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.
CNB Financial Services Pretax Margin % Related Terms
CNB Financial Services Pretax Margin % Historical Data
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The historical data trend for CNB Financial Services'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.
CBFC vs GWBK, MKIN, GOVB: Pretax Margin % Comparison
For the Banks - Regional subindustry, CNB Financial Services'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.
CNB Financial Services Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial Services's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where CNB Financial Services'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.
CNB Financial Services (CBFC) has a Pretax Margin % of 26.11% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on CNB Financial Services and its competitors. This is 22% above median its historical median of 21.46. Over the past decade, CNB Financial Services' Pretax Margin % has ranged from 19.97 to 26.11.
Is CNB Financial Services' Pretax Margin % too high?
CNB Financial Services' current Pretax Margin % of 26.11% is 22% above median its 10-year median of 21.46. Over the past 10 years, this metric has ranged from a low of 19.97 to a high of 26.11. The Banks industry median Pretax Margin % is 34.88. CNB Financial Services' value of 26.11% is 25.1% below this industry median. Overall, CNB Financial Services has a GF Score™ of 65/100, reflecting its overall financial health beyond just this single metric.
How does CNB Financial Services' Pretax Margin % compare to GWBK and MKIN?
CNB Financial Services' Pretax Margin % of 26.11% can be compared against companies in the Banks industry. The industry median Pretax Margin % is 34.88. CNB Financial Services' value of 26.11% is 25.1% below this benchmark. Historically, CNB Financial Services' own Pretax Margin % has ranged from 19.97 to 26.11 over the past decade. While the company's 10-year median is 21.46 vs. the industry median of 34.88, CNB Financial Services 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 34.88, based on 1,527 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. CNB Financial Services's current Pretax Margin % of 26.11% is 25.1% 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 CNB Financial Services and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial Services's current Pretax Margin % is 26.11%, which is 22% above median its own 10-year median of 21.46. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Financial Services stock overvalued right now?
CNB Financial Services (CBFC) has a current Pretax Margin % of 26.11%. The stock's GF Value™ is $41.00, compared to a current price of $50.00 — trading 22% above its estimated fair value. The current Pretax Margin % is 26.11%, which is 22% above median its 10-year median of 21.46 and 25.1% below the Banks industry median of 34.88. CNB Financial Services' overall GF Score™ is 65/100 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 CNB Financial Services (CBFC), the current Pretax Margin % is 26.11% 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 CNB Financial Services (CBFC) Overvalued in 2026?
Based on GuruFocus' analysis, CNB Financial Services stock appears to be overvalued.
The current stock price of $50.00 is trading 22% above its estimated GF Value™ of $41.00.
Key valuation signals for CBFC:
Pretax Margin %: 26.11% (22% above median its 10-year median of 21.46)
GF Value™: $41.00 vs. price of $50.00 (22% above fair value)
No single metric tells the full story. See the CBFC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNB Financial Services Inc operates as the bank holding company for CNB Bank, Inc, which is a full-service commercial bank conducting general banking and trust activities through various full-service offices and automated teller machines located in Morgan and Berkeley Counties, West Virginia, and Washington County, Maryland, among others. The sources of revenue for the Bank are interest income from loans and investments, and non-interest income. The company has the following portfolios: Construction, land, and Residential properties, Non-farm nonresidential properties, Commercial and industrial loans, Consumer loans, and Leases.
65GF Score
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