Ledyard Financial GroupLFGP 62 Pretax Margin % is 15.90% as of Mar. 2026, which is 26% below its 10-year median of 21.58. GuruFocus rates LFGP with a GF Score™ of 62/100 and a GF Value™ of $20.39 (Modestly Undervalued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Ledyard Financial Group ranks worse than 84.14% on this metric.
The historical rank and industry rank for Ledyard Financial Group's Pretax Margin % or its related term are showing as below:
LFGP'
s Pretax Margin % Range Over the Past 10 Years
Min: 8.89 Med: 21.58 Max: 25.44
Current: 17.34
LFGP's Pretax Margin % is ranked worse than 84.14% of 1526
companies
in the Banks industry
Industry Median: 34.885
vs LFGP: 17.34
Ledyard Financial Group (OTCPK:LFGP) 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.
Ledyard Financial Group Pretax Margin % Related Terms
Ledyard Financial Group 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.
LFGP vs BAOB, NIDB, NEFB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Ledyard Financial Group'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.
Ledyard Financial Group Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Ledyard Financial Group's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Ledyard Financial Group'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.
Ledyard Financial Group (LFGP) has a Pretax Margin % of 15.90% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Ledyard Financial Group and its competitors. This is 26% below median its historical median of 21.58. Over the past decade, Ledyard Financial Group's Pretax Margin % has ranged from 8.89 to 25.44. According to the industry distribution chart, Ledyard Financial Group ranks #1284 out of 1526 companies in the Banks industry, placing it in the top 84.1%.
Is Ledyard Financial Group's Pretax Margin % too high?
Ledyard Financial Group's current Pretax Margin % of 15.90% is 26% below median its 10-year median of 21.58. Over the past 10 years, this metric has ranged from a low of 8.89 to a high of 25.44. The Banks industry median Pretax Margin % is 34.89. Ledyard Financial Group's value of 15.90% is 54.4% below this industry median. Based on the distribution chart, Ledyard Financial Group ranks #1284 out of 1526 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, Ledyard Financial Group has a GF Score™ of 62/100 and is considered Modestly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Ledyard Financial Group's Pretax Margin % compare to BAOB and NIDB?
According to the Banks industry distribution chart, Ledyard Financial Group ranks #1284 out of 1526 companies for Pretax Margin %. This places Ledyard Financial Group in the lower half of its industry. The industry median Pretax Margin % is 34.89. Ledyard Financial Group's value of 15.90% is 54.4% below this benchmark. Historically, Ledyard Financial Group's own Pretax Margin % has ranged from 8.89 to 25.44 over the past decade. While the company's 10-year median is 21.58 vs. the industry median of 34.89, Ledyard Financial Group 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 34.89, 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. Ledyard Financial Group's current Pretax Margin % of 15.90% is 54.4% 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 Ledyard Financial Group and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ledyard Financial Group's current Pretax Margin % is 15.90%, which is 26% below median its own 10-year median of 21.58. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ledyard Financial Group stock overvalued right now?
Based on GuruFocus' analysis, Ledyard Financial Group (LFGP) is currently considered Modestly Undervalued. The stock's GF Value™ is $20.39, compared to a current price of $17.00 — trading 16.6% below its estimated fair value. The current Pretax Margin % is 15.90%, which is 26% below median its 10-year median of 21.58 and 54.4% below the Banks industry median of 34.89. Ledyard Financial Group's overall GF Score™ is 62/100 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 Ledyard Financial Group (LFGP), the current Pretax Margin % is 15.90% 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 Ledyard Financial Group (LFGP) Overvalued in 2026?
Based on GuruFocus' analysis, Ledyard Financial Group stock appears to be undervalued.
The current stock price of $17.00 is trading 16.6% below its estimated GF Value™ of $20.39.
GuruFocus considers Ledyard Financial Group to be Modestly Undervalued.
Key valuation signals for LFGP:
Pretax Margin %: 15.90% (26% below median its 10-year median of 21.58)
GF Value™: $20.39 vs. price of $17.00 (16.6% below fair value)
Industry Position: 54.4% below the Banks median (#1284 of 1526)
No single metric tells the full story. See the LFGP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Ledyard Financial Group Inc is a bank holding company. Through its banking subsidiary, it provides retail and commercial banking and wealth advisory services through office locations in New Hampshire and Vermont. The Group operates in two segments: Banking and Wealth Advisory Services. Maximum revenue is generated from the Banking segment, which principally consists of lending to commercial and consumer customers, as well as deposit gathering activities. Wealth Advisory Services segment includes, as its principal business lines, financial planning services, investment management services, personal tax services, trustee services, and estate planning.
62GF Score
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