SCYT (Security Bancorp) Pre-Tax Income: $4.10 Mil (TTM As of Dec. 2025)

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SCYT Security Bancorp Inc SCYT
55 GF Score
Price $120.51
GF Value $90.15
Valuation Significantly Overvalued
! 5 Warning Signs
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What is Security Bancorp Pre-Tax Income?

Security Bancorp SCYT 55 Pre-Tax Income is $4.10 Mil as of Dec. 2025. GuruFocus rates SCYT with a GF Score™ of 55/100 and a GF Value™ of $90.15 (Significantly Overvalued). The stock has 5 warning signs investors should review.

Pretax income is the income that a company earns before paying income taxes. Security Bancorp's pretax income for the three months ended in Dec. 2025 was $1.95 Mil. Its pretax income for the trailing twelve months (TTM) ended in Dec. 2025 was $4.10 Mil. Security Bancorp's pretax margin was 46.97%.

During the past 11 years, Security Bancorp's highest Pretax Margin was 48.77%. The lowest was 7.26%. And the median was 35.91%.


Security Bancorp  (OTCPK:SCYT) Pre-Tax Income Explanation

Security Bancorp's Pretax Margin for the quarter that ended in Dec. 2025 is calculated as

Pretax Margin=Pretax Income/Revenue
=1.949081/4.149821
=46.97%

During the past 11 years, Security Bancorp's highest Pretax Margin was 48.77%. The lowest was 7.26%. And the median was 35.91%.

* 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.


Security Bancorp Pre-Tax Income Related Terms


Security Bancorp Pre-Tax Income Historical Data

* Premium members only.

The historical data trend for Security Bancorp's Pre-Tax Income 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.

Security Bancorp Pre-Tax Income Chart

Security Bancorp Annual Data
Trend Dec00 Dec01 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Pre-Tax Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only 3.56 4.09 4.40 5.45 6.94

Security Bancorp Quarterly Data
Dec99 Jun00 Dec00 Jun01 Dec01 Jun02 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25 Jun26
Pre-Tax Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 1.15 1.11 1.49 1.95 2.18

SCYT vs ESBS, SSBP, HCBC: Pre-Tax Income Comparison

For the Banks - Regional subindustry, Security Bancorp's Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income 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.


Security Bancorp Pre-Tax Income vs Banks Industry

For the Banks industry and Financial Services sector, Security Bancorp's Pre-Tax Income distribution charts can be found below:

* The bar in red indicates where Security Bancorp's Pre-Tax Income falls into.


SCYT
55GF Score
Security Bancorp Inc SCYT
Pre-Tax Income is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Security Bancorp Pre-Tax Income Calculation

This is the income that a company earns before paying income taxes.

Security Bancorp's Pretax Income for the fiscal year that ended in Dec. 2025 is calculated as

Pretax Income=Operating Income+Other
=6.91178+0.025301
=6.94

Security Bancorp's Pretax Income for the quarter that ended in Dec. 2025 is calculated as

Pretax Income=Operating Income+Other
=1.949081+0
=1.95

Pre-Tax Income for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $4.10 Mil.

* 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 Pre-Tax Income →
What does a Pre-Tax Income of $4.10 Mil mean?
Security Bancorp (SCYT) has a Pre-Tax Income of $4.10 Mil as of Dec. 2025. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Security Bancorp and its competitors.
Is Security Bancorp's Pre-Tax Income too high?
Security Bancorp's current Pre-Tax Income is $4.10 Mil. Overall, Security Bancorp has a GF Score™ of 55/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Security Bancorp's Pre-Tax Income compare to ESBS and SSBP?
Security Bancorp's Pre-Tax Income of $4.10 Mil can be compared against companies in the Banks industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pre-Tax Income for a Banks company?
A good Pre-Tax Income depends on the Banks industry context. However, Pre-Tax Income 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 Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on Security Bancorp and its competitors. Security Bancorp's current Pre-Tax Income is $4.10 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Security Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Security Bancorp (SCYT) is currently considered Significantly Overvalued. The stock's GF Value™ is $90.15, compared to a current price of $120.51 — trading 33.7% above its estimated fair value. The current Pre-Tax Income is $4.10 Mil. Security Bancorp's overall GF Score™ is 55/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For Security Bancorp (SCYT), the current Pre-Tax Income is $4.10 Mil 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 Security Bancorp (SCYT) Overvalued in 2026?

Based on GuruFocus' analysis, Security Bancorp stock appears to be overvalued. The current stock price of $120.51 is trading 33.7% above its estimated GF Value™ of $90.15. GuruFocus considers Security Bancorp to be Significantly Overvalued.

Key valuation signals for SCYT:

  • Pre-Tax Income: $4.10 Mil
  • GF Value™: $90.15 vs. price of $120.51 (33.7% above fair value)
  • GF Score™: 55/100 with 5 warning signs

No single metric tells the full story. See the SCYT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Security Bancorp Business Description

Address 306 West Main Street, Mcminnville, TN, USA, 37110
Security Bancorp Inc is a bank holding company. The company is a community-oriented financial institution organized to address the needs of McMinnville and Warren County. It is engaged in attracting deposits from the general public and using those funds to originate one to four-family mortgage loans. Its services include mobile banking, online banking, personal checking, business checking, savings accounts, CD's, and telephone banking.
55GF Score

Get the complete analysis for SCYT

Pre-Tax Income is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$120.51
Price
$90.15
GF Value