Community BankersCTYP 53 Pretax Margin % is 21.27% as of Dec. 2025, which is 2% below its 10-year median of 21.75. GuruFocus rates CTYP with a GF Score™ of 53/100 and a GF Value™ of $6.84 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Community Bankers ranks worse than 79.7% on this metric.
The historical rank and industry rank for Community Bankers's Pretax Margin % or its related term are showing as below:
CTYP'
s Pretax Margin % Range Over the Past 10 Years
Min: 11.12 Med: 21.75 Max: 32.42
Current: 21.27
CTYP's Pretax Margin % is ranked worse than 79.7% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs CTYP: 21.27
Community Bankers (OTCPK:CTYP) 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.
Community Bankers Pretax Margin % Related Terms
Community Bankers Pretax Margin % Historical Data
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The historical data trend for Community Bankers'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.
CTYP vs MFDB, LOGN, CIBN: Pretax Margin % Comparison
For the Banks - Regional subindustry, Community Bankers'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.
Community Bankers Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Community Bankers's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Community Bankers'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.
Community Bankers (CTYP) has a Pretax Margin % of 21.27% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Community Bankers and its competitors. This is near median its historical median of 21.75. Over the past decade, Community Bankers' Pretax Margin % has ranged from 11.12 to 32.42. According to the industry distribution chart, Community Bankers ranks #1217 out of 1527 companies in the Banks industry, placing it in the top 79.7%.
Is Community Bankers' Pretax Margin % too high?
Community Bankers' current Pretax Margin % of 21.27% is near median its 10-year median of 21.75. Over the past 10 years, this metric has ranged from a low of 11.12 to a high of 32.42. The Banks industry median Pretax Margin % is 34.88. Community Bankers' value of 21.27% is 39% below this industry median. Based on the distribution chart, Community Bankers ranks #1217 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Community Bankers has a GF Score™ of 53/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Community Bankers' Pretax Margin % compare to MFDB and LOGN?
According to the Banks industry distribution chart, Community Bankers ranks #1217 out of 1527 companies for Pretax Margin %. This places Community Bankers in the lower half of its industry. The industry median Pretax Margin % is 34.88. Community Bankers' value of 21.27% is 39% below this benchmark. Historically, Community Bankers' own Pretax Margin % has ranged from 11.12 to 32.42 over the past decade. While the company's 10-year median is 21.75 vs. the industry median of 34.88, Community Bankers 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. Community Bankers's current Pretax Margin % of 21.27% is 39% 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 Community Bankers 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. Community Bankers's current Pretax Margin % is 21.27%, which is near median its own 10-year median of 21.75. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Community Bankers stock overvalued right now?
Based on GuruFocus' analysis, Community Bankers (CTYP) is currently considered Significantly Overvalued. The stock's GF Value™ is $6.84, compared to a current price of $10.90 — trading 59.4% above its estimated fair value. The current Pretax Margin % is 21.27%, which is near median its 10-year median of 21.75 and 39% below the Banks industry median of 34.88. Community Bankers' overall GF Score™ is 53/100 with 4 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 Community Bankers (CTYP), the current Pretax Margin % is 21.27% 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 Community Bankers (CTYP) Overvalued in 2026?
Based on GuruFocus' analysis, Community Bankers stock appears to be overvalued.
The current stock price of $10.90 is trading 59.4% above its estimated GF Value™ of $6.84.
GuruFocus considers Community Bankers to be Significantly Overvalued.
Key valuation signals for CTYP:
Pretax Margin %: 21.27% (near median its 10-year median of 21.75)
GF Value™: $6.84 vs. price of $10.90 (59.4% above fair value)
Industry Position: 39% below the Banks median (#1217 of 1527)
No single metric tells the full story. See the CTYP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Community Bankers Corp is a bank holding company that, through its holding, Marion Center Bank, provides personal banking, business banking, lending services, and online services. The company's principal sources of revenue are from residential real estate, commercial real estate, commercial and consumer loan financing, and an investment security portfolio, as well as a variety of deposit accounts and services to its customers.
53GF Score
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