FFB BancorpFFBB +0.12%79 Pretax Margin % is 28.53% as of Mar. 2026, which is 39% below its 10-year median of 46.90. GuruFocus rates FFBB with a GF Score™ of 79/100 and a GF Value™ of $92.13 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, FFB Bancorp ranks worse than 60.25% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. FFB Bancorp's Pre-Tax Income for the
three
months ended in Mar. 2026 was $6.16 Mil. FFB Bancorp's Revenue for the
three
months ended in Mar. 2026 was $21.60 Mil. Therefore, FFB Bancorp's pretax margin for the quarter that ended in Mar. 2026 was 28.53%.
The historical rank and industry rank for FFB Bancorp's Pretax Margin % or its related term are showing as below:
FFBB'
s Pretax Margin % Range Over the Past 10 Years
Min: 30.98 Med: 46.9 Max: 61.32
Current: 30.98
FFBB's Pretax Margin % is ranked worse than 60.25% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs FFBB: 30.98
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.
FFB Bancorp Pretax Margin % Related Terms
FFB Bancorp Pretax Margin % Historical Data
* Premium members only.
The historical data trend for FFB Bancorp'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.
FFBB vs WNEB, FDBC, FRAF: Pretax Margin % Comparison
For the Banks - Regional subindustry, FFB Bancorp'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.
FFB Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FFB Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where FFB Bancorp'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.
FFB Bancorp (FFBB) has a Pretax Margin % of 28.53% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on FFB Bancorp and its competitors. This is 39% below median its historical median of 46.90. Over the past decade, FFB Bancorp's Pretax Margin % has ranged from 30.98 to 61.32. According to the industry distribution chart, FFB Bancorp ranks #920 out of 1527 companies in the Banks industry, placing it in the top 60.2%.
Is FFB Bancorp's Pretax Margin % too high?
FFB Bancorp's current Pretax Margin % of 28.53% is 39% below median its 10-year median of 46.90. Over the past 10 years, this metric has ranged from a low of 30.98 to a high of 61.32. The Banks industry median Pretax Margin % is 34.88. FFB Bancorp's value of 28.53% is 18.2% below this industry median. Based on the distribution chart, FFB Bancorp ranks #920 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, FFB Bancorp has a GF Score™ of 79/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does FFB Bancorp's Pretax Margin % compare to WNEB and FDBC?
According to the Banks industry distribution chart, FFB Bancorp ranks #920 out of 1527 companies for Pretax Margin %. This places FFB Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. FFB Bancorp's value of 28.53% is 18.2% below this benchmark. Historically, FFB Bancorp's own Pretax Margin % has ranged from 30.98 to 61.32 over the past decade. While the company's 10-year median is 46.90 vs. the industry median of 34.88, FFB Bancorp 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. FFB Bancorp's current Pretax Margin % of 28.53% is 18.2% 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 FFB Bancorp 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. FFB Bancorp's current Pretax Margin % is 28.53%, which is 39% below median its own 10-year median of 46.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FFB Bancorp stock overvalued right now?
Based on GuruFocus' analysis, FFB Bancorp (FFBB) is currently considered Fairly Valued. The stock's GF Value™ is $92.13, compared to a current price of $85.26 — trading 7.5% below its estimated fair value. The current Pretax Margin % is 28.53%, which is 39% below median its 10-year median of 46.90 and 18.2% below the Banks industry median of 34.88. FFB Bancorp's overall GF Score™ is 79/100 with 2 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 FFB Bancorp (FFBB), the current Pretax Margin % is 28.53% 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 FFB Bancorp (FFBB) Overvalued in 2026?
Based on GuruFocus' analysis, FFB Bancorp stock appears to be undervalued.
The current stock price of $85.26 is trading 7.5% below its estimated GF Value™ of $92.13.
GuruFocus considers FFB Bancorp to be Fairly Valued.
Key valuation signals for FFBB:
Pretax Margin %: 28.53% (39% below median its 10-year median of 46.90)
GF Value™: $92.13 vs. price of $85.26 (7.5% below fair value)
Industry Position: 18.2% below the Banks median (#920 of 1527)
No single metric tells the full story. See the FFBB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FFB Bancorp operates as a bank. It provides a full range of banking services such as checking, savings, certificates of deposits, loans and credits, online banking, mobile banking, debit cards, cash management services, and remote deposit capture service. It generates revenue in the form of interest income.
79GF Score
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Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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