CNB MICNBZ -3.96%55 Pretax Margin % is 21.12% as of Mar. 2026, which is 5% below its 10-year median of 22.33. GuruFocus rates CNBZ with a GF Score™ of 55/100 and a GF Value™ of $22.64 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, CNB MI ranks worse than 73.4% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. CNB MI's Pre-Tax Income for the
three
months ended in Mar. 2026 was $1.03 Mil. CNB MI's Revenue for the
three
months ended in Mar. 2026 was $4.90 Mil. Therefore, CNB MI's pretax margin for the quarter that ended in Mar. 2026 was 21.12%.
The historical rank and industry rank for CNB MI's Pretax Margin % or its related term are showing as below:
CNBZ'
s Pretax Margin % Range Over the Past 10 Years
Min: -5.27 Med: 22.33 Max: 28.24
Current: 24.73
CNBZ's Pretax Margin % is ranked worse than 73.4% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs CNBZ: 24.73
CNB MI (OTCPK:CNBZ) 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.
CNB MI Pretax Margin % Related Terms
CNB MI Pretax Margin % Historical Data
* Premium members only.
The historical data trend for CNB MI'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.
CNBZ vs AMFC, IBWC, CDAB: Pretax Margin % Comparison
For the Banks - Regional subindustry, CNB MI'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 MI Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CNB MI's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where CNB MI'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 MI (CNBZ) has a Pretax Margin % of 21.12% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on CNB MI and its competitors. This is near median its historical median of 22.33. According to the industry distribution chart, CNB MI ranks #1123 out of 1530 companies in the Banks industry, placing it in the top 73.4%.
Is CNB MI's Pretax Margin % too high?
CNB MI's current Pretax Margin % of 21.12% is near median its 10-year median of 22.33. The Banks industry median Pretax Margin % is 34.72. CNB MI's value of 21.12% is 39.2% below this industry median. Based on the distribution chart, CNB MI ranks #1123 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, CNB MI has a GF Score™ of 55/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does CNB MI's Pretax Margin % compare to AMFC and IBWC?
According to the Banks industry distribution chart, CNB MI ranks #1123 out of 1530 companies for Pretax Margin %. This places CNB MI in the lower half of its industry. The industry median Pretax Margin % is 34.72. CNB MI's value of 21.12% is 39.2% below this benchmark. While the company's 10-year median is 22.33 vs. the industry median of 34.72, CNB MI 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. CNB MI's current Pretax Margin % of 21.12% is 39.2% 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 MI 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. CNB MI's current Pretax Margin % is 21.12%, which is near median its own 10-year median of 22.33. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB MI stock overvalued right now?
Based on GuruFocus' analysis, CNB MI (CNBZ) is currently considered Fairly Valued. The stock's GF Value™ is $22.64, compared to a current price of $24.01 — trading 6.1% above its estimated fair value. The current Pretax Margin % is 21.12%, which is near median its 10-year median of 22.33 and 39.2% below the Banks industry median of 34.72. CNB MI's overall GF Score™ is 55/100 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 CNB MI (CNBZ), the current Pretax Margin % is 21.12% 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 CNB MI (CNBZ) Overvalued in 2026?
Based on GuruFocus' analysis, CNB MI stock appears to be overvalued.
The current stock price of $24.01 is trading 6.1% above its estimated GF Value™ of $22.64.
GuruFocus considers CNB MI to be Fairly Valued.
Key valuation signals for CNBZ:
Pretax Margin %: 21.12% (near median its 10-year median of 22.33)
GF Value™: $22.64 vs. price of $24.01 (6.1% above fair value)
Industry Position: 39.2% below the Banks median (#1123 of 1530)
No single metric tells the full story. See the CNBZ stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNB Corp MI is a one-bank holding company. Through its banking subsidiary, it provides a full range of banking services to individuals, agricultural businesses, commercial businesses, and light industries located in its service area. The Group offers a variety of deposit accounts, including checking, savings, money market, individual retirement accounts, and certificates of deposit, and maintains a diversified loan portfolio, including loans to individuals for home mortgages, personal expenditures, and loans to business enterprises for current operations and expansion. Additionally, it offers ATM services, business credit and debit cards, cash management, and wealth management solutions. The Group serves the Michigan communities and the area immediately surrounding these communities.
55GF Score
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