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FSBHFSBH +0.36%59 Pretax Margin % is 24.82% as of Dec. 2025, which is 33% above its 10-year median of 18.61. GuruFocus rates FSBH with a GF Score™ of 59/100 and a GF Value™ of $10.17 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, FSBH ranks worse than 73.59% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. FSBH's Pre-Tax Income for the
six
months ended in Dec. 2025 was $3.87 Mil. FSBH's Revenue for the
six
months ended in Dec. 2025 was $15.58 Mil. Therefore, FSBH's pretax margin for the quarter that ended in Dec. 2025 was 24.82%.
The historical rank and industry rank for FSBH's Pretax Margin % or its related term are showing as below:
FSBH'
s Pretax Margin % Range Over the Past 10 Years
Min: -18.42 Med: 18.61 Max: 24.82
Current: 24.82
FSBH's Pretax Margin % is ranked worse than 73.59% of 1526
companies
in the Banks industry
Industry Median: 35.51
vs FSBH: 24.82
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.
FSBH Pretax Margin % Related Terms
FSBH Pretax Margin % Historical Data
* Premium members only.
The historical data trend for FSBH'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.
FSBH vs PVBK, TCBS, SCYT: Pretax Margin % Comparison
For the Banks - Regional subindustry, FSBH'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.
FSBH Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, FSBH's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where FSBH'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.
FSBH (FSBH) has a Pretax Margin % of 24.82% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on FSBH and its competitors. This is 33% above median its historical median of 18.61. According to the industry distribution chart, FSBH ranks #1123 out of 1526 companies in the Banks industry, placing it in the top 73.6%.
Is FSBH's Pretax Margin % too high?
FSBH's current Pretax Margin % of 24.82% is 33% above median its 10-year median of 18.61. The Banks industry median Pretax Margin % is 35.51. FSBH's value of 24.82% is 30.1% below this industry median. Based on the distribution chart, FSBH ranks #1123 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, FSBH has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does FSBH's Pretax Margin % compare to PVBK and TCBS?
According to the Banks industry distribution chart, FSBH ranks #1123 out of 1526 companies for Pretax Margin %. This places FSBH in the lower half of its industry. The industry median Pretax Margin % is 35.51. FSBH's value of 24.82% is 30.1% below this benchmark. While the company's 10-year median is 18.61 vs. the industry median of 35.51, FSBH 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 35.51, based on 1,526 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. FSBH's current Pretax Margin % of 24.82% is 30.1% 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 FSBH and its competitors. For the Banks industry, the median Pretax Margin % is 35.51 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. FSBH's current Pretax Margin % is 24.82%, which is 33% above median its own 10-year median of 18.61. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is FSBH stock overvalued right now?
Based on GuruFocus' analysis, FSBH (FSBH) is currently considered Significantly Overvalued. The stock's GF Value™ is $10.17, compared to a current price of $16.66 — trading 63.8% above its estimated fair value. The current Pretax Margin % is 24.82%, which is 33% above median its 10-year median of 18.61 and 30.1% below the Banks industry median of 35.51. FSBH's overall GF Score™ is 59/100 with 4 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 FSBH (FSBH), the current Pretax Margin % is 24.82% as of Dec. 2025. 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 FSBH (FSBH) Overvalued in 2026?
Based on GuruFocus' analysis, FSBH stock appears to be overvalued.
The current stock price of $16.66 is trading 63.8% above its estimated GF Value™ of $10.17.
GuruFocus considers FSBH to be Significantly Overvalued.
Key valuation signals for FSBH:
Pretax Margin %: 24.82% (33% above median its 10-year median of 18.61)
GF Value™: $10.17 vs. price of $16.66 (63.8% above fair value)
Industry Position: 30.1% below the Banks median (#1123 of 1526)
No single metric tells the full story. See the FSBH stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
FSBH Corp, formerly First Southern Bank (GA) operates as a bank. It provides a full range of banking services to individual and corporate customers in the markets and the surrounding counties. Its portfolio segments are: Real estate, which consists of Construction and development, Residential, Commercial, and Farmland; Commercial; and Consumer. It provides services such as E-Banking; Personal Banking; Business Banking; Insurance; Loans and Deposits; Credit cards and others.
59GF 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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