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NLB Banka a.d. Skopje (XMAE:TNB) 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 a.d. Skopje Net Margin % Related Terms
NLB Banka a.d. Skopje Net Margin % Historical Data
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The historical data trend for NLB Banka a.d. Skopje'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.
For the Banks - Regional subindustry, NLB Banka a.d. Skopje'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 a.d. Skopje Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NLB Banka a.d. Skopje's Net Margin % distribution charts can be found below:
* The bar in red indicates where NLB Banka a.d. Skopje'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.
NLB Banka a.d. Skopje (XMAE:TNB) has a Net Margin % of 0.00% as of Dec. 2025. Net margin is the ratio of total net income to net sales. View historical data on NLB Banka a.d. Skopje and its competitors. Over the past decade, NLB Banka a.d. Skopje's Net Margin % has ranged from 29.81 to 69.62. According to the industry distribution chart, NLB Banka a.d. Skopje ranks #92 out of 1525 companies in the Banks industry, placing it in the top 6%.
Is NLB Banka a.d. Skopje's Net Margin % too high?
NLB Banka a.d. Skopje's current Net Margin % is 0.00%. Over the past 10 years, this metric has ranged from a low of 29.81 to a high of 69.62. Based on the distribution chart, NLB Banka a.d. Skopje ranks #92 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, NLB Banka a.d. Skopje has a GF Score™ of 33/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does NLB Banka a.d. Skopje's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, NLB Banka a.d. Skopje ranks #92 out of 1525 companies for Net Margin %. This places NLB Banka a.d. Skopje in the top 6% of its industry — outperforming the majority of peers. The industry median Net Margin % is 27.19. Historically, NLB Banka a.d. Skopje's own Net Margin % has ranged from 29.81 to 69.62 over the past decade. 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 27.19, based on 1,525 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. 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 a.d. Skopje and its competitors. For the Banks industry, the median Net Margin % is 27.19 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NLB Banka a.d. Skopje's current Net Margin % is 0.00%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NLB Banka a.d. Skopje stock overvalued right now?
Based on GuruFocus' analysis, NLB Banka a.d. Skopje (XMAE:TNB) is currently considered Fairly Valued. The stock's GF Value™ is MKD54,720.76, compared to a current price of MKD52,500.00 — trading 4.1% below its estimated fair value. The current Net Margin % is 0.00%. NLB Banka a.d. Skopje's overall GF Score™ is 33/100 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 NLB Banka a.d. Skopje (XMAE:TNB), the current Net Margin % is 0.00% 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 NLB Banka a.d. Skopje (XMAE:TNB) Overvalued in 2026?
Based on GuruFocus' analysis, NLB Banka a.d. Skopje stock appears to be undervalued.
The current stock price of MKD52,500.00 is trading 4.1% below its estimated GF Value™ of MKD54,720.76.
GuruFocus considers NLB Banka a.d. Skopje to be Fairly Valued.
Key valuation signals for XMAE:TNB:
Net Margin %: 0.00%
GF Value™: MKD54,720.76 vs. price of MKD52,500.00 (4.1% below fair value)
No single metric tells the full story. See the XMAE:TNB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NLB Banka a.d. Skopje is a bank in the Republic of Macedonia. It provides general banking services like accepting deposits, granting loans and advances, foreign exchange, asset management, retail banking services, brokerage services, custody services, and many others. The bank operates in the Republic of Macedonia, EU countries, Non-EU countries in Europe, and other countries.
33GF Score
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