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WTB Financial AWTBFB +0.30%66 Net Margin % is 27.89% as of Mar. 2026, which is 24% above its 10-year median of 22.48. GuruFocus rates WTBFB with a GF Score™ of 66/100 and a GF Value™ of $380.20 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,527 Banks companies, WTB Financial A ranks worse than 57.11% on this metric.
Net margin is calculated as Net Income divided by its Revenue. WTB Financial A's Net Income for the
three
months ended in Mar. 2026 was $32.2 Mil. WTB Financial A's Revenue for the
three
months ended in Mar. 2026 was $115.6 Mil. Therefore, WTB Financial A's net margin for the quarter that ended in Mar. 2026 was 27.89%.
The historical rank and industry rank for WTB Financial A's Net Margin % or its related term are showing as below:
WTBFB'
s Net Margin % Range Over the Past 10 Years
Min: 15.76 Med: 22.48 Max: 29.91
Current: 24.7
WTBFB's Net Margin % is ranked worse than 57.11% of 1527
companies
in the Banks industry
Industry Median: 27.06
vs WTBFB: 24.70
WTB Financial A (OTCPK:WTBFB) 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.
WTB Financial A Net Margin % Related Terms
WTB Financial A Net Margin % Historical Data
* Premium members only.
The historical data trend for WTB Financial A'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, WTB Financial A'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.
WTB Financial A Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, WTB Financial A's Net Margin % distribution charts can be found below:
* The bar in red indicates where WTB Financial A'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.
WTB Financial A (WTBFB) has a Net Margin % of 27.89% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on WTB Financial A and its competitors. This is 24% above median its historical median of 22.48. Over the past decade, WTB Financial A's Net Margin % has ranged from 15.76 to 29.91. According to the industry distribution chart, WTB Financial A ranks #872 out of 1527 companies in the Banks industry, placing it in the top 57.1%.
Is WTB Financial A's Net Margin % too high?
WTB Financial A's current Net Margin % of 27.89% is 24% above median its 10-year median of 22.48. Over the past 10 years, this metric has ranged from a low of 15.76 to a high of 29.91. The Banks industry median Net Margin % is 27.06. WTB Financial A's value of 27.89% is 3.1% above this industry median. Based on the distribution chart, WTB Financial A ranks #872 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, WTB Financial A has a GF Score™ of 66/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does WTB Financial A's Net Margin % compare to MBWM and CPF?
According to the Banks industry distribution chart, WTB Financial A ranks #872 out of 1527 companies for Net Margin %. This places WTB Financial A in the lower half of its industry. The industry median Net Margin % is 27.06. WTB Financial A's value of 27.89% is 3.1% above this benchmark. Historically, WTB Financial A's own Net Margin % has ranged from 15.76 to 29.91 over the past decade. While the company's 10-year median is 22.48 vs. the industry median of 27.06, WTB Financial A 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 27.06, 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. WTB Financial A's current Net Margin % of 27.89% is 3.1% 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 WTB Financial A and its competitors. For the Banks industry, the median Net Margin % is 27.06 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. WTB Financial A's current Net Margin % is 27.89%, which is 24% above median its own 10-year median of 22.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is WTB Financial A stock overvalued right now?
Based on GuruFocus' analysis, WTB Financial A (WTBFB) is currently considered Fairly Valued. The stock's GF Value™ is $380.20, compared to a current price of $413.32 — trading 8.7% above its estimated fair value. The current Net Margin % is 27.89%, which is 24% above median its 10-year median of 22.48 and 3.1% above the Banks industry median of 27.06. WTB Financial A's overall GF Score™ is 66/100 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 WTB Financial A (WTBFB), the current Net Margin % is 27.89% 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 WTB Financial A (WTBFB) Overvalued in 2026?
Based on GuruFocus' analysis, WTB Financial A stock appears to be overvalued.
The current stock price of $413.32 is trading 8.7% above its estimated GF Value™ of $380.20.
GuruFocus considers WTB Financial A to be Fairly Valued.
Key valuation signals for WTBFB:
Net Margin %: 27.89% (24% above median its 10-year median of 22.48)
GF Value™: $380.20 vs. price of $413.32 (8.7% above fair value)
Industry Position: 3.1% above the Banks median (#872 of 1527)
No single metric tells the full story. See the WTBFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
WTB Financial A operates as a bank holding company of Washington Trust Bank. The company is engaged in the business of financial services in Washington, Idaho and Oregon. It also provides a wide range of banking, fiduciary, asset management, mortgage banking, and other financial services to corporate and individual customers. Its loan segments consist of the following disaggregation of loan types. Commercial and industrial loans are segmented into seven pools, including commercial taxable loans, commercial tax-exempt loans, commercial lines of credit, other commercial loans, commercial credit card loans, small business administration loans, and overdrafts.
66GF Score
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