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Cornerstone BancorpCNBP 61 Pretax Margin % is 34.16% as of Dec. 2025, which is 13% below its 10-year median of 39.05. GuruFocus rates CNBP with a GF Score™ of 61/100 and a GF Value™ of $82.67 (Significantly Overvalued). The stock has 1 warning sign investors should review. Among 1,525 Banks companies, Cornerstone Bancorp ranks worse than 52.98% 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.
Cornerstone Bancorp Pretax Margin % Related Terms
Cornerstone Bancorp Pretax Margin % Historical Data
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The historical data trend for Cornerstone Bancorp'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.
CNBP vs JDVB, MGYR, CZBS: Pretax Margin % Comparison
For the Banks - Regional subindustry, Cornerstone Bancorp'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.
Cornerstone Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Cornerstone Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Cornerstone Bancorp'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.
Cornerstone Bancorp (CNBP) has a Pretax Margin % of 34.16% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Cornerstone Bancorp and its competitors. This is 13% below median its historical median of 39.05. Over the past decade, Cornerstone Bancorp's Pretax Margin % has ranged from 27.74 to 121.13. According to the industry distribution chart, Cornerstone Bancorp ranks #808 out of 1525 companies in the Banks industry, placing it in the top 53%.
Is Cornerstone Bancorp's Pretax Margin % too high?
Cornerstone Bancorp's current Pretax Margin % of 34.16% is 13% below median its 10-year median of 39.05. Over the past 10 years, this metric has ranged from a low of 27.74 to a high of 121.13. The Banks industry median Pretax Margin % is 35.37. Cornerstone Bancorp's value of 34.16% is 3.4% below this industry median. Based on the distribution chart, Cornerstone Bancorp ranks #808 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Cornerstone Bancorp has a GF Score™ of 61/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Cornerstone Bancorp's Pretax Margin % compare to JDVB and MGYR?
According to the Banks industry distribution chart, Cornerstone Bancorp ranks #808 out of 1525 companies for Pretax Margin %. This places Cornerstone Bancorp in the lower half of its industry. The industry median Pretax Margin % is 35.37. Cornerstone Bancorp's value of 34.16% is 3.4% below this benchmark. Historically, Cornerstone Bancorp's own Pretax Margin % has ranged from 27.74 to 121.13 over the past decade. While the company's 10-year median is 39.05 vs. the industry median of 35.37, Cornerstone Bancorp 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 35.37, based on 1,525 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. Cornerstone Bancorp's current Pretax Margin % of 34.16% is 3.4% 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 Cornerstone Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Cornerstone Bancorp's current Pretax Margin % is 34.16%, which is 13% below median its own 10-year median of 39.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cornerstone Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Cornerstone Bancorp (CNBP) is currently considered Significantly Overvalued. The stock's GF Value™ is $82.67, compared to a current price of $120.10 — trading 45.3% above its estimated fair value. The current Pretax Margin % is 34.16%, which is 13% below median its 10-year median of 39.05 and 3.4% below the Banks industry median of 35.37. Cornerstone Bancorp's overall GF Score™ is 61/100 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 Cornerstone Bancorp (CNBP), the current Pretax Margin % is 34.16% 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 Cornerstone Bancorp (CNBP) Overvalued in 2026?
Based on GuruFocus' analysis, Cornerstone Bancorp stock appears to be overvalued.
The current stock price of $120.10 is trading 45.3% above its estimated GF Value™ of $82.67.
GuruFocus considers Cornerstone Bancorp to be Significantly Overvalued.
Key valuation signals for CNBP:
Pretax Margin %: 34.16% (13% below median its 10-year median of 39.05)
GF Value™: $82.67 vs. price of $120.10 (45.3% above fair value)
Industry Position: 3.4% below the Banks median (#808 of 1525)
No single metric tells the full story. See the CNBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Cornerstone Bancorp Inc provides financial services to individuals and businesses. The company's primary deposit products are demand deposits, savings, money market, and term certificate accounts, and its primary lending products are commercial and commercial mortgage loans. The company has a mortgage banking operation in which residential mortgage loans are originated and sold to the secondary market. The Corporation has one operating segment: community banking.
61GF Score
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