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.
Southside BancsharesFRA:SU7 +1.38%64 Pretax Margin % is 45.88% as of Jun. 2026, which is 15% above its 10-year median of 40.06. GuruFocus rates FRA:SU7 with a GF Score™ of 64/100 and a GF Value™ of €29.13 (Fairly Valued). The stock has 7 warning signs investors should review. Among 1,527 Banks companies, Southside Bancshares ranks better than 53.63% 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.
Southside Bancshares Pretax Margin % Related Terms
Southside Bancshares Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Southside Bancshares'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:SU7 vs BFST, MBWM, CCNE: Pretax Margin % Comparison
For the Banks - Regional subindustry, Southside Bancshares'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.
Southside Bancshares Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Southside Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Southside Bancshares'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.
Southside Bancshares (FRA:SU7) has a Pretax Margin % of 45.88% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Southside Bancshares and its competitors. This is 15% above median its historical median of 40.06. Over the past decade, Southside Bancshares' Pretax Margin % has ranged from 33.94 to 54.76. According to the industry distribution chart, Southside Bancshares ranks #708 out of 1527 companies in the Banks industry, placing it in the top 46.4%.
Is Southside Bancshares' Pretax Margin % too high?
Southside Bancshares' current Pretax Margin % of 45.88% is 15% above median its 10-year median of 40.06. Over the past 10 years, this metric has ranged from a low of 33.94 to a high of 54.76. The Banks industry median Pretax Margin % is 35.25. Southside Bancshares' value of 45.88% is 30.2% above this industry median. Based on the distribution chart, Southside Bancshares ranks #708 out of 1527 companies in the Banks industry, which is above the industry midpoint. Overall, Southside Bancshares has a GF Score™ of 64/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Southside Bancshares' Pretax Margin % compare to BFST and MBWM?
According to the Banks industry distribution chart, Southside Bancshares ranks #708 out of 1527 companies for Pretax Margin %. This puts Southside Bancshares in the upper half of its industry. The industry median Pretax Margin % is 35.25. Southside Bancshares' value of 45.88% is 30.2% above this benchmark. Historically, Southside Bancshares' own Pretax Margin % has ranged from 33.94 to 54.76 over the past decade. While the company's 10-year median is 40.06 vs. the industry median of 35.25, Southside Bancshares 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 35.25, 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. Southside Bancshares's current Pretax Margin % of 45.88% is 30.2% 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 Southside Bancshares and its competitors. For the Banks industry, the median Pretax Margin % is 35.25 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Southside Bancshares's current Pretax Margin % is 45.88%, which is 15% above median its own 10-year median of 40.06. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Southside Bancshares stock overvalued right now?
Based on GuruFocus' analysis, Southside Bancshares (FRA:SU7) is currently considered Fairly Valued. The stock's GF Value™ is €29.13, compared to a current price of €29.40 — trading 0.9% above its estimated fair value. The current Pretax Margin % is 45.88%, which is 15% above median its 10-year median of 40.06 and 30.2% above the Banks industry median of 35.25. Southside Bancshares' overall GF Score™ is 64/100 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 Southside Bancshares (FRA:SU7), the current Pretax Margin % is 45.88% as of Jun. 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 Southside Bancshares (FRA:SU7) Overvalued in 2026?
Based on GuruFocus' analysis, Southside Bancshares stock appears to be overvalued.
The current stock price of €29.40 is trading 0.9% above its estimated GF Value™ of €29.13.
GuruFocus considers Southside Bancshares to be Fairly Valued.
Key valuation signals for FRA:SU7:
Pretax Margin %: 45.88% (15% above median its 10-year median of 40.06)
GF Value™: €29.13 vs. price of €29.40 (0.9% above fair value)
Industry Position: 30.2% above the Banks median (#708 of 1527)
No single metric tells the full story. See the FRA:SU7 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Southside Bancshares Inc is a bank holding company. Through its subsidiary, it operates as a financial institution offering various financial services to individuals, businesses, municipal entities, and nonprofit organizations. These services include consumer and commercial loans, deposit accounts, wealth management and trust services, brokerage services, and safe deposit services. The company's primary market areas are East Texas, Southeast Texas, and the greater Dallas-Fort Worth, Austin, and Houston, Texas.
64GF Score
Get the complete analysis for FRA:SU7
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:SU7 has been successfully added to your 
