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Citizens BancorpCZBC 45 Pretax Margin % is 10.06% as of Mar. 2026, which is 58% below its 10-year median of 24.04. GuruFocus rates CZBC with a GF Score™ of 45/100 and a GF Value™ of $9.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Citizens Bancorp ranks worse than 91.09% 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.
Citizens Bancorp Pretax Margin % Related Terms
Citizens Bancorp Pretax Margin % Historical Data
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The historical data trend for Citizens 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.
CZBC vs ORPB, KSBI, MCBK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Citizens 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.
Citizens Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Citizens Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Citizens 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.
Citizens Bancorp (CZBC) has a Pretax Margin % of 10.06% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Citizens Bancorp and its competitors. This is 58% below median its historical median of 24.04. Over the past decade, Citizens Bancorp's Pretax Margin % has ranged from 9.09 to 45.63. According to the industry distribution chart, Citizens Bancorp ranks #1390 out of 1526 companies in the Banks industry, placing it in the top 91.1%.
Is Citizens Bancorp's Pretax Margin % too high?
Citizens Bancorp's current Pretax Margin % of 10.06% is 58% below median its 10-year median of 24.04. Over the past 10 years, this metric has ranged from a low of 9.09 to a high of 45.63. The Banks industry median Pretax Margin % is 35.25. Citizens Bancorp's value of 10.06% is 71.5% below this industry median. Based on the distribution chart, Citizens Bancorp ranks #1390 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Citizens Bancorp has a GF Score™ of 45/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Citizens Bancorp's Pretax Margin % compare to ORPB and KSBI?
According to the Banks industry distribution chart, Citizens Bancorp ranks #1390 out of 1526 companies for Pretax Margin %. This places Citizens Bancorp in the lower half of its industry. The industry median Pretax Margin % is 35.25. Citizens Bancorp's value of 10.06% is 71.5% below this benchmark. Historically, Citizens Bancorp's own Pretax Margin % has ranged from 9.09 to 45.63 over the past decade. While the company's 10-year median is 24.04 vs. the industry median of 35.25, Citizens 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 35.25, based on 1,526 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. Citizens Bancorp's current Pretax Margin % of 10.06% is 71.5% 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 Citizens Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Citizens Bancorp's current Pretax Margin % is 10.06%, which is 58% below median its own 10-year median of 24.04. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Citizens Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Citizens Bancorp (CZBC) is currently considered Significantly Overvalued. The stock's GF Value™ is $9.67, compared to a current price of $15.50 — trading 60.3% above its estimated fair value. The current Pretax Margin % is 10.06%, which is 58% below median its 10-year median of 24.04 and 71.5% below the Banks industry median of 35.25. Citizens Bancorp's overall GF Score™ is 45/100 with 6 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 Citizens Bancorp (CZBC), the current Pretax Margin % is 10.06% 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 Citizens Bancorp (CZBC) Overvalued in 2026?
Based on GuruFocus' analysis, Citizens Bancorp stock appears to be overvalued.
The current stock price of $15.50 is trading 60.3% above its estimated GF Value™ of $9.67.
GuruFocus considers Citizens Bancorp to be Significantly Overvalued.
Key valuation signals for CZBC:
Pretax Margin %: 10.06% (58% below median its 10-year median of 24.04)
GF Value™: $9.67 vs. price of $15.50 (60.3% above fair value)
Industry Position: 71.5% below the Banks median (#1390 of 1526)
No single metric tells the full story. See the CZBC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Citizens Bancorp is engaged in providing community banking services. It offers a wide variety of deposit products, commercial, residential, and consumer loans, and other traditional banking products and services. It also offers technology products such as internet banking, online bill pay, and mobile banking services that are designed to meet the needs of small and middle-market businesses and individuals.
45GF Score
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