BH BankXTUN:BH 81 Net Margin % is 7.23% as of Dec. 2024, which is 62% below its 10-year median of 18.97. GuruFocus rates XTUN:BH with a GF Score™ of 81/100 and a GF Value™ of TND13.03 (Modestly Undervalued). The stock has 1 warning sign investors should review. Among 1,526 Banks companies, BH Bank ranks worse than 90.76% on this metric.
Net margin is calculated as Net Income divided by its Revenue. BH Bank's Net Income for the
six
months ended in Dec. 2024 was TND71.0 Mil. BH Bank's Revenue for the
six
months ended in Dec. 2024 was TND981.8 Mil. Therefore, BH Bank's net margin for the quarter that ended in Dec. 2024 was 7.23%.
The historical rank and industry rank for BH Bank's Net Margin % or its related term are showing as below:
XTUN:BH'
s Net Margin % Range Over the Past 10 Years
Min: 7.23 Med: 18.97 Max: 23.7
Current: 7.24
XTUN:BH's Net Margin % is ranked worse than 90.76% of 1526
companies
in the Banks industry
Industry Median: 26.97
vs XTUN:BH: 7.24
BH Bank (XTUN:BH) 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.
BH Bank Net Margin % Related Terms
BH Bank Net Margin % Historical Data
* Premium members only.
The historical data trend for BH 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.
For the Banks - Regional subindustry, BH 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.
BH Bank Net Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BH Bank's Net Margin % distribution charts can be found below:
* The bar in red indicates where BH 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.
BH Bank (XTUN:BH) has a Net Margin % of 7.23% as of Dec. 2024. Net margin is the ratio of total net income to net sales. View historical data on BH Bank and its competitors. This is 62% below median its historical median of 18.97. Over the past decade, BH Bank's Net Margin % has ranged from 7.23 to 23.70. According to the industry distribution chart, BH Bank ranks #1385 out of 1526 companies in the Banks industry, placing it in the top 90.8%.
Is BH Bank's Net Margin % too high?
BH Bank's current Net Margin % of 7.23% is 62% below median its 10-year median of 18.97. Over the past 10 years, this metric has ranged from a low of 7.23 to a high of 23.70. The Banks industry median Net Margin % is 26.97. BH Bank's value of 7.23% is 73.2% below this industry median. Based on the distribution chart, BH Bank ranks #1385 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, BH Bank has a GF Score™ of 81/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does BH Bank's Net Margin % compare to PNC and USB?
According to the Banks industry distribution chart, BH Bank ranks #1385 out of 1526 companies for Net Margin %. This places BH Bank in the lower half of its industry. The industry median Net Margin % is 26.97. BH Bank's value of 7.23% is 73.2% below this benchmark. Historically, BH Bank's own Net Margin % has ranged from 7.23 to 23.70 over the past decade. While the company's 10-year median is 18.97 vs. the industry median of 26.97, BH 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 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. BH Bank's current Net Margin % of 7.23% is 73.2% 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 BH 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. BH Bank's current Net Margin % is 7.23%, which is 62% below median its own 10-year median of 18.97. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BH Bank stock overvalued right now?
Based on GuruFocus' analysis, BH Bank (XTUN:BH) is currently considered Modestly Undervalued. The stock's GF Value™ is TND13.03, compared to a current price of TND10.20 — trading 21.7% below its estimated fair value. The current Net Margin % is 7.23%, which is 62% below median its 10-year median of 18.97 and 73.2% below the Banks industry median of 26.97. BH Bank's overall GF Score™ is 81/100 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 BH Bank (XTUN:BH), the current Net Margin % is 7.23% as of Dec. 2024. 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 BH Bank (XTUN:BH) Overvalued in 2026?
Based on GuruFocus' analysis, BH Bank stock appears to be undervalued.
The current stock price of TND10.20 is trading 21.7% below its estimated GF Value™ of TND13.03.
GuruFocus considers BH Bank to be Modestly Undervalued.
Key valuation signals for XTUN:BH:
Net Margin %: 7.23% (62% below median its 10-year median of 18.97)
GF Value™: TND13.03 vs. price of TND10.20 (21.7% below fair value)
Industry Position: 73.2% below the Banks median (#1385 of 1526)
No single metric tells the full story. See the XTUN:BH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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