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.
First Carolina Financial ServicesFCBM +0.97%10 Pretax Margin % is 11.29% as of Dec. 2025, which is 69% below its 10-year median of 36.96. GuruFocus rates FCBM with a GF Scoreâ„¢ of 10/100. Among 1,526 Banks companies, First Carolina Financial Services ranks worse than 89.78% on this metric.
First Carolina Financial Services (NYSE:FCBM) 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.
First Carolina Financial Services Pretax Margin % Related Terms
First Carolina Financial Services 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.
First Carolina Financial Services Pretax Margin % Chart
First Carolina Financial Services Annual Data
Trend
Dec23
Dec24
Dec25
Pretax Margin %
39.17
36.96
11.29
First Carolina Financial Services Semi-Annual Data
Dec23
Dec24
Dec25
Pretax Margin %
39.17
36.96
11.29
FCBM vs FRST, PKBK, CHMG: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Carolina Financial Services'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.
First Carolina Financial Services Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Carolina Financial Services's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Carolina Financial Services'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.
First Carolina Financial Services (FCBM) has a Pretax Margin % of 11.29% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Carolina Financial Services and its competitors. This is 69% below median its historical median of 36.96. Over the past decade, First Carolina Financial Services' Pretax Margin % has ranged from 11.29 to 39.17. According to the industry distribution chart, First Carolina Financial Services ranks #1370 out of 1526 companies in the Banks industry, placing it in the top 89.8%.
Is First Carolina Financial Services' Pretax Margin % too high?
First Carolina Financial Services' current Pretax Margin % of 11.29% is 69% below median its 10-year median of 36.96. Over the past 10 years, this metric has ranged from a low of 11.29 to a high of 39.17. The Banks industry median Pretax Margin % is 35.25. First Carolina Financial Services' value of 11.29% is 68% below this industry median. Based on the distribution chart, First Carolina Financial Services ranks #1370 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, First Carolina Financial Services has a GF Scoreâ„¢ of 10/100, reflecting its overall financial health beyond just this single metric.
How does First Carolina Financial Services' Pretax Margin % compare to FRST and PKBK?
According to the Banks industry distribution chart, First Carolina Financial Services ranks #1370 out of 1526 companies for Pretax Margin %. This places First Carolina Financial Services in the lower half of its industry. The industry median Pretax Margin % is 35.25. First Carolina Financial Services' value of 11.29% is 68% below this benchmark. Historically, First Carolina Financial Services' own Pretax Margin % has ranged from 11.29 to 39.17 over the past decade. While the company's 10-year median is 36.96 vs. the industry median of 35.25, First Carolina Financial Services 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. First Carolina Financial Services's current Pretax Margin % of 11.29% is 68% 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 First Carolina Financial Services 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. First Carolina Financial Services's current Pretax Margin % is 11.29%, which is 69% below median its own 10-year median of 36.96. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Carolina Financial Services stock overvalued right now?
First Carolina Financial Services (FCBM) has a current Pretax Margin % of 11.29%. The current Pretax Margin % is 11.29%, which is 69% below median its 10-year median of 36.96 and 68% below the Banks industry median of 35.25. First Carolina Financial Services' overall GF Score™ is 10/100. 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 First Carolina Financial Services (FCBM), the current Pretax Margin % is 11.29% 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.
First Carolina Financial Services Inc is a bank holding company. The company's activities consist of managing and owning the Bank and its direct and indirect subsidiaries. The Bank provides commercial banking, payment, consumer banking, and wealth management services to small and medium-sized businesses, individuals, professionals, as well as institutions of higher education. It has four primary lines of business: Commercial Banking, Payments, Consumer Banking and Wealth Management. The reportable segments are Community Banking and BM Tech. The majority of revenue is derived from the Community Banking segment, which comprises activities of a traditional banking institution, gathering deposits and originating loans for portfolio in its respective primary market areas.
10GF Score
Get the complete analysis for FCBM
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
FCBM has been successfully added to your 
