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Luzhou Bank CoHKSE:01983 -0.67%82 Pretax Margin % is 35.89% as of Dec. 2025, which is 7% above its 10-year median of 33.68. GuruFocus rates HKSE:01983 with a GF Score™ of 82/100 and a GF Value™ of HK$2.58 (Modestly Undervalued). The stock has 2 warning signs investors should review. Among 1,525 Banks companies, Luzhou Bank Co ranks better than 65.18% on this metric.
Luzhou Bank Co (HKSE:01983) 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.
Luzhou Bank Co Pretax Margin % Related Terms
Luzhou Bank Co Pretax Margin % Historical Data
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The historical data trend for Luzhou Bank Co'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.
Luzhou Bank Co Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Luzhou Bank Co'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.
Luzhou Bank Co Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Luzhou Bank Co's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Luzhou Bank Co'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.
Luzhou Bank Co (HKSE:01983) has a Pretax Margin % of 35.89% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Luzhou Bank Co and its competitors. This is near median its historical median of 33.68. Over the past decade, Luzhou Bank Co's Pretax Margin % has ranged from 26.48 to 55.20. According to the industry distribution chart, Luzhou Bank Co ranks #531 out of 1525 companies in the Banks industry, placing it in the top 34.8%.
Is Luzhou Bank Co's Pretax Margin % too high?
Luzhou Bank Co's current Pretax Margin % of 35.89% is near median its 10-year median of 33.68. Over the past 10 years, this metric has ranged from a low of 26.48 to a high of 55.20. The Banks industry median Pretax Margin % is 35.57. Luzhou Bank Co's value of 35.89% is 0.9% above this industry median. Based on the distribution chart, Luzhou Bank Co ranks #531 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Luzhou Bank Co has a GF Score™ of 82/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Luzhou Bank Co's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Luzhou Bank Co ranks #531 out of 1525 companies for Pretax Margin %. This puts Luzhou Bank Co in the upper half of its industry. The industry median Pretax Margin % is 35.57. Luzhou Bank Co's value of 35.89% is 0.9% above this benchmark. Historically, Luzhou Bank Co's own Pretax Margin % has ranged from 26.48 to 55.20 over the past decade. While the company's 10-year median is 33.68 vs. the industry median of 35.57, Luzhou Bank Co 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 35.57, based on 1,525 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. Luzhou Bank Co's current Pretax Margin % of 35.89% is 0.9% 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 Luzhou Bank Co and its competitors. For the Banks industry, the median Pretax Margin % is 35.57 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Luzhou Bank Co's current Pretax Margin % is 35.89%, which is near median its own 10-year median of 33.68. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Luzhou Bank Co stock overvalued right now?
Based on GuruFocus' analysis, Luzhou Bank Co (HKSE:01983) is currently considered Modestly Undervalued. The stock's GF Value™ is HK$2.58, compared to a current price of HK$2.22 — trading 14.1% below its estimated fair value. The current Pretax Margin % is 35.89%, which is near median its 10-year median of 33.68 and 0.9% above the Banks industry median of 35.57. Luzhou Bank Co's overall GF Score™ is 82/100 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 Luzhou Bank Co (HKSE:01983), the current Pretax Margin % is 35.89% 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 Luzhou Bank Co (HKSE:01983) Overvalued in 2026?
Based on GuruFocus' analysis, Luzhou Bank Co stock appears to be undervalued.
The current stock price of HK$2.22 is trading 14.1% below its estimated GF Value™ of HK$2.58.
GuruFocus considers Luzhou Bank Co to be Modestly Undervalued.
Key valuation signals for HKSE:01983:
Pretax Margin %: 35.89% (near median its 10-year median of 33.68)
GF Value™: HK$2.58 vs. price of HK$2.22 (14.1% below fair value)
Industry Position: 0.9% above the Banks median (#531 of 1525)
No single metric tells the full story. See the HKSE:01983 stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Luzhou Bank Co Ltd is a commercial bank in Luzhou, providing financial services to its customers. The company's services include deposits, loans, e-banking, interbank finance, investment and financial management, deposit business, convenience finance, phone banking, personal online banking, and mobile banking. The operating business segments are Corporate Banking, Retail Banking, Financial Markets, and Others. The majority of revenue is derived from the Corporate banking segment.
82GF Score
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