MetroCity BanksharesFRA:7IR +2.58%71 Pretax Margin % is 59.43% as of Mar. 2026, which is 2% below its 10-year median of 60.81. GuruFocus rates FRA:7IR with a GF Score™ of 71/100 and a GF Value™ of €29.68 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,528 Banks companies, MetroCity Bankshares ranks better than 92.08% on this metric.
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.
MetroCity Bankshares Pretax Margin % Related Terms
MetroCity Bankshares Pretax Margin % Historical Data
* Premium members only.
The historical data trend for MetroCity Bankshares'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:7IR vs EQBK, ESQ, FSBC: Pretax Margin % Comparison
For the Banks - Regional subindustry, MetroCity Bankshares'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.
MetroCity Bankshares Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MetroCity Bankshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where MetroCity Bankshares'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.
MetroCity Bankshares (FRA:7IR) has a Pretax Margin % of 59.43% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on MetroCity Bankshares and its competitors. This is near median its historical median of 60.81. Over the past decade, MetroCity Bankshares' Pretax Margin % has ranged from 53.31 to 67.73. According to the industry distribution chart, MetroCity Bankshares ranks #121 out of 1528 companies in the Banks industry, placing it in the top 7.9%.
Is MetroCity Bankshares' Pretax Margin % too high?
MetroCity Bankshares' current Pretax Margin % of 59.43% is near median its 10-year median of 60.81. Over the past 10 years, this metric has ranged from a low of 53.31 to a high of 67.73. The Banks industry median Pretax Margin % is 34.72. MetroCity Bankshares' value of 59.43% is 71.2% above this industry median. Based on the distribution chart, MetroCity Bankshares ranks #121 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, MetroCity Bankshares has a GF Score™ of 71/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does MetroCity Bankshares' Pretax Margin % compare to EQBK and ESQ?
According to the Banks industry distribution chart, MetroCity Bankshares ranks #121 out of 1528 companies for Pretax Margin %. This places MetroCity Bankshares in the top 8% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. MetroCity Bankshares' value of 59.43% is 71.2% above this benchmark. Historically, MetroCity Bankshares' own Pretax Margin % has ranged from 53.31 to 67.73 over the past decade. While the company's 10-year median is 60.81 vs. the industry median of 34.72, MetroCity Bankshares 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 34.72, based on 1,528 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. MetroCity Bankshares's current Pretax Margin % of 59.43% is 71.2% 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 MetroCity Bankshares 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. MetroCity Bankshares's current Pretax Margin % is 59.43%, which is near median its own 10-year median of 60.81. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MetroCity Bankshares stock overvalued right now?
Based on GuruFocus' analysis, MetroCity Bankshares (FRA:7IR) is currently considered Fairly Valued. The stock's GF Value™ is €29.68, compared to a current price of €31.80 — trading 7.1% above its estimated fair value. The current Pretax Margin % is 59.43%, which is near median its 10-year median of 60.81 and 71.2% above the Banks industry median of 34.72. MetroCity Bankshares' overall GF Score™ is 71/100 with 7 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 MetroCity Bankshares (FRA:7IR), the current Pretax Margin % is 59.43% 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 MetroCity Bankshares (FRA:7IR) Overvalued in 2026?
Based on GuruFocus' analysis, MetroCity Bankshares stock appears to be overvalued.
The current stock price of €31.80 is trading 7.1% above its estimated GF Value™ of €29.68.
GuruFocus considers MetroCity Bankshares to be Fairly Valued.
Key valuation signals for FRA:7IR:
Pretax Margin %: 59.43% (near median its 10-year median of 60.81)
GF Value™: €29.68 vs. price of €31.80 (7.1% above fair value)
Industry Position: 71.2% above the Banks median (#121 of 1528)
No single metric tells the full story. See the FRA:7IR stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MetroCity Bankshares Inc is a bank holding company. Through its banking subsidiary, it operates as a full-service commercial bank focused on delivering various financial products and services to the small-to medium-sized businesses and individuals in its markets, including many customers in diverse and multi-ethnic communities in metropolitan markets in the Eastern U.S., Texas and California. The company provides commercial banking services such as consumer and commercial checking accounts, savings accounts, certificates of deposits, commercial and consumer loans, money transfers, and a variety of other banking services. The majority of its revenue is generated in the form of interest income.
71GF Score
Get the complete analysis for FRA:7IR
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:7IR has been successfully added to your 
