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BEO Bancorp ORBEOB 72 Pretax Margin % is 40.12% as of Dec. 2025, which is 55% above its 10-year median of 25.82. GuruFocus rates BEOB with a GF Score™ of 72/100 and a GF Value™ of $48.11 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,520 Banks companies, BEO Bancorp OR ranks better than 61.32% on this metric.
BEO Bancorp OR (OTCPK:BEOB) Pretax Margin % Explanation
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.
BEO Bancorp OR Pretax Margin % Related Terms
BEO Bancorp OR Pretax Margin % Historical Data
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The historical data trend for BEO Bancorp OR'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.
BEOB vs ENBP, NODB, EMYB: Pretax Margin % Comparison
For the Banks - Regional subindustry, BEO Bancorp OR'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.
BEO Bancorp OR Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, BEO Bancorp OR's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where BEO Bancorp OR'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.
BEO Bancorp OR (BEOB) has a Pretax Margin % of 40.12% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on BEO Bancorp OR and its competitors. This is 55% above median its historical median of 25.82. Over the past decade, BEO Bancorp OR's Pretax Margin % has ranged from 11.99 to 41.20. According to the industry distribution chart, BEO Bancorp OR ranks #588 out of 1520 companies in the Banks industry, placing it in the top 38.7%.
Is BEO Bancorp OR's Pretax Margin % too high?
BEO Bancorp OR's current Pretax Margin % of 40.12% is 55% above median its 10-year median of 25.82. Over the past 10 years, this metric has ranged from a low of 11.99 to a high of 41.20. The Banks industry median Pretax Margin % is 35.65. BEO Bancorp OR's value of 40.12% is 12.6% above this industry median. Based on the distribution chart, BEO Bancorp OR ranks #588 out of 1520 companies in the Banks industry, which is above the industry midpoint. Overall, BEO Bancorp OR has a GF Score™ of 72/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does BEO Bancorp OR's Pretax Margin % compare to ENBP and NODB?
According to the Banks industry distribution chart, BEO Bancorp OR ranks #588 out of 1520 companies for Pretax Margin %. This puts BEO Bancorp OR in the upper half of its industry. The industry median Pretax Margin % is 35.65. BEO Bancorp OR's value of 40.12% is 12.6% above this benchmark. Historically, BEO Bancorp OR's own Pretax Margin % has ranged from 11.99 to 41.20 over the past decade. While the company's 10-year median is 25.82 vs. the industry median of 35.65, BEO Bancorp OR has consistently been above 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 35.65, based on 1,520 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. BEO Bancorp OR's current Pretax Margin % of 40.12% is 12.6% above 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 BEO Bancorp OR and its competitors. For the Banks industry, the median Pretax Margin % is 35.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. BEO Bancorp OR's current Pretax Margin % is 40.12%, which is 55% above median its own 10-year median of 25.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is BEO Bancorp OR stock overvalued right now?
Based on GuruFocus' analysis, BEO Bancorp OR (BEOB) is currently considered Significantly Overvalued. The stock's GF Value™ is $48.11, compared to a current price of $64.49 — trading 34% above its estimated fair value. The current Pretax Margin % is 40.12%, which is 55% above median its 10-year median of 25.82 and 12.6% above the Banks industry median of 35.65. BEO Bancorp OR's overall GF Score™ is 72/100 with 1 warning sign 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 BEO Bancorp OR (BEOB), the current Pretax Margin % is 40.12% 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 BEO Bancorp OR (BEOB) Overvalued in 2026?
Based on GuruFocus' analysis, BEO Bancorp OR stock appears to be overvalued.
The current stock price of $64.49 is trading 34% above its estimated GF Value™ of $48.11.
GuruFocus considers BEO Bancorp OR to be Significantly Overvalued.
Key valuation signals for BEOB:
Pretax Margin %: 40.12% (55% above median its 10-year median of 25.82)
GF Value™: $48.11 vs. price of $64.49 (34% above fair value)
Industry Position: 12.6% above the Banks median (#588 of 1520)
No single metric tells the full story. See the BEOB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
BEO Bancorp OR provides commercial and consumer financing, banking, and mortgage lending, and other services in Northeastern Oregon and Southeastern Washington. Its activities include the usual lending and deposit functions of a commercial bank: commercial, agricultural, real estate, installment, credit card, and mortgage loans; checking, money market, time deposit, and savings accounts; internet banking and bill payment; automated teller machines and safe deposit facilities. Additionally, the Bank originates and sells mortgage loans into the secondary market.
72GF Score
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