What is CB Central Cooperative Bank AD Net Margin %?
CB Central Cooperative Bank ADXBUL:CCB 55 Net Margin % is 23.50% as of Dec. 2025, which is 24% above its 10-year median of 18.94. GuruFocus rates XBUL:CCB with a GF Score™ of 55/100 and a GF Value™ of €1.89 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,530 Banks companies, CB Central Cooperative Bank AD ranks better than 61.76% on this metric.
The historical rank and industry rank for CB Central Cooperative Bank AD's Net Margin % or its related term are showing as below:
XBUL:CCB'
s Net Margin % Range Over the Past 10 Years
Min: 12.54 Med: 18.94 Max: 32.94
Current: 30.37
XBUL:CCB's Net Margin % is ranked better than 61.76% of 1530
companies
in the Banks industry
Industry Median: 26.845
vs XBUL:CCB: 30.37
CB Central Cooperative Bank AD (XBUL:CCB) 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.
CB Central Cooperative Bank AD Net Margin % Related Terms
CB Central Cooperative Bank AD Net Margin % Historical Data
* 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, CB Central Cooperative Bank 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.
CB Central Cooperative Bank AD Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CB Central Cooperative Bank AD's Net Margin % distribution charts can be found below:
* The bar in red indicates where CB Central Cooperative Bank 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.
CB Central Cooperative Bank AD (XBUL:CCB) has a Net Margin % of 23.50% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on CB Central Cooperative Bank AD and its competitors. This is 24% above median its historical median of 18.94. Over the past decade, CB Central Cooperative Bank AD's Net Margin % has ranged from 12.54 to 32.94. According to the industry distribution chart, CB Central Cooperative Bank AD ranks #585 out of 1530 companies in the Banks industry, placing it in the top 38.2%.
Is CB Central Cooperative Bank AD's Net Margin % too high?
CB Central Cooperative Bank AD's current Net Margin % of 23.50% is 24% above median its 10-year median of 18.94. Over the past 10 years, this metric has ranged from a low of 12.54 to a high of 32.94. The Banks industry median Net Margin % is 26.85. CB Central Cooperative Bank AD's value of 23.50% is 12.5% below this industry median. Based on the distribution chart, CB Central Cooperative Bank AD ranks #585 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, CB Central Cooperative Bank AD has a GF Score™ of 55/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does CB Central Cooperative Bank AD's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, CB Central Cooperative Bank AD ranks #585 out of 1530 companies for Net Margin %. This puts CB Central Cooperative Bank AD in the upper half of its industry. The industry median Net Margin % is 26.85. CB Central Cooperative Bank AD's value of 23.50% is 12.5% below this benchmark. Historically, CB Central Cooperative Bank AD's own Net Margin % has ranged from 12.54 to 32.94 over the past decade. While the company's 10-year median is 18.94 vs. the industry median of 26.85, CB Central Cooperative Bank AD 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 26.85, based on 1,530 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. CB Central Cooperative Bank AD's current Net Margin % of 23.50% is 12.5% 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 CB Central Cooperative Bank AD and its competitors. For the Banks industry, the median Net Margin % is 26.85 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CB Central Cooperative Bank AD's current Net Margin % is 23.50%, which is 24% above median its own 10-year median of 18.94. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CB Central Cooperative Bank AD stock overvalued right now?
Based on GuruFocus' analysis, CB Central Cooperative Bank AD (XBUL:CCB) is currently considered Modestly Undervalued. The stock's GF Value™ is €1.89, compared to a current price of €1.63 — trading 13.8% below its estimated fair value. The current Net Margin % is 23.50%, which is 24% above median its 10-year median of 18.94 and 12.5% below the Banks industry median of 26.85. CB Central Cooperative Bank AD's overall GF Score™ is 55/100 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 CB Central Cooperative Bank AD (XBUL:CCB), the current Net Margin % is 23.50% 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 CB Central Cooperative Bank AD (XBUL:CCB) Overvalued in 2026?
Based on GuruFocus' analysis, CB Central Cooperative Bank AD stock appears to be undervalued.
The current stock price of €1.63 is trading 13.8% below its estimated GF Value™ of €1.89.
GuruFocus considers CB Central Cooperative Bank AD to be Modestly Undervalued.
Key valuation signals for XBUL:CCB:
Net Margin %: 23.50% (24% above median its 10-year median of 18.94)
GF Value™: €1.89 vs. price of €1.63 (13.8% below fair value)
Industry Position: 12.5% below the Banks median (#585 of 1530)
No single metric tells the full story. See the XBUL:CCB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CB Central Cooperative Bank AD Business Description
CB Central Cooperative Bank AD is a universal commercial bank. The Bank comprises several products and services in the field of financial intermediation, with an emphasis on SME lending and retail banking. As a universal commercial bank, the company offers an array of financial products and services. The bank is a primary dealer of government securities on the Bulgarian domestic market.
55GF Score
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