Great American BancorpGTPS 74 Pretax Margin % is 32.95% as of Dec. 2025, which is 64% above its 10-year median of 20.15. GuruFocus rates GTPS with a GF Score™ of 74/100 and a GF Value™ of $63.75 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, Great American Bancorp ranks worse than 55.34% on this metric.
The historical rank and industry rank for Great American Bancorp's Pretax Margin % or its related term are showing as below:
GTPS'
s Pretax Margin % Range Over the Past 10 Years
Min: 7.21 Med: 20.15 Max: 36.47
Current: 32.95
GTPS's Pretax Margin % is ranked worse than 55.34% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs GTPS: 32.95
Great American Bancorp (OTCPK:GTPS) 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.
Great American Bancorp Pretax Margin % Related Terms
Great American Bancorp Pretax Margin % Historical Data
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The historical data trend for Great American Bancorp'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.
GTPS vs MNBO, HRBK, ECLP: Pretax Margin % Comparison
For the Banks - Regional subindustry, Great American Bancorp'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.
Great American Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Great American Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Great American Bancorp'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.
Great American Bancorp (GTPS) has a Pretax Margin % of 32.95% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Great American Bancorp and its competitors. This is 64% above median its historical median of 20.15. Over the past decade, Great American Bancorp's Pretax Margin % has ranged from 7.21 to 36.47. According to the industry distribution chart, Great American Bancorp ranks #845 out of 1527 companies in the Banks industry, placing it in the top 55.3%.
Is Great American Bancorp's Pretax Margin % too high?
Great American Bancorp's current Pretax Margin % of 32.95% is 64% above median its 10-year median of 20.15. Over the past 10 years, this metric has ranged from a low of 7.21 to a high of 36.47. The Banks industry median Pretax Margin % is 34.88. Great American Bancorp's value of 32.95% is 5.5% below this industry median. Based on the distribution chart, Great American Bancorp ranks #845 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, Great American Bancorp has a GF Score™ of 74/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Great American Bancorp's Pretax Margin % compare to MNBO and HRBK?
According to the Banks industry distribution chart, Great American Bancorp ranks #845 out of 1527 companies for Pretax Margin %. This places Great American Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. Great American Bancorp's value of 32.95% is 5.5% below this benchmark. Historically, Great American Bancorp's own Pretax Margin % has ranged from 7.21 to 36.47 over the past decade. While the company's 10-year median is 20.15 vs. the industry median of 34.88, Great American Bancorp 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 34.88, 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. Great American Bancorp's current Pretax Margin % of 32.95% is 5.5% 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 Great American Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Great American Bancorp's current Pretax Margin % is 32.95%, which is 64% above median its own 10-year median of 20.15. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Great American Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Great American Bancorp (GTPS) is currently considered Modestly Overvalued. The stock's GF Value™ is $63.75, compared to a current price of $72.00 — trading 12.9% above its estimated fair value. The current Pretax Margin % is 32.95%, which is 64% above median its 10-year median of 20.15 and 5.5% below the Banks industry median of 34.88. Great American Bancorp's overall GF Score™ is 74/100 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 Great American Bancorp (GTPS), the current Pretax Margin % is 32.95% 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 Great American Bancorp (GTPS) Overvalued in 2026?
Based on GuruFocus' analysis, Great American Bancorp stock appears to be overvalued.
The current stock price of $72.00 is trading 12.9% above its estimated GF Value™ of $63.75.
GuruFocus considers Great American Bancorp to be Modestly Overvalued.
Key valuation signals for GTPS:
Pretax Margin %: 32.95% (64% above median its 10-year median of 20.15)
GF Value™: $63.75 vs. price of $72.00 (12.9% above fair value)
Industry Position: 5.5% below the Banks median (#845 of 1527)
No single metric tells the full story. See the GTPS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Great American Bancorp Inc is a holding company whose principal activity is the ownership and management of its wholly-owned subsidiary, First Federal Savings Bank of Champaign-Urbana (Bank). The Bank is engaged in providing a full range of banking and financial services to individual and corporate customers in Champaign County, Illinois. The Bank also provides full-service brokerage activities through a third-party broker-dealer and engages in the sale of tax-deferred annuities. The Bank's subsidiary offers insurance services to customers located in Illinois.
74GF Score
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