Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
What is Enterprise Financial Services Group Pretax Margin %?
Enterprise Financial Services GroupEFSG 41 Pretax Margin % is 24.36% as of Mar. 2026, which is 9% above its 10-year median of 22.25. GuruFocus rates EFSG with a GF Score™ of 41/100 and a GF Value™ of $21.69 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Enterprise Financial Services Group ranks worse than 74.49% on this metric.
Enterprise Financial Services Group (OTCPK:EFSG) 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.
Enterprise Financial Services Group Pretax Margin % Related Terms
Enterprise Financial Services Group Pretax Margin % Historical Data
* 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.
Enterprise Financial Services Group Pretax Margin % Chart
EFSG vs BHDB, HCKG, EXCH: Pretax Margin % Comparison
For the Banks - Regional subindustry, Enterprise Financial Services Group'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.
Enterprise Financial Services Group Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Enterprise Financial Services Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Enterprise Financial Services Group'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.
Enterprise Financial Services Group (EFSG) has a Pretax Margin % of 24.36% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Enterprise Financial Services Group and its competitors. This is near median its historical median of 22.25. Over the past decade, Enterprise Financial Services Group's Pretax Margin % has ranged from 18.46 to 29.41. According to the industry distribution chart, Enterprise Financial Services Group ranks #1136 out of 1525 companies in the Banks industry, placing it in the top 74.5%.
Is Enterprise Financial Services Group's Pretax Margin % too high?
Enterprise Financial Services Group's current Pretax Margin % of 24.36% is near median its 10-year median of 22.25. Over the past 10 years, this metric has ranged from a low of 18.46 to a high of 29.41. The Banks industry median Pretax Margin % is 35.37. Enterprise Financial Services Group's value of 24.36% is 31.1% below this industry median. Based on the distribution chart, Enterprise Financial Services Group ranks #1136 out of 1525 companies in the Banks industry, which is below the industry midpoint. Overall, Enterprise Financial Services Group has a GF Score™ of 41/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Enterprise Financial Services Group's Pretax Margin % compare to BHDB and HCKG?
According to the Banks industry distribution chart, Enterprise Financial Services Group ranks #1136 out of 1525 companies for Pretax Margin %. This places Enterprise Financial Services Group in the lower half of its industry. The industry median Pretax Margin % is 35.37. Enterprise Financial Services Group's value of 24.36% is 31.1% below this benchmark. Historically, Enterprise Financial Services Group's own Pretax Margin % has ranged from 18.46 to 29.41 over the past decade. While the company's 10-year median is 22.25 vs. the industry median of 35.37, Enterprise Financial Services Group 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. Enterprise Financial Services Group's current Pretax Margin % of 24.36% is 31.1% 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 Enterprise Financial Services Group 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. Enterprise Financial Services Group's current Pretax Margin % is 24.36%, which is near median its own 10-year median of 22.25. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Enterprise Financial Services Group stock overvalued right now?
Based on GuruFocus' analysis, Enterprise Financial Services Group (EFSG) is currently considered Significantly Overvalued. The stock's GF Value™ is $21.69, compared to a current price of $32.00 — trading 47.5% above its estimated fair value. The current Pretax Margin % is 24.36%, which is near median its 10-year median of 22.25 and 31.1% below the Banks industry median of 35.37. Enterprise Financial Services Group's overall GF Score™ is 41/100 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 Enterprise Financial Services Group (EFSG), the current Pretax Margin % is 24.36% 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 Enterprise Financial Services Group (EFSG) Overvalued in 2026?
Based on GuruFocus' analysis, Enterprise Financial Services Group stock appears to be overvalued.
The current stock price of $32.00 is trading 47.5% above its estimated GF Value™ of $21.69.
GuruFocus considers Enterprise Financial Services Group to be Significantly Overvalued.
Key valuation signals for EFSG:
Pretax Margin %: 24.36% (near median its 10-year median of 22.25)
GF Value™: $21.69 vs. price of $32.00 (47.5% above fair value)
Industry Position: 31.1% below the Banks median (#1136 of 1525)
No single metric tells the full story. See the EFSG stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Enterprise Financial Services Group Inc is a bank holding company. The company, through its holding, provides banking products and services including personal banking, business banking, business financing, insurance and commercial loans. The primary source of revenue is from providing commercial loans to business customers located within Allegheny and its bi-contiguous counties.
41GF Score
Get the complete analysis for EFSG
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
EFSG has been successfully added to your 
