Trust Bank (XGHA:TBL) Net Margin %: 25.31% (As of Dec. 2023)


XGHA:TBL Trust Bank Ltd XGHA:TBL
13 GF Score
Price GHS1.20
View Full Analysis

What is Trust Bank Net Margin %?

Trust Bank XGHA:TBL 13 Net Margin % is 25.31% as of Dec. 2023. GuruFocus rates XGHA:TBL with a GF Score™ of 13/100.

Net margin is calculated as Net Income divided by its Revenue. Trust Bank's Net Income for the six months ended in Dec. 2023 was GHS39.5 Mil. Trust Bank's Revenue for the six months ended in Dec. 2023 was GHS156.1 Mil. Therefore, Trust Bank's net margin for the quarter that ended in Dec. 2023 was 25.31%.

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


XGHA:TBL's Net Margin % is not ranked *
in the Banks industry.
Industry Median: 26.95
* Ranked among companies with meaningful Net Margin % only.

Trust Bank  (XGHA:TBL) 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.

Trust Bank Net Margin % Related Terms

Trust Bank Net Margin % Historical Data

* Premium members only.

The historical data trend for Trust 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.

Trust Bank Net Margin % Chart

Trust Bank Annual Data
Trend Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
Net Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 16.92 17.79 22.69 26.10 25.31

Trust Bank Semi-Annual Data
Dec10 Dec11 Dec12 Dec13 Dec14 Dec15 Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23
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 16.92 17.79 22.69 26.10 25.31

XGHA:TBL vs PNC, USB, NU: Net Margin % Comparison

For the Banks - Regional subindustry, Trust 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.

Trust Bank Net Margin % vs Banks Industry

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

* The bar in red indicates where Trust Bank's Net Margin % falls into.


XGHA:TBL
13GF Score
Trust Bank Ltd XGHA:TBL
Net Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Trust Bank 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.

Trust Bank's Net Margin for the fiscal year that ended in Dec. 2023 is calculated as

Net Margin=Net Income (A: Dec. 2023 )/Revenue (A: Dec. 2023 )
=39.524/156.141
=25.31 %

Trust Bank's Net Margin for the quarter that ended in Dec. 2023 is calculated as

Net Margin=Net Income (Q: Dec. 2023 )/Revenue (Q: Dec. 2023 )
=39.524/156.141
=25.31 %

* 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 25.31% mean?
Trust Bank (XGHA:TBL) has a Net Margin % of 25.31% as of Dec. 2023. Net margin is the ratio of total net income to net sales. View historical data on Trust Bank and its competitors.
Is Trust Bank's Net Margin % too high?
Trust Bank's current Net Margin % is 25.31%. The Banks industry median Net Margin % is 26.95. Trust Bank's value of 25.31% is 6.1% below this industry median. Overall, Trust Bank has a GF Score™ of 13/100, reflecting its overall financial health beyond just this single metric.
How does Trust Bank's Net Margin % compare to PNC and USB?
Trust Bank's Net Margin % of 25.31% can be compared against companies in the Banks industry. The industry median Net Margin % is 26.95. Trust Bank's value of 25.31% is 6.1% below this benchmark. 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 26.95, 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. Trust Bank's current Net Margin % of 25.31% is 6.1% 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 Trust Bank and its competitors. For the Banks industry, the median Net Margin % is 26.95 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Trust Bank's current Net Margin % is 25.31%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Trust Bank stock overvalued right now?
Trust Bank (XGHA:TBL) has a current Net Margin % of 25.31%. The current Net Margin % is 25.31% and 6.1% below the Banks industry median of 26.95. Trust Bank's overall GF Score™ is 13/100. 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 Trust Bank (XGHA:TBL), the current Net Margin % is 25.31% as of Dec. 2023. 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.

Trust Bank Business Description

Address 3-4 Ecowas Avenue, P.O. Box 1018, Banjul, GMB
Trust Bank Ltd is engaged in providing commercial banking services. Its activities include receiving deposits, provision of loans, a system of payments and clearing, dealing in financial instruments of the money market, foreign currencies exchange services, providing banking information, performing mortgage activities and others. The company's only reportable segment is the provision of banking and related services.
13GF Score

Get the complete analysis for XGHA:TBL

Net Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

GHS1.20
Price