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MF Banka ADXBLB:IEFB-R-A Net Margin % is 33.60% as of Dec. 2025, which is 69% above its 10-year median of 19.94. The stock has 2 warning signs investors should review.
Net margin is calculated as Net Income divided by its Revenue. MF Banka AD's Net Income for the
six
months ended in Dec. 2025 was BAM9.08 Mil. MF Banka AD's Revenue for the
six
months ended in Dec. 2025 was BAM27.02 Mil. Therefore, MF Banka AD's net margin for the quarter that ended in Dec. 2025 was 33.60%.
The historical rank and industry rank for MF Banka AD's Net Margin % or its related term are showing as below:
XBLB:IEFB-R-A'
s Net Margin % Range Over the Past 10 Years
Min: 12.78 Med: 19.94 Max: 27.53
Current: 27.53
XBLB:IEFB-R-A's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.87
vs XBLB:IEFB-R-A: 27.53
MF Banka AD (XBLB:IEFB-R-A) 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.
MF Banka AD Net Margin % Related Terms
MF Banka AD Net Margin % Historical Data
* Premium members only.
The historical data trend for MF Banka AD'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.
XBLB:IEFB-R-A vs USB, PNC: Net Margin % Comparison
For the Banks - Regional subindustry, MF Banka AD'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.
MF Banka AD Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MF Banka AD's Net Margin % distribution charts can be found below:
* The bar in red indicates where MF Banka AD'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.
MF Banka AD (XBLB:IEFB-R-A) has a Net Margin % of 33.60% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on MF Banka AD and its competitors. This is 69% above median its historical median of 19.94. Over the past decade, MF Banka AD's Net Margin % has ranged from 12.78 to 27.53.
Is MF Banka AD's Net Margin % too high?
MF Banka AD's current Net Margin % of 33.60% is 69% above median its 10-year median of 19.94. Over the past 10 years, this metric has ranged from a low of 12.78 to a high of 27.53. The Banks industry median Net Margin % is 26.87. MF Banka AD's value of 33.60% is 25% above this industry median.
How does MF Banka AD's Net Margin % compare to USB and PNC?
MF Banka AD's Net Margin % of 33.60% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.87. MF Banka AD's value of 33.60% is 25% above this benchmark. Historically, MF Banka AD's own Net Margin % has ranged from 12.78 to 27.53 over the past decade. While the company's 10-year median is 19.94 vs. the industry median of 26.87, MF Banka AD 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 26.87, 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. MF Banka AD's current Net Margin % of 33.60% is 25% 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 MF Banka AD and its competitors. For the Banks industry, the median Net Margin % is 26.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MF Banka AD's current Net Margin % is 33.60%, which is 69% above median its own 10-year median of 19.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MF Banka AD stock overvalued right now?
MF Banka AD (XBLB:IEFB-R-A) has a current Net Margin % of 33.60%. The stock's GF Value™ is BAM108.56, compared to a current price of BAM174.82 — trading 61% above its estimated fair value. The current Net Margin % is 33.60%, which is 69% above median its 10-year median of 19.94 and 25% above the Banks industry median of 26.87. 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 MF Banka AD (XBLB:IEFB-R-A), the current Net Margin % is 33.60% 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.
MF Banka AD provides is a regional bank engaged in providing banking products and services. The bank is licensed to perform banking activities that include payment transfers, crediting, and depositary operations in the country and abroad. It offers savings products, loans, payment services, deposit and documentary operations services, cards, electronic and mobile banking, SMS, and ATM services. Geographically, it operates in the region of Bosnia and Herzegovina and serves individuals, businesses, and small and medium-sized enterprises.
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