Croghan BancsharesCHBH 57 Pretax Margin % is 32.89% as of Mar. 2026, which is 9% below its 10-year median of 36.13. GuruFocus rates CHBH with a GF Score™ of 57/100 and a GF Value™ of $58.50 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, Croghan Bancshares ranks worse than 57.12% 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.
Croghan Bancshares Pretax Margin % Related Terms
Croghan Bancshares Pretax Margin % Historical Data
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The historical data trend for Croghan Bancshares'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.
CHBH vs PPBN, FCPB, CTUY: Pretax Margin % Comparison
For the Banks - Regional subindustry, Croghan Bancshares'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.
Croghan Bancshares Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Croghan Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Croghan Bancshares'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.
Croghan Bancshares (CHBH) has a Pretax Margin % of 32.89% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Croghan Bancshares and its competitors. This is near median its historical median of 36.13. Over the past decade, Croghan Bancshares' Pretax Margin % has ranged from 28.98 to 39.98. According to the industry distribution chart, Croghan Bancshares ranks #874 out of 1530 companies in the Banks industry, placing it in the top 57.1%.
Is Croghan Bancshares' Pretax Margin % too high?
Croghan Bancshares' current Pretax Margin % of 32.89% is near median its 10-year median of 36.13. Over the past 10 years, this metric has ranged from a low of 28.98 to a high of 39.98. The Banks industry median Pretax Margin % is 34.72. Croghan Bancshares' value of 32.89% is 5.3% below this industry median. Based on the distribution chart, Croghan Bancshares ranks #874 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Croghan Bancshares has a GF Score™ of 57/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Croghan Bancshares' Pretax Margin % compare to PPBN and FCPB?
According to the Banks industry distribution chart, Croghan Bancshares ranks #874 out of 1530 companies for Pretax Margin %. This places Croghan Bancshares in the lower half of its industry. The industry median Pretax Margin % is 34.72. Croghan Bancshares' value of 32.89% is 5.3% below this benchmark. Historically, Croghan Bancshares' own Pretax Margin % has ranged from 28.98 to 39.98 over the past decade. While the company's 10-year median is 36.13 vs. the industry median of 34.72, Croghan Bancshares 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. Croghan Bancshares's current Pretax Margin % of 32.89% is 5.3% 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 Croghan Bancshares 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. Croghan Bancshares's current Pretax Margin % is 32.89%, which is near median its own 10-year median of 36.13. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Croghan Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Croghan Bancshares (CHBH) is currently considered Fairly Valued. The stock's GF Value™ is $58.50, compared to a current price of $61.00 — trading 4.3% above its estimated fair value. The current Pretax Margin % is 32.89%, which is near median its 10-year median of 36.13 and 5.3% below the Banks industry median of 34.72. Croghan Bancshares' overall GF Score™ is 57/100 with 3 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 Croghan Bancshares (CHBH), the current Pretax Margin % is 32.89% 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 Croghan Bancshares (CHBH) Overvalued in 2026?
Based on GuruFocus' analysis, Croghan Bancshares stock appears to be overvalued.
The current stock price of $61.00 is trading 4.3% above its estimated GF Value™ of $58.50.
GuruFocus considers Croghan Bancshares to be Fairly Valued.
Key valuation signals for CHBH:
Pretax Margin %: 32.89% (near median its 10-year median of 36.13)
GF Value™: $58.50 vs. price of $61.00 (4.3% above fair value)
Industry Position: 5.3% below the Banks median (#874 of 1530)
No single metric tells the full story. See the CHBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Croghan Bancshares Inc is a financial holding company. The bank offers a diverse range of commercial and retail banking services through its banking centers located in Bellevue, Clyde, Curtice, Fremont, Green Springs, Monroeville, Norwalk, Maumee, Milan, Oak Harbor, Oregon, Port Clinton, and Tiffin, Ohio. Its products are comprised of traditional banking services such as consumer, commercial, agricultural and real estate loans, personal and business checking accounts, savings accounts, time deposit accounts, safe deposit box services, and trust department services. The company operates in one industry segment, the commercial banking industry.
57GF Score
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