The historical rank and industry rank for First Business Financial Services's Pretax Margin % or its related term are showing as below:
FRA:45D'
s Pretax Margin % Range Over the Past 10 Years
Min: 18.01 Med: 30.12 Max: 41.71
Current: 35.67
FRA:45D's Pretax Margin % is ranked better than 52.09% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs FRA:45D: 35.67
First Business Financial Services (FRA:45D) 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 Business Financial Services Pretax Margin % Related Terms
First Business 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 Business Financial Services Pretax Margin % Chart
FRA:45D vs WCCB, BSRR, HBCP: Pretax Margin % Comparison
For the Banks - Regional subindustry, First Business 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 Business Financial Services Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, First Business Financial Services's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where First Business 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 Business Financial Services (FRA:45D) has a Pretax Margin % of 32.47% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on First Business Financial Services and its competitors. This is near median its historical median of 30.12. Over the past decade, First Business Financial Services' Pretax Margin % has ranged from 18.01 to 41.71. According to the industry distribution chart, First Business Financial Services ranks #733 out of 1530 companies in the Banks industry, placing it in the top 47.9%.
Is First Business Financial Services' Pretax Margin % too high?
First Business Financial Services' current Pretax Margin % of 32.47% is near median its 10-year median of 30.12. Over the past 10 years, this metric has ranged from a low of 18.01 to a high of 41.71. The Banks industry median Pretax Margin % is 34.72. First Business Financial Services' value of 32.47% is 6.5% below this industry median. Based on the distribution chart, First Business Financial Services ranks #733 out of 1530 companies in the Banks industry, which is above the industry midpoint. Overall, First Business Financial Services has a GF Score™ of 73/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Business Financial Services' Pretax Margin % compare to WCCB and BSRR?
According to the Banks industry distribution chart, First Business Financial Services ranks #733 out of 1530 companies for Pretax Margin %. This puts First Business Financial Services in the upper half of its industry. The industry median Pretax Margin % is 34.72. First Business Financial Services' value of 32.47% is 6.5% below this benchmark. Historically, First Business Financial Services' own Pretax Margin % has ranged from 18.01 to 41.71 over the past decade. While the company's 10-year median is 30.12 vs. the industry median of 34.72, First Business 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 34.72, 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 Business Financial Services's current Pretax Margin % of 32.47% is 6.5% 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 Business Financial Services and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Business Financial Services's current Pretax Margin % is 32.47%, which is near median its own 10-year median of 30.12. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Business Financial Services stock overvalued right now?
Based on GuruFocus' analysis, First Business Financial Services (FRA:45D) is currently considered Modestly Overvalued. The stock's GF Value™ is €47.26, compared to a current price of €56.50 — trading 19.6% above its estimated fair value. The current Pretax Margin % is 32.47%, which is near median its 10-year median of 30.12 and 6.5% below the Banks industry median of 34.72. First Business Financial Services' overall GF Score™ is 73/100 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 First Business Financial Services (FRA:45D), the current Pretax Margin % is 32.47% 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 Business Financial Services (FRA:45D) Overvalued in 2026?
Based on GuruFocus' analysis, First Business Financial Services stock appears to be overvalued.
The current stock price of €56.50 is trading 19.6% above its estimated GF Value™ of €47.26.
GuruFocus considers First Business Financial Services to be Modestly Overvalued.
Key valuation signals for FRA:45D:
Pretax Margin %: 32.47% (near median its 10-year median of 30.12)
GF Value™: €47.26 vs. price of €56.50 (19.6% above fair value)
Industry Position: 6.5% below the Banks median (#733 of 1530)
No single metric tells the full story. See the FRA:45D stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Business Financial Services Business Description
First Business Financial Services Inc operates as a bank holding company. The Bank operates as a business bank, delivering a full line of commercial banking products, including commercial loans and commercial real estate loans, to meet the specific needs of small and medium-sized businesses, business owners, executives, professionals, and high-net-worth individuals. The company's products and services include commercial lending, SBA lending and servicing, asset-based lending, equipment financing, factoring, trust, and investment services, treasury management services, and a broad range of deposit products. Geographically, all the business activity functioned through the region of the United States.
73GF 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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