, which is 16% above its 10-year median of 20.35. GuruFocus rates WOBK with a GF Score™ of 57/100 and a GF Value™ of $64.87 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Woodsboro Bk MD ranks worse than 61.36% on this metric.
Net margin is calculated as Net Income divided by its Revenue. Woodsboro Bk MD's Net Income for the
six
months ended in Dec. 2025 was $4.39 Mil. Woodsboro Bk MD's Revenue for the
six
months ended in Dec. 2025 was $18.69 Mil. Therefore, Woodsboro Bk MD's net margin for the quarter that ended in Dec. 2025 was 23.51%.
The historical rank and industry rank for Woodsboro Bk MD's Net Margin % or its related term are showing as below:
WOBK'
s Net Margin % Range Over the Past 10 Years
Min: 12.22 Med: 20.35 Max: 23.86
Current: 23.51
WOBK's Net Margin % is ranked worse than 61.36% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs WOBK: 23.51
Woodsboro Bk MD (OTCPK:WOBK) 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.
Woodsboro Bk MD Net Margin % Related Terms
Woodsboro Bk MD Net Margin % Historical Data
* Premium members only.
The historical data trend for Woodsboro Bk MD'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, Woodsboro Bk MD'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.
Woodsboro Bk MD Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Woodsboro Bk MD's Net Margin % distribution charts can be found below:
* The bar in red indicates where Woodsboro Bk MD'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.
Woodsboro Bk MD (WOBK) has a Net Margin % of 23.51% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on Woodsboro Bk MD and its competitors. This is 16% above median its historical median of 20.35. Over the past decade, Woodsboro Bk MD's Net Margin % has ranged from 12.22 to 23.86. According to the industry distribution chart, Woodsboro Bk MD ranks #937 out of 1527 companies in the Banks industry, placing it in the top 61.4%.
Is Woodsboro Bk MD's Net Margin % too high?
Woodsboro Bk MD's current Net Margin % of 23.51% is 16% above median its 10-year median of 20.35. Over the past 10 years, this metric has ranged from a low of 12.22 to a high of 23.86. The Banks industry median Net Margin % is 26.95. Woodsboro Bk MD's value of 23.51% is 12.8% below this industry median. Based on the distribution chart, Woodsboro Bk MD ranks #937 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Woodsboro Bk MD has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Woodsboro Bk MD's Net Margin % compare to FBPA and PWBK?
According to the Banks industry distribution chart, Woodsboro Bk MD ranks #937 out of 1527 companies for Net Margin %. This places Woodsboro Bk MD in the lower half of its industry. The industry median Net Margin % is 26.95. Woodsboro Bk MD's value of 23.51% is 12.8% below this benchmark. Historically, Woodsboro Bk MD's own Net Margin % has ranged from 12.22 to 23.86 over the past decade. While the company's 10-year median is 20.35 vs. the industry median of 26.95, Woodsboro Bk MD 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 26.95, 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. Woodsboro Bk MD's current Net Margin % of 23.51% is 12.8% 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 Woodsboro Bk MD 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. Woodsboro Bk MD's current Net Margin % is 23.51%, which is 16% above median its own 10-year median of 20.35. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Woodsboro Bk MD stock overvalued right now?
Based on GuruFocus' analysis, Woodsboro Bk MD (WOBK) is currently considered Modestly Overvalued. The stock's GF Value™ is $64.87, compared to a current price of $82.00 — trading 26.4% above its estimated fair value. The current Net Margin % is 23.51%, which is 16% above median its 10-year median of 20.35 and 12.8% below the Banks industry median of 26.95. Woodsboro Bk MD's overall GF Score™ is 57/100 with 4 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 Woodsboro Bk MD (WOBK), the current Net Margin % is 23.51% 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 Woodsboro Bk MD (WOBK) Overvalued in 2026?
Based on GuruFocus' analysis, Woodsboro Bk MD stock appears to be overvalued.
The current stock price of $82.00 is trading 26.4% above its estimated GF Value™ of $64.87.
GuruFocus considers Woodsboro Bk MD to be Modestly Overvalued.
Key valuation signals for WOBK:
Net Margin %: 23.51% (16% above median its 10-year median of 20.35)
GF Value™: $64.87 vs. price of $82.00 (26.4% above fair value)
Industry Position: 12.8% below the Banks median (#937 of 1527)
No single metric tells the full story. See the WOBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Woodsboro Bk MD provides a variety of financial services to individuals and corporate customers in its principal market area of Frederick County, Maryland through its five offices in Woodsboro, Frederick, and Thurmont, Maryland. The Bank's loans are categorized into seven segments: commercial real estate, residential real estate, multifamily real estate, real estate construction, other construction and land development, commercial and consumer loans.
57GF Score
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