NLB Banka ad (XBLB:VBBB-R-A) Net Margin %: 46.46% (As of Dec. 2025) — Near Median

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What is NLB Banka ad Net Margin %?

NLB Banka ad XBLB:VBBB-R-A Net Margin % is 46.46% as of Dec. 2025, which is 9% below its 10-year median of 51.21. The stock has 4 warning signs investors should review.

Net margin is calculated as Net Income divided by its Revenue. NLB Banka ad's Net Income for the six months ended in Dec. 2025 was BAM27.4 Mil. NLB Banka ad's Revenue for the six months ended in Dec. 2025 was BAM58.9 Mil. Therefore, NLB Banka ad's net margin for the quarter that ended in Dec. 2025 was 46.46%.

The historical rank and industry rank for NLB Banka ad's Net Margin % or its related term are showing as below:

XBLB:VBBB-R-A' s Net Margin % Range Over the Past 10 Years
Min: 37.97   Med: 51.21   Max: 81.6
Current: 50.25

XBLB:VBBB-R-A's Net Margin % is not ranked
in the Banks industry.
Industry Median: 26.87 vs XBLB:VBBB-R-A: 50.25

NLB Banka ad  (XBLB:VBBB-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.

NLB Banka ad Net Margin % Related Terms

NLB Banka ad Net Margin % Historical Data

* Premium members only.

The historical data trend for NLB 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.

NLB Banka ad Net Margin % Chart

NLB Banka ad Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 57.94 49.97 51.43 50.98 50.25

NLB Banka ad Semi-Annual Data
Jun16 Dec16 Jun17 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
Net Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 42.84 57.63 44.64 54.28 46.46

NLB Banka ad Net Margin % Competitor Comparison

For the Banks - Regional subindustry, NLB 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.

NLB Banka ad Net Margin % vs Banks Industry

For the Banks industry and Financial Services sector, NLB Banka ad's Net Margin % distribution charts can be found below:

* The bar in red indicates where NLB Banka ad's Net Margin % falls into.


NLB Banka ad Net Margin % Calculation

Net margin - also known as net profit margin is the ratio of Net Income divided by net sales or Revenue, usually presented in percent.

NLB Banka ad's Net Margin for the fiscal year that ended in Dec. 2025 is calculated as

Net Margin=Net Income (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=57.346/114.129
=50.25 %

NLB Banka ad's Net Margin for the quarter that ended in Dec. 2025 is calculated as

Net Margin=Net Income (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=27.371/58.91
=46.46 %

* 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.

Frequently Asked Questions Learn more about Net Margin % →
What does a Net Margin % of 46.46% mean?
NLB Banka ad (XBLB:VBBB-R-A) has a Net Margin % of 46.46% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on NLB Banka ad and its competitors. This is near median its historical median of 51.21. Over the past decade, NLB Banka ad's Net Margin % has ranged from 37.97 to 81.60.
Is NLB Banka ad's Net Margin % too high?
NLB Banka ad's current Net Margin % of 46.46% is near median its 10-year median of 51.21. Over the past 10 years, this metric has ranged from a low of 37.97 to a high of 81.60. The Banks industry median Net Margin % is 26.87. NLB Banka ad's value of 46.46% is 72.9% above this industry median.
How does NLB Banka ad's Net Margin % compare to competitors?
NLB Banka ad's Net Margin % of 46.46% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.87. NLB Banka ad's value of 46.46% is 72.9% above this benchmark. Historically, NLB Banka ad's own Net Margin % has ranged from 37.97 to 81.60 over the past decade. While the company's 10-year median is 51.21 vs. the industry median of 26.87, NLB 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. NLB Banka ad's current Net Margin % of 46.46% is 72.9% 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 NLB 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. NLB Banka ad's current Net Margin % is 46.46%, which is near median its own 10-year median of 51.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka ad stock overvalued right now?
NLB Banka ad (XBLB:VBBB-R-A) has a current Net Margin % of 46.46%. The stock's GF Value™ is BAM2,109.54, compared to a current price of BAM6,000.00 — trading 184.4% above its estimated fair value. The current Net Margin % is 46.46%, which is near median its 10-year median of 51.21 and 72.9% 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 NLB Banka ad (XBLB:VBBB-R-A), the current Net Margin % is 46.46% 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.

NLB Banka ad Business Description

Address Milan Tepic 4, Banja Luka, BIH, 78000
NLB Banka ad is a banking service provider that operates in Bosnia and Herzegovina. The company is engaged in offering services like retail banking which include retail banking business with private individuals, corporate banking, and financial markets.