Exchange BancsharesEXCH 50 Pretax Margin % is 34.04% as of Dec. 2025, which is 9% above its 10-year median of 31.10. GuruFocus rates EXCH with a GF Score™ of 50/100 and a GF Value™ of $59.63 (Modestly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, Exchange Bancshares ranks worse than 52.19% 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.
Exchange Bancshares Pretax Margin % Related Terms
Exchange Bancshares Pretax Margin % Historical Data
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The historical data trend for Exchange Bancshares'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.
EXCH vs LKSB, HCBC, KFFB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Exchange Bancshares'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.
Exchange Bancshares Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Exchange Bancshares'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.
Exchange Bancshares (EXCH) has a Pretax Margin % of 34.04% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Exchange Bancshares and its competitors. This is near median its historical median of 31.10. According to the industry distribution chart, Exchange Bancshares ranks #797 out of 1527 companies in the Banks industry, placing it in the top 52.2%.
Is Exchange Bancshares' Pretax Margin % too high?
Exchange Bancshares' current Pretax Margin % of 34.04% is near median its 10-year median of 31.10. The Banks industry median Pretax Margin % is 34.88. Exchange Bancshares' value of 34.04% is 2.4% below this industry median. Based on the distribution chart, Exchange Bancshares ranks #797 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Exchange Bancshares has a GF Score™ of 50/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Bancshares' Pretax Margin % compare to LKSB and HCBC?
According to the Banks industry distribution chart, Exchange Bancshares ranks #797 out of 1527 companies for Pretax Margin %. This places Exchange Bancshares in the lower half of its industry. The industry median Pretax Margin % is 34.88. Exchange Bancshares' value of 34.04% is 2.4% below this benchmark. While the company's 10-year median is 31.10 vs. the industry median of 34.88, Exchange Bancshares 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. Exchange Bancshares's current Pretax Margin % of 34.04% is 2.4% 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 Exchange Bancshares 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. Exchange Bancshares's current Pretax Margin % is 34.04%, which is near median its own 10-year median of 31.10. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Exchange Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Exchange Bancshares (EXCH) is currently considered Modestly Overvalued. The stock's GF Value™ is $59.63, compared to a current price of $67.70 — trading 13.5% above its estimated fair value. The current Pretax Margin % is 34.04%, which is near median its 10-year median of 31.10 and 2.4% below the Banks industry median of 34.88. Exchange Bancshares' overall GF Score™ is 50/100 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 Exchange Bancshares (EXCH), the current Pretax Margin % is 34.04% 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 Exchange Bancshares (EXCH) Overvalued in 2026?
Based on GuruFocus' analysis, Exchange Bancshares stock appears to be overvalued.
The current stock price of $67.70 is trading 13.5% above its estimated GF Value™ of $59.63.
GuruFocus considers Exchange Bancshares to be Modestly Overvalued.
Key valuation signals for EXCH:
Pretax Margin %: 34.04% (near median its 10-year median of 31.10)
GF Value™: $59.63 vs. price of $67.70 (13.5% above fair value)
Industry Position: 2.4% below the Banks median (#797 of 1527)
No single metric tells the full story. See the EXCH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Exchange Bancshares Inc operates in the banking industry. The company provides personal checking, personal banking, business banking, mortgage loans, business loans, credit card services, investment services, online banking, mobile deposit, and others.
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