First Greenwich FinancialFGFI 67 Pretax Margin % is 31.22% as of Mar. 2026, which is 39% above its 10-year median of 22.40. GuruFocus rates FGFI with a GF Score™ of 67/100 and a GF Value™ of $21.09 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,530 Banks companies, First Greenwich Financial ranks worse than 74.18% on this metric.
The historical rank and industry rank for First Greenwich Financial's Pretax Margin % or its related term are showing as below:
FGFI'
s Pretax Margin % Range Over the Past 10 Years
Min: 14.22 Med: 22.4 Max: 43.17
Current: 24.23
FGFI's Pretax Margin % is ranked worse than 74.18% of 1530
companies
in the Banks industry
Industry Median: 34.655
vs FGFI: 24.23
First Greenwich Financial (OTCPK:FGFI) 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 Greenwich Financial Pretax Margin % Related Terms
First Greenwich Financial 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.
FGFI vs DENI, PVBK, TCBS: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Greenwich Financial'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 Greenwich Financial Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Greenwich Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Greenwich Financial'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 Greenwich Financial (FGFI) has a Pretax Margin % of 31.22% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Greenwich Financial and its competitors. This is 39% above median its historical median of 22.40. Over the past decade, First Greenwich Financial's Pretax Margin % has ranged from 14.22 to 43.17. According to the industry distribution chart, First Greenwich Financial ranks #1135 out of 1530 companies in the Banks industry, placing it in the top 74.2%.
Is First Greenwich Financial's Pretax Margin % too high?
First Greenwich Financial's current Pretax Margin % of 31.22% is 39% above median its 10-year median of 22.40. Over the past 10 years, this metric has ranged from a low of 14.22 to a high of 43.17. The Banks industry median Pretax Margin % is 34.66. First Greenwich Financial's value of 31.22% is 9.9% below this industry median. Based on the distribution chart, First Greenwich Financial ranks #1135 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, First Greenwich Financial has a GF Score™ of 67/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does First Greenwich Financial's Pretax Margin % compare to DENI and PVBK?
According to the Banks industry distribution chart, First Greenwich Financial ranks #1135 out of 1530 companies for Pretax Margin %. This places First Greenwich Financial in the lower half of its industry. The industry median Pretax Margin % is 34.66. First Greenwich Financial's value of 31.22% is 9.9% below this benchmark. Historically, First Greenwich Financial's own Pretax Margin % has ranged from 14.22 to 43.17 over the past decade. While the company's 10-year median is 22.40 vs. the industry median of 34.66, First Greenwich Financial 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 34.66, based on 1,530 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 Greenwich Financial's current Pretax Margin % of 31.22% is 9.9% 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 Greenwich Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.66 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Greenwich Financial's current Pretax Margin % is 31.22%, which is 39% above median its own 10-year median of 22.40. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Greenwich Financial stock overvalued right now?
Based on GuruFocus' analysis, First Greenwich Financial (FGFI) is currently considered Fairly Valued. The stock's GF Value™ is $21.09, compared to a current price of $19.65 — trading 6.8% below its estimated fair value. The current Pretax Margin % is 31.22%, which is 39% above median its 10-year median of 22.40 and 9.9% below the Banks industry median of 34.66. First Greenwich Financial's overall GF Score™ is 67/100 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 First Greenwich Financial (FGFI), the current Pretax Margin % is 31.22% 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 First Greenwich Financial (FGFI) Overvalued in 2026?
Based on GuruFocus' analysis, First Greenwich Financial stock appears to be undervalued.
The current stock price of $19.65 is trading 6.8% below its estimated GF Value™ of $21.09.
GuruFocus considers First Greenwich Financial to be Fairly Valued.
Key valuation signals for FGFI:
Pretax Margin %: 31.22% (39% above median its 10-year median of 22.40)
GF Value™: $21.09 vs. price of $19.65 (6.8% below fair value)
Industry Position: 9.9% below the Banks median (#1135 of 1530)
No single metric tells the full story. See the FGFI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Greenwich Financial Inc is a United States-based company engaged in attracting deposits from the general public and investing those deposits in residential & commercial real estate loans and consumer & small business loans. It offers services including Certificate of Deposit, Checking, Courier Service, Online Banking, Retirement Accounts, and Lending services, among others.
67GF Score
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