Beacon FinancialBBT +1.62%57 Pretax Margin % is 30.72% as of Mar. 2026, which is 19% below its 10-year median of 37.96. GuruFocus rates BBT with a GF Score™ of 57/100 and a GF Value™ of $24.30 (Modestly Overvalued). The stock has 8 warning signs investors should review. Among 1,530 Banks companies, Beacon Financial ranks worse than 74.38% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
Beacon Financial Pretax Margin % Related Terms
Beacon Financial Pretax Margin % Historical Data
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The historical data trend for Beacon Financial's Pretax 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.
BBT vs FBNC, NBTB, FRME: Pretax Margin % Comparison
For the Banks - Regional subindustry, Beacon Financial's Pretax Margin %, along with its competitors' market caps and Pretax 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.
Beacon Financial Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Beacon Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Beacon Financial's Pretax 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.
Beacon Financial (BBT) has a Pretax Margin % of 30.72% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Beacon Financial and its competitors. This is 19% below median its historical median of 37.96. Over the past decade, Beacon Financial's Pretax Margin % has ranged from 21.80 to 49.97. According to the industry distribution chart, Beacon Financial ranks #1138 out of 1530 companies in the Banks industry, placing it in the top 74.4%.
Is Beacon Financial's Pretax Margin % too high?
Beacon Financial's current Pretax Margin % of 30.72% is 19% below median its 10-year median of 37.96. Over the past 10 years, this metric has ranged from a low of 21.80 to a high of 49.97. The Banks industry median Pretax Margin % is 34.72. Beacon Financial's value of 30.72% is 11.5% below this industry median. Based on the distribution chart, Beacon Financial ranks #1138 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Beacon Financial has a GF Score™ of 57/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Beacon Financial's Pretax Margin % compare to FBNC and NBTB?
According to the Banks industry distribution chart, Beacon Financial ranks #1138 out of 1530 companies for Pretax Margin %. This places Beacon Financial in the lower half of its industry. The industry median Pretax Margin % is 34.72. Beacon Financial's value of 30.72% is 11.5% below this benchmark. Historically, Beacon Financial's own Pretax Margin % has ranged from 21.80 to 49.97 over the past decade. While the company's 10-year median is 37.96 vs. the industry median of 34.72, Beacon Financial 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 Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,530 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Beacon Financial's current Pretax Margin % of 30.72% is 11.5% 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 Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Beacon Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Beacon Financial's current Pretax Margin % is 30.72%, which is 19% below median its own 10-year median of 37.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Beacon Financial stock overvalued right now?
Based on GuruFocus' analysis, Beacon Financial (BBT) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.30, compared to a current price of $31.33 — trading 28.9% above its estimated fair value. The current Pretax Margin % is 30.72%, which is 19% below median its 10-year median of 37.96 and 11.5% below the Banks industry median of 34.72. Beacon Financial's overall GF Score™ is 57/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For Beacon Financial (BBT), the current Pretax Margin % is 30.72% 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 Beacon Financial (BBT) Overvalued in 2026?
Based on GuruFocus' analysis, Beacon Financial stock appears to be overvalued.
The current stock price of $31.33 is trading 28.9% above its estimated GF Value™ of $24.30.
GuruFocus considers Beacon Financial to be Modestly Overvalued.
Key valuation signals for BBT:
Pretax Margin %: 30.72% (19% below median its 10-year median of 37.96)
GF Value™: $24.30 vs. price of $31.33 (28.9% above fair value)
Industry Position: 11.5% below the Banks median (#1138 of 1530)
No single metric tells the full story. See the BBT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Beacon Financial Corp operates as a multi-bank holding company. It offers commercial, business, and retail banking services, including a full complement of cash management products, online banking services, and consumer and residential loans.
57GF Score
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