West Shore BankWSSH +0.33%56 Net Margin % is 18.20% as of Dec. 2025, which is 11% above its 10-year median of 16.46. GuruFocus rates WSSH with a GF Score™ of 56/100 and a GF Value™ of $34.87 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, West Shore Bank ranks worse than 74.72% on this metric.
Net margin is calculated as Net Income divided by its Revenue. West Shore Bank's Net Income for the
six
months ended in Dec. 2025 was $6.25 Mil. West Shore Bank's Revenue for the
six
months ended in Dec. 2025 was $34.34 Mil. Therefore, West Shore Bank's net margin for the quarter that ended in Dec. 2025 was 18.20%.
The historical rank and industry rank for West Shore Bank's Net Margin % or its related term are showing as below:
WSSH'
s Net Margin % Range Over the Past 10 Years
Min: 14.3 Med: 16.46 Max: 18.2
Current: 18.2
WSSH's Net Margin % is ranked worse than 74.72% of 1527
companies
in the Banks industry
Industry Median: 26.95
vs WSSH: 18.20
West Shore Bank (OTCPK:WSSH) 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.
West Shore Bank Net Margin % Related Terms
West Shore Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for West Shore Bank'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, West Shore Bank'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.
West Shore Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, West Shore Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where West Shore Bank'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.
West Shore Bank (WSSH) has a Net Margin % of 18.20% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on West Shore Bank and its competitors. This is 11% above median its historical median of 16.46. Over the past decade, West Shore Bank's Net Margin % has ranged from 14.30 to 18.20. According to the industry distribution chart, West Shore Bank ranks #1141 out of 1527 companies in the Banks industry, placing it in the top 74.7%.
Is West Shore Bank's Net Margin % too high?
West Shore Bank's current Net Margin % of 18.20% is 11% above median its 10-year median of 16.46. Over the past 10 years, this metric has ranged from a low of 14.30 to a high of 18.20. The Banks industry median Net Margin % is 26.95. West Shore Bank's value of 18.20% is 32.5% below this industry median. Based on the distribution chart, West Shore Bank ranks #1141 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, West Shore Bank has a GF Score™ of 56/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does West Shore Bank's Net Margin % compare to PVBK and TBBC?
According to the Banks industry distribution chart, West Shore Bank ranks #1141 out of 1527 companies for Net Margin %. This places West Shore Bank in the lower half of its industry. The industry median Net Margin % is 26.95. West Shore Bank's value of 18.20% is 32.5% below this benchmark. Historically, West Shore Bank's own Net Margin % has ranged from 14.30 to 18.20 over the past decade. While the company's 10-year median is 16.46 vs. the industry median of 26.95, West Shore Bank 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. West Shore Bank's current Net Margin % of 18.20% is 32.5% 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 West Shore Bank 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. West Shore Bank's current Net Margin % is 18.20%, which is 11% above median its own 10-year median of 16.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is West Shore Bank stock overvalued right now?
Based on GuruFocus' analysis, West Shore Bank (WSSH) is currently considered Modestly Overvalued. The stock's GF Value™ is $34.87, compared to a current price of $42.80 — trading 22.7% above its estimated fair value. The current Net Margin % is 18.20%, which is 11% above median its 10-year median of 16.46 and 32.5% below the Banks industry median of 26.95. West Shore Bank's overall GF Score™ is 56/100 with 7 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 West Shore Bank (WSSH), the current Net Margin % is 18.20% 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 West Shore Bank (WSSH) Overvalued in 2026?
Based on GuruFocus' analysis, West Shore Bank stock appears to be overvalued.
The current stock price of $42.80 is trading 22.7% above its estimated GF Value™ of $34.87.
GuruFocus considers West Shore Bank to be Modestly Overvalued.
Key valuation signals for WSSH:
Net Margin %: 18.20% (11% above median its 10-year median of 16.46)
GF Value™: $34.87 vs. price of $42.80 (22.7% above fair value)
Industry Position: 32.5% below the Banks median (#1141 of 1527)
No single metric tells the full story. See the WSSH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
West Shore Bank Corp is a provider of banking and financial service. The banks services include time savings, demand deposits and checking account services; commercial, consumer and mortgage loan services; treasury and cash management services; wealth management and investment services; telephone banking, Internet banking and mobile banking services; safe deposit, and automated transaction machine (ATM/ITM) services, among others.
56GF Score
Get the complete analysis for WSSH
Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
WSSH has been successfully added to your 