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Palestine Islamic BankXPAE:ISBK 54 Net Margin % is 10.27% as of Mar. 2026, which is 58% below its 10-year median of 24.38. GuruFocus rates XPAE:ISBK with a GF Score™ of 54/100 and a GF Value™ of $1.20 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, Palestine Islamic Bank ranks worse than 91.28% on this metric.
Palestine Islamic Bank (XPAE:ISBK) 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.
Palestine Islamic Bank Net Margin % Related Terms
Palestine Islamic Bank 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, Palestine Islamic 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.
Palestine Islamic Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Palestine Islamic Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where Palestine Islamic 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.
Palestine Islamic Bank (XPAE:ISBK) has a Net Margin % of 10.27% as of Mar. 2026. Net margin is the ratio of total net income to net sales. View historical data on Palestine Islamic Bank and its competitors. This is 58% below median its historical median of 24.38. Over the past decade, Palestine Islamic Bank's Net Margin % has ranged from 1.58 to 30.56. According to the industry distribution chart, Palestine Islamic Bank ranks #1393 out of 1526 companies in the Banks industry, placing it in the top 91.3%.
Is Palestine Islamic Bank's Net Margin % too high?
Palestine Islamic Bank's current Net Margin % of 10.27% is 58% below median its 10-year median of 24.38. Over the past 10 years, this metric has ranged from a low of 1.58 to a high of 30.56. The Banks industry median Net Margin % is 27.10. Palestine Islamic Bank's value of 10.27% is 62.1% below this industry median. Based on the distribution chart, Palestine Islamic Bank ranks #1393 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Palestine Islamic Bank has a GF Score™ of 54/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Palestine Islamic Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, Palestine Islamic Bank ranks #1393 out of 1526 companies for Net Margin %. This places Palestine Islamic Bank in the lower half of its industry. The industry median Net Margin % is 27.10. Palestine Islamic Bank's value of 10.27% is 62.1% below this benchmark. Historically, Palestine Islamic Bank's own Net Margin % has ranged from 1.58 to 30.56 over the past decade. While the company's 10-year median is 24.38 vs. the industry median of 27.10, Palestine Islamic Bank 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 27.10, 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. Palestine Islamic Bank's current Net Margin % of 10.27% is 62.1% 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 Palestine Islamic Bank and its competitors. For the Banks industry, the median Net Margin % is 27.10 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Palestine Islamic Bank's current Net Margin % is 10.27%, which is 58% below median its own 10-year median of 24.38. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Palestine Islamic Bank stock overvalued right now?
Based on GuruFocus' analysis, Palestine Islamic Bank (XPAE:ISBK) is currently considered Fairly Valued. The stock's GF Value™ is $1.20, compared to a current price of $1.24 — trading 3.3% above its estimated fair value. The current Net Margin % is 10.27%, which is 58% below median its 10-year median of 24.38 and 62.1% below the Banks industry median of 27.10. Palestine Islamic Bank's overall GF Score™ is 54/100 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 Palestine Islamic Bank (XPAE:ISBK), the current Net Margin % is 10.27% as of Mar. 2026. 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 Palestine Islamic Bank (XPAE:ISBK) Overvalued in 2026?
Based on GuruFocus' analysis, Palestine Islamic Bank stock appears to be overvalued.
The current stock price of $1.24 is trading 3.3% above its estimated GF Value™ of $1.20.
GuruFocus considers Palestine Islamic Bank to be Fairly Valued.
Key valuation signals for XPAE:ISBK:
Net Margin %: 10.27% (58% below median its 10-year median of 24.38)
GF Value™: $1.20 vs. price of $1.24 (3.3% above fair value)
Industry Position: 62.1% below the Banks median (#1393 of 1526)
No single metric tells the full story. See the XPAE:ISBK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Palestine Islamic Bank offers personal, business, and investment banking products and services to customers in Palestine. It is engaged in baking, finance, commercial and investment services in accordance with the provisions of Islamic Sharia.
54GF Score
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