Farmers Bank of AppomattoxFBPA 68 Pretax Margin % is 19.87% as of Mar. 2026, which is 35% below its 10-year median of 30.48. GuruFocus rates FBPA with a GF Score™ of 68/100 and a GF Value™ of $28.28 (Fairly Valued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, Farmers Bank of Appomattox ranks worse than 70.55% on this metric.
The historical rank and industry rank for Farmers Bank of Appomattox's Pretax Margin % or its related term are showing as below:
FBPA'
s Pretax Margin % Range Over the Past 10 Years
Min: 24.97 Med: 30.48 Max: 34.98
Current: 26.65
FBPA's Pretax Margin % is ranked worse than 70.55% of 1528
companies
in the Banks industry
Industry Median: 34.665
vs FBPA: 26.65
Farmers Bank of Appomattox (OTCPK:FBPA) 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.
Farmers Bank of Appomattox Pretax Margin % Related Terms
Farmers Bank of Appomattox 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.
FBPA vs WOBK, RBNK, JFWV: Pretax Margin % Comparison
For the Banks - Regional subindustry, Farmers Bank of Appomattox'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.
Farmers Bank of Appomattox Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Farmers Bank of Appomattox's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Farmers Bank of Appomattox'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.
Farmers Bank of Appomattox (FBPA) has a Pretax Margin % of 19.87% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Farmers Bank of Appomattox and its competitors. This is 35% below median its historical median of 30.48. Over the past decade, Farmers Bank of Appomattox's Pretax Margin % has ranged from 24.97 to 34.98. According to the industry distribution chart, Farmers Bank of Appomattox ranks #1078 out of 1528 companies in the Banks industry, placing it in the top 70.5%.
Is Farmers Bank of Appomattox's Pretax Margin % too high?
Farmers Bank of Appomattox's current Pretax Margin % of 19.87% is 35% below median its 10-year median of 30.48. Over the past 10 years, this metric has ranged from a low of 24.97 to a high of 34.98. The Banks industry median Pretax Margin % is 34.67. Farmers Bank of Appomattox's value of 19.87% is 42.7% below this industry median. Based on the distribution chart, Farmers Bank of Appomattox ranks #1078 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Farmers Bank of Appomattox has a GF Score™ of 68/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Farmers Bank of Appomattox's Pretax Margin % compare to WOBK and RBNK?
According to the Banks industry distribution chart, Farmers Bank of Appomattox ranks #1078 out of 1528 companies for Pretax Margin %. This places Farmers Bank of Appomattox in the lower half of its industry. The industry median Pretax Margin % is 34.67. Farmers Bank of Appomattox's value of 19.87% is 42.7% below this benchmark. Historically, Farmers Bank of Appomattox's own Pretax Margin % has ranged from 24.97 to 34.98 over the past decade. While the company's 10-year median is 30.48 vs. the industry median of 34.67, Farmers Bank of Appomattox 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 34.67, 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. Farmers Bank of Appomattox's current Pretax Margin % of 19.87% is 42.7% 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 Farmers Bank of Appomattox and its competitors. For the Banks industry, the median Pretax Margin % is 34.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Farmers Bank of Appomattox's current Pretax Margin % is 19.87%, which is 35% below median its own 10-year median of 30.48. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Farmers Bank of Appomattox stock overvalued right now?
Based on GuruFocus' analysis, Farmers Bank of Appomattox (FBPA) is currently considered Fairly Valued. The stock's GF Value™ is $28.28, compared to a current price of $30.00 — trading 6.1% above its estimated fair value. The current Pretax Margin % is 19.87%, which is 35% below median its 10-year median of 30.48 and 42.7% below the Banks industry median of 34.67. Farmers Bank of Appomattox's overall GF Score™ is 68/100 with 5 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 Farmers Bank of Appomattox (FBPA), the current Pretax Margin % is 19.87% 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 Farmers Bank of Appomattox (FBPA) Overvalued in 2026?
Based on GuruFocus' analysis, Farmers Bank of Appomattox stock appears to be overvalued.
The current stock price of $30.00 is trading 6.1% above its estimated GF Value™ of $28.28.
GuruFocus considers Farmers Bank of Appomattox to be Fairly Valued.
Key valuation signals for FBPA:
Pretax Margin %: 19.87% (35% below median its 10-year median of 30.48)
GF Value™: $28.28 vs. price of $30.00 (6.1% above fair value)
Industry Position: 42.7% below the Banks median (#1078 of 1528)
No single metric tells the full story. See the FBPA stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Farmers Bank of Appomattox provides banking services. The company is engaged in personal and business banking services, including checking & savings, certificate of deposit, loans/mortgages, commercial checking, and commercial loans.
68GF Score
Get the complete analysis for FBPA
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
FBPA has been successfully added to your 
