JSB FinancialJFWV 61 Pretax Margin % is 29.83% as of Dec. 2025, which is at its 10-year median of 29.83. GuruFocus rates JFWV with a GF Score™ of 61/100 and a GF Value™ of $113.47 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,528 Banks companies, JSB Financial ranks worse than 63.22% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. JSB Financial's Pre-Tax Income for the
six
months ended in Dec. 2025 was $5.20 Mil. JSB Financial's Revenue for the
six
months ended in Dec. 2025 was $17.41 Mil. Therefore, JSB Financial's pretax margin for the quarter that ended in Dec. 2025 was 29.83%.
The historical rank and industry rank for JSB Financial's Pretax Margin % or its related term are showing as below:
JFWV'
s Pretax Margin % Range Over the Past 10 Years
Min: 22.56 Med: 29.83 Max: 33.81
Current: 29.83
JFWV's Pretax Margin % is ranked worse than 63.22% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs JFWV: 29.83
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.
JSB Financial Pretax Margin % Related Terms
JSB Financial Pretax Margin % Historical Data
* Premium members only.
The historical data trend for JSB Financial'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.
JFWV vs RBNK, WOBK, FBPA: Pretax Margin % Comparison
For the Banks - Regional subindustry, JSB 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.
JSB Financial Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, JSB Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where JSB 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.
JSB Financial (JFWV) has a Pretax Margin % of 29.83% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on JSB Financial and its competitors. This is near median its historical median of 29.83. Over the past decade, JSB Financial's Pretax Margin % has ranged from 22.56 to 33.81. According to the industry distribution chart, JSB Financial ranks #966 out of 1528 companies in the Banks industry, placing it in the top 63.2%.
Is JSB Financial's Pretax Margin % too high?
JSB Financial's current Pretax Margin % of 29.83% is near median its 10-year median of 29.83. Over the past 10 years, this metric has ranged from a low of 22.56 to a high of 33.81. The Banks industry median Pretax Margin % is 34.72. JSB Financial's value of 29.83% is 14.1% below this industry median. Based on the distribution chart, JSB Financial ranks #966 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, JSB Financial has a GF Score™ of 61/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does JSB Financial's Pretax Margin % compare to RBNK and WOBK?
According to the Banks industry distribution chart, JSB Financial ranks #966 out of 1528 companies for Pretax Margin %. This places JSB Financial in the lower half of its industry. The industry median Pretax Margin % is 34.72. JSB Financial's value of 29.83% is 14.1% below this benchmark. Historically, JSB Financial's own Pretax Margin % has ranged from 22.56 to 33.81 over the past decade. While the company's 10-year median is 29.83 vs. the industry median of 34.72, JSB 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 34.72, based on 1,528 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. JSB Financial's current Pretax Margin % of 29.83% is 14.1% 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 JSB Financial and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. JSB Financial's current Pretax Margin % is 29.83%, which is near median its own 10-year median of 29.83. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is JSB Financial stock overvalued right now?
Based on GuruFocus' analysis, JSB Financial (JFWV) is currently considered Fairly Valued. The stock's GF Value™ is $113.47, compared to a current price of $122.00 — trading 7.5% above its estimated fair value. The current Pretax Margin % is 29.83%, which is near median its 10-year median of 29.83 and 14.1% below the Banks industry median of 34.72. JSB Financial's overall GF Score™ is 61/100 with 3 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 JSB Financial (JFWV), the current Pretax Margin % is 29.83% 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 JSB Financial (JFWV) Overvalued in 2026?
Based on GuruFocus' analysis, JSB Financial stock appears to be overvalued.
The current stock price of $122.00 is trading 7.5% above its estimated GF Value™ of $113.47.
GuruFocus considers JSB Financial to be Fairly Valued.
Key valuation signals for JFWV:
Pretax Margin %: 29.83% (near median its 10-year median of 29.83)
GF Value™: $113.47 vs. price of $122.00 (7.5% above fair value)
Industry Position: 14.1% below the Banks median (#966 of 1528)
No single metric tells the full story. See the JFWV stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
JSB Financial Inc provides banking products and services to individuals, agricultural businesses, small and medium enterprises, local government entities, and nonprofit organizations through its offices in Jefferson and Berkeley Counties, West Virginia, and Washington County, Maryland. It operates through a single community banking segment, offering deposit products such as checking, savings, time, and money market accounts, along with personal, credit card, commercial, construction, and real estate loans, and services like safe deposit boxes and wire transfers. Revenue is mainly generated from interest income on loans and investment securities, as well as fees and other income.
61GF Score
Get the complete analysis for JFWV
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
JFWV has been successfully added to your 
