Exchange Banknta RosaEXSR -5.53%58 Pretax Margin % is 33.69% as of Dec. 2025, which is 1% above its 10-year median of 33.24. GuruFocus rates EXSR with a GF Score™ of 58/100 and a GF Value™ of $115.66 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,528 Banks companies, Exchange Banknta Rosa ranks worse than 54.65% on this metric.
The historical rank and industry rank for Exchange Banknta Rosa's Pretax Margin % or its related term are showing as below:
EXSR'
s Pretax Margin % Range Over the Past 10 Years
Min: 21.78 Med: 33.24 Max: 44.92
Current: 33.15
EXSR's Pretax Margin % is ranked worse than 54.65% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs EXSR: 33.15
Exchange Banknta Rosa (OTCPK:EXSR) 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.
Exchange Banknta Rosa Pretax Margin % Related Terms
Exchange Banknta Rosa Pretax Margin % Historical Data
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The historical data trend for Exchange Banknta Rosa'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.
EXSR vs CCFN, WNEB, LRBI: Pretax Margin % Comparison
For the Banks - Regional subindustry, Exchange Banknta Rosa'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 Banknta Rosa Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Exchange Banknta Rosa's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Exchange Banknta Rosa'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 Banknta Rosa (EXSR) has a Pretax Margin % of 33.69% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Exchange Banknta Rosa and its competitors. This is near median its historical median of 33.24. Over the past decade, Exchange Banknta Rosa's Pretax Margin % has ranged from 21.78 to 44.92. According to the industry distribution chart, Exchange Banknta Rosa ranks #835 out of 1528 companies in the Banks industry, placing it in the top 54.6%.
Is Exchange Banknta Rosa's Pretax Margin % too high?
Exchange Banknta Rosa's current Pretax Margin % of 33.69% is near median its 10-year median of 33.24. Over the past 10 years, this metric has ranged from a low of 21.78 to a high of 44.92. The Banks industry median Pretax Margin % is 34.72. Exchange Banknta Rosa's value of 33.69% is 3% below this industry median. Based on the distribution chart, Exchange Banknta Rosa ranks #835 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Exchange Banknta Rosa has a GF Score™ of 58/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Exchange Banknta Rosa's Pretax Margin % compare to CCFN and WNEB?
According to the Banks industry distribution chart, Exchange Banknta Rosa ranks #835 out of 1528 companies for Pretax Margin %. This places Exchange Banknta Rosa in the lower half of its industry. The industry median Pretax Margin % is 34.72. Exchange Banknta Rosa's value of 33.69% is 3% below this benchmark. Historically, Exchange Banknta Rosa's own Pretax Margin % has ranged from 21.78 to 44.92 over the past decade. While the company's 10-year median is 33.24 vs. the industry median of 34.72, Exchange Banknta Rosa 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 1,528 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 Banknta Rosa's current Pretax Margin % of 33.69% is 3% 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 Banknta Rosa 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. Exchange Banknta Rosa's current Pretax Margin % is 33.69%, which is near median its own 10-year median of 33.24. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Exchange Banknta Rosa stock overvalued right now?
Based on GuruFocus' analysis, Exchange Banknta Rosa (EXSR) is currently considered Significantly Overvalued. The stock's GF Value™ is $115.66, compared to a current price of $158.28 — trading 36.8% above its estimated fair value. The current Pretax Margin % is 33.69%, which is near median its 10-year median of 33.24 and 3% below the Banks industry median of 34.72. Exchange Banknta Rosa's overall GF Score™ is 58/100 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 Exchange Banknta Rosa (EXSR), the current Pretax Margin % is 33.69% 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 Banknta Rosa (EXSR) Overvalued in 2026?
Based on GuruFocus' analysis, Exchange Banknta Rosa stock appears to be overvalued.
The current stock price of $158.28 is trading 36.8% above its estimated GF Value™ of $115.66.
GuruFocus considers Exchange Banknta Rosa to be Significantly Overvalued.
Key valuation signals for EXSR:
Pretax Margin %: 33.69% (near median its 10-year median of 33.24)
GF Value™: $115.66 vs. price of $158.28 (36.8% above fair value)
Industry Position: 3% below the Banks median (#835 of 1528)
No single metric tells the full story. See the EXSR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Exchange Bank Santa Rosa together with its subsidiaries, provides community banking services to individuals and businesses. The bank is a full service community bank providing a range of commercial, retail banking, and trust and investment management services to individuals and businesses.
58GF Score
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