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Colony BankcorpCBAN -0.14%58 Pretax Margin % is 32.59% as of Jun. 2026, which is 32% above its 10-year median of 24.76. GuruFocus rates CBAN with a GF Score™ of 58/100 and a GF Value™ of $18.44 (Modestly Overvalued). The stock has 7 warning signs investors should review. Among 1,526 Banks companies, Colony Bankcorp ranks worse than 70.51% 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.
Colony Bankcorp Pretax Margin % Related Terms
Colony Bankcorp Pretax Margin % Historical Data
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The historical data trend for Colony Bankcorp'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.
CBAN vs PBAM, WTBA, BMRC: Pretax Margin % Comparison
For the Banks - Regional subindustry, Colony Bankcorp'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.
Colony Bankcorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Colony Bankcorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Colony Bankcorp'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.
Colony Bankcorp (CBAN) has a Pretax Margin % of 32.59% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Colony Bankcorp and its competitors. This is 32% above median its historical median of 24.76. Over the past decade, Colony Bankcorp's Pretax Margin % has ranged from 18.41 to 29.78. According to the industry distribution chart, Colony Bankcorp ranks #1076 out of 1526 companies in the Banks industry, placing it in the top 70.5%.
Is Colony Bankcorp's Pretax Margin % too high?
Colony Bankcorp's current Pretax Margin % of 32.59% is 32% above median its 10-year median of 24.76. Over the past 10 years, this metric has ranged from a low of 18.41 to a high of 29.78. The Banks industry median Pretax Margin % is 35.56. Colony Bankcorp's value of 32.59% is 8.4% below this industry median. Based on the distribution chart, Colony Bankcorp ranks #1076 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Colony Bankcorp has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Colony Bankcorp's Pretax Margin % compare to PBAM and WTBA?
According to the Banks industry distribution chart, Colony Bankcorp ranks #1076 out of 1526 companies for Pretax Margin %. This places Colony Bankcorp in the lower half of its industry. The industry median Pretax Margin % is 35.56. Colony Bankcorp's value of 32.59% is 8.4% below this benchmark. Historically, Colony Bankcorp's own Pretax Margin % has ranged from 18.41 to 29.78 over the past decade. While the company's 10-year median is 24.76 vs. the industry median of 35.56, Colony Bankcorp 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 35.56, based on 1,526 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. Colony Bankcorp's current Pretax Margin % of 32.59% is 8.4% 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 Colony Bankcorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Colony Bankcorp's current Pretax Margin % is 32.59%, which is 32% above median its own 10-year median of 24.76. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Colony Bankcorp stock overvalued right now?
Based on GuruFocus' analysis, Colony Bankcorp (CBAN) is currently considered Modestly Overvalued. The stock's GF Value™ is $18.44, compared to a current price of $21.41 — trading 16.1% above its estimated fair value. The current Pretax Margin % is 32.59%, which is 32% above median its 10-year median of 24.76 and 8.4% below the Banks industry median of 35.56. Colony Bankcorp's overall GF Score™ is 58/100 with 7 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 Colony Bankcorp (CBAN), the current Pretax Margin % is 32.59% as of Jun. 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 Colony Bankcorp (CBAN) Overvalued in 2026?
Based on GuruFocus' analysis, Colony Bankcorp stock appears to be overvalued.
The current stock price of $21.41 is trading 16.1% above its estimated GF Value™ of $18.44.
GuruFocus considers Colony Bankcorp to be Modestly Overvalued.
Key valuation signals for CBAN:
Pretax Margin %: 32.59% (32% above median its 10-year median of 24.76)
GF Value™: $18.44 vs. price of $21.41 (16.1% above fair value)
Industry Position: 8.4% below the Banks median (#1076 of 1526)
No single metric tells the full story. See the CBAN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Colony Bankcorp Inc is a bank holding company. The bank provides a broad range of banking services to its retail and commercial customers. Its product line includes loans to small and medium-sized businesses, residential and commercial construction and land development loans, commercial real estate loans, agri-business and production loans, residential mortgage loans, consumer loans, and a variety of demand, savings, and time deposit products. The company's segments include the Banking Division, Retail Mortgage Division and small business specialty lending divisions. It generates maximum revenue from the Banking Division.
58GF Score
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