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.
CNB FinancialFRA:44I +1.38%58 Pretax Margin % is 40.50% as of Mar. 2026, which is 23% above its 10-year median of 32.82. GuruFocus rates FRA:44I with a GF Score™ of 58/100 and a GF Value™ of €20.22. The stock has 6 warning signs investors should review. Among 1,527 Banks companies, CNB Financial ranks better than 52.85% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. CNB Financial's Pre-Tax Income for the
three
months ended in Mar. 2026 was €28.7 Mil. CNB Financial's Revenue for the
three
months ended in Mar. 2026 was €70.8 Mil. Therefore, CNB Financial's pretax margin for the quarter that ended in Mar. 2026 was 40.50%.
The historical rank and industry rank for CNB Financial's Pretax Margin % or its related term are showing as below:
FRA:44I'
s Pretax Margin % Range Over the Past 10 Years
Min: 25.11 Med: 32.82 Max: 37.37
Current: 36.19
FRA:44I's Pretax Margin % is ranked better than 52.85% of 1527
companies
in the Banks industry
Industry Median: 35.2
vs FRA:44I: 36.19
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.
CNB Financial Pretax Margin % Related Terms
CNB Financial Pretax Margin % Historical Data
* Premium members only.
The historical data trend for CNB Financial'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.
FRA:44I vs BFST, AMTB, FBAK: Pretax Margin % Comparison
For the Banks - Regional subindustry, CNB 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.
CNB Financial Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, CNB Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where CNB 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.
CNB Financial (FRA:44I) has a Pretax Margin % of 40.50% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on CNB Financial and its competitors. This is 23% above median its historical median of 32.82. Over the past decade, CNB Financial's Pretax Margin % has ranged from 25.11 to 37.37. According to the industry distribution chart, CNB Financial ranks #720 out of 1527 companies in the Banks industry, placing it in the top 47.2%.
Is CNB Financial's Pretax Margin % too high?
CNB Financial's current Pretax Margin % of 40.50% is 23% above median its 10-year median of 32.82. Over the past 10 years, this metric has ranged from a low of 25.11 to a high of 37.37. The Banks industry median Pretax Margin % is 35.20. CNB Financial's value of 40.50% is 15.1% above this industry median. Based on the distribution chart, CNB Financial ranks #720 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, CNB Financial has a GF Score™ of 58/100, reflecting its overall financial health beyond just this single metric.
How does CNB Financial's Pretax Margin % compare to BFST and AMTB?
According to the Banks industry distribution chart, CNB Financial ranks #720 out of 1527 companies for Pretax Margin %. This puts CNB Financial in the upper half of its industry. The industry median Pretax Margin % is 35.20. CNB Financial's value of 40.50% is 15.1% above this benchmark. Historically, CNB Financial's own Pretax Margin % has ranged from 25.11 to 37.37 over the past decade. While the company's 10-year median is 32.82 vs. the industry median of 35.20, CNB Financial has consistently been above 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 35.20, 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. CNB Financial's current Pretax Margin % of 40.50% is 15.1% above 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 CNB Financial and its competitors. For the Banks industry, the median Pretax Margin % is 35.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. CNB Financial's current Pretax Margin % is 40.50%, which is 23% above median its own 10-year median of 32.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is CNB Financial stock overvalued right now?
CNB Financial (FRA:44I) has a current Pretax Margin % of 40.50%. The stock's GF Value™ is €20.22, compared to a current price of €29.40 — trading 45.4% above its estimated fair value. The current Pretax Margin % is 40.50%, which is 23% above median its 10-year median of 32.82 and 15.1% above the Banks industry median of 35.20. CNB Financial'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 CNB Financial (FRA:44I), the current Pretax Margin % is 40.50% 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 CNB Financial (FRA:44I) Overvalued in 2026?
Based on GuruFocus' analysis, CNB Financial stock appears to be overvalued.
The current stock price of €29.40 is trading 45.4% above its estimated GF Value™ of €20.22.
Key valuation signals for FRA:44I:
Pretax Margin %: 40.50% (23% above median its 10-year median of 32.82)
GF Value™: €20.22 vs. price of €29.40 (45.4% above fair value)
Industry Position: 15.1% above the Banks median (#720 of 1527)
No single metric tells the full story. See the FRA:44I stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
CNB Financial Corp is a Pennsylvania-chartered bank. The bank is a full-service bank engaging in a full range of banking activities and services for individual, business, governmental and institutional customers. These activities and services principally include checking, savings, and time deposit accounts; real estate, commercial, industrial, residential and consumer loans; and a variety of other specialized financial services. Its Private Client Solutions division offers a full range of client services, including private banking and wealth and asset management. The banking segment derives its revenue through the operations as a full-service bank services, including trust and wealth management services, for individual, business, governmental, and institutional customers.
58GF Score
Get the complete analysis for FRA:44I
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
FRA:44I has been successfully added to your 
