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Greenville Federal FinancialGVFF +7.94%65 Pretax Margin % is 4.90% as of Mar. 2026, which is 29% below its 10-year median of 6.90. GuruFocus rates GVFF with a GF Score™ of 65/100 and a GF Value™ of $7.74 (Fairly Valued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, Greenville Federal Financial ranks worse than 94.89% on this metric.
The historical rank and industry rank for Greenville Federal Financial's Pretax Margin % or its related term are showing as below:
GVFF'
s Pretax Margin % Range Over the Past 10 Years
Min: -62.03 Med: 6.9 Max: 14.71
Current: 3.16
GVFF's Pretax Margin % is ranked worse than 94.89% of 1527
companies
in the Banks industry
Industry Median: 35.2
vs GVFF: 3.16
Greenville Federal Financial (OTCPK:GVFF) 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.
Greenville Federal Financial Pretax Margin % Related Terms
Greenville Federal Financial 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.
Greenville Federal Financial Pretax Margin % Chart
GVFF vs GLBZ, FNFI, ASCN: Pretax Margin % Comparison
For the Banks - Regional subindustry, Greenville Federal Financial'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.
Greenville Federal Financial Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Greenville Federal Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Greenville Federal Financial'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.
Greenville Federal Financial (GVFF) has a Pretax Margin % of 4.90% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Greenville Federal Financial and its competitors. This is 29% below median its historical median of 6.90. According to the industry distribution chart, Greenville Federal Financial ranks #1449 out of 1527 companies in the Banks industry, placing it in the top 94.9%.
Is Greenville Federal Financial's Pretax Margin % too high?
Greenville Federal Financial's current Pretax Margin % of 4.90% is 29% below median its 10-year median of 6.90. The Banks industry median Pretax Margin % is 35.20. Greenville Federal Financial's value of 4.90% is 86.1% below this industry median. Based on the distribution chart, Greenville Federal Financial ranks #1449 out of 1527 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Greenville Federal Financial has a GF Score™ of 65/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Greenville Federal Financial's Pretax Margin % compare to GLBZ and FNFI?
According to the Banks industry distribution chart, Greenville Federal Financial ranks #1449 out of 1527 companies for Pretax Margin %. This places Greenville Federal Financial in the lower half of its industry. The industry median Pretax Margin % is 35.20. Greenville Federal Financial's value of 4.90% is 86.1% below this benchmark. While the company's 10-year median is 6.90 vs. the industry median of 35.20, Greenville Federal Financial 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 35.20, 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. Greenville Federal Financial's current Pretax Margin % of 4.90% is 86.1% 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 Greenville Federal Financial and its competitors. For the Banks industry, the median Pretax Margin % is 35.20 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Greenville Federal Financial's current Pretax Margin % is 4.90%, which is 29% below median its own 10-year median of 6.90. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Greenville Federal Financial stock overvalued right now?
Based on GuruFocus' analysis, Greenville Federal Financial (GVFF) is currently considered Fairly Valued. The stock's GF Value™ is $7.74, compared to a current price of $7.34 — trading 5.2% below its estimated fair value. The current Pretax Margin % is 4.90%, which is 29% below median its 10-year median of 6.90 and 86.1% below the Banks industry median of 35.20. Greenville Federal Financial's overall GF Score™ is 65/100 with 2 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 Greenville Federal Financial (GVFF), the current Pretax Margin % is 4.90% 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 Greenville Federal Financial (GVFF) Overvalued in 2026?
Based on GuruFocus' analysis, Greenville Federal Financial stock appears to be undervalued.
The current stock price of $7.34 is trading 5.2% below its estimated GF Value™ of $7.74.
GuruFocus considers Greenville Federal Financial to be Fairly Valued.
Key valuation signals for GVFF:
Pretax Margin %: 4.90% (29% below median its 10-year median of 6.90)
GF Value™: $7.74 vs. price of $7.34 (5.2% below fair value)
Industry Position: 86.1% below the Banks median (#1449 of 1527)
No single metric tells the full story. See the GVFF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Greenville Federal Financial Corporation is engaged in providing financial services. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, commercial real estate and consumer loans. It offers services through its main and branch offices in Greenville, Ohio, and branch offices in Troy, Ohio, and Tipp City, Ohio.
65GF 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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