First Atlantic BankXGHA:FAB 24 Net Margin % is 37.34% as of Dec. 2025, which is 8% above its 10-year median of 34.44. GuruFocus rates XGHA:FAB with a GF Score™ of 24/100. Among 1,526 Banks companies, First Atlantic Bank ranks better than 79.82% on this metric.
The historical rank and industry rank for First Atlantic Bank's Net Margin % or its related term are showing as below:
XGHA:FAB'
s Net Margin % Range Over the Past 10 Years
Min: 31.54 Med: 34.44 Max: 37.34
Current: 37.34
XGHA:FAB's Net Margin % is ranked better than 79.82% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs XGHA:FAB: 37.34
First Atlantic Bank (XGHA:FAB) 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.
First Atlantic Bank Net Margin % Related Terms
First Atlantic Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for First Atlantic 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.
First Atlantic Bank Net Margin % Chart
First Atlantic Bank Annual Data
Trend
Dec24
Dec25
Net Margin %
31.54
37.34
First Atlantic Bank Semi-Annual Data
Dec24
Dec25
Net Margin %
31.54
37.34
XGHA:FAB vs PNC: Net Margin % Comparison
For the Banks - Regional subindustry, First Atlantic 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.
First Atlantic Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Atlantic Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where First Atlantic 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.
First Atlantic Bank (XGHA:FAB) has a Net Margin % of 37.34% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on First Atlantic Bank and its competitors. This is near median its historical median of 34.44. Over the past decade, First Atlantic Bank's Net Margin % has ranged from 31.54 to 37.34. According to the industry distribution chart, First Atlantic Bank ranks #308 out of 1526 companies in the Banks industry, placing it in the top 20.2%.
Is First Atlantic Bank's Net Margin % too high?
First Atlantic Bank's current Net Margin % of 37.34% is near median its 10-year median of 34.44. Over the past 10 years, this metric has ranged from a low of 31.54 to a high of 37.34. The Banks industry median Net Margin % is 26.97. First Atlantic Bank's value of 37.34% is 38.5% above this industry median. Based on the distribution chart, First Atlantic Bank ranks #308 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Atlantic Bank has a GF Score™ of 24/100, reflecting its overall financial health beyond just this single metric.
How does First Atlantic Bank's Net Margin % compare to PNC?
According to the Banks industry distribution chart, First Atlantic Bank ranks #308 out of 1526 companies for Net Margin %. This places First Atlantic Bank in the top 20% of its industry — outperforming the majority of peers. The industry median Net Margin % is 26.97. First Atlantic Bank's value of 37.34% is 38.5% above this benchmark. Historically, First Atlantic Bank's own Net Margin % has ranged from 31.54 to 37.34 over the past decade. While the company's 10-year median is 34.44 vs. the industry median of 26.97, First Atlantic Bank 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 26.97, based on 1,526 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. First Atlantic Bank's current Net Margin % of 37.34% is 38.5% 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 First Atlantic Bank and its competitors. For the Banks industry, the median Net Margin % is 26.97 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Atlantic Bank's current Net Margin % is 37.34%, which is near median its own 10-year median of 34.44. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Atlantic Bank stock overvalued right now?
First Atlantic Bank (XGHA:FAB) has a current Net Margin % of 37.34%. The current Net Margin % is 37.34%, which is near median its 10-year median of 34.44 and 38.5% above the Banks industry median of 26.97. First Atlantic Bank's overall GF Score™ is 24/100. 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 First Atlantic Bank (XGHA:FAB), the current Net Margin % is 37.34% 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.
First Atlantic Bank PLC is engaged in providing banking services that include personal banking, corporate banking, digital banking, prestige banking, and others. The Group's portfolio consists of loans and investments segmented across five main portfolios: Corporate Loans, Retail Loans, Retail Controller Loans, SME loans & Investments. The Group comprises the following main business segments: Corporate Banking, Retail and business banking, and Global markets. It generates majority of its income from Global markets segment which undertake the Group's funding and risk management activities through borrowings, issues of debt securities and investing in liquid assets such as short-term placements and corporate and government debt securities.
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