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Lake Ridge BancorpLRBI 44 Pretax Margin % is 34.41% as of Jun. 2026, which is 21% above its 10-year median of 28.34. GuruFocus rates LRBI with a GF Score™ of 44/100 and a GF Value™ of $128.46 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Lake Ridge Bancorp ranks worse than 59.5% on this metric.
Lake Ridge Bancorp (OTCPK:LRBI) 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.
Lake Ridge Bancorp Pretax Margin % Related Terms
Lake Ridge Bancorp Pretax Margin % Historical Data
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The historical data trend for Lake Ridge 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.
LRBI vs WNEB, FUNC, TRUX: Pretax Margin % Comparison
For the Banks - Regional subindustry, Lake Ridge 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.
Lake Ridge Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Lake Ridge Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Lake Ridge 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.
Lake Ridge Bancorp (LRBI) has a Pretax Margin % of 34.41% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Lake Ridge Bancorp and its competitors. This is 21% above median its historical median of 28.34. Over the past decade, Lake Ridge Bancorp's Pretax Margin % has ranged from 17.93 to 34.90. According to the industry distribution chart, Lake Ridge Bancorp ranks #908 out of 1526 companies in the Banks industry, placing it in the top 59.5%.
Is Lake Ridge Bancorp's Pretax Margin % too high?
Lake Ridge Bancorp's current Pretax Margin % of 34.41% is 21% above median its 10-year median of 28.34. Over the past 10 years, this metric has ranged from a low of 17.93 to a high of 34.90. The Banks industry median Pretax Margin % is 35.56. Lake Ridge Bancorp's value of 34.41% is 3.2% below this industry median. Based on the distribution chart, Lake Ridge Bancorp ranks #908 out of 1526 companies in the Banks industry, which is below the industry midpoint. Overall, Lake Ridge Bancorp has a GF Score™ of 44/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Lake Ridge Bancorp's Pretax Margin % compare to WNEB and FUNC?
According to the Banks industry distribution chart, Lake Ridge Bancorp ranks #908 out of 1526 companies for Pretax Margin %. This places Lake Ridge Bancorp in the lower half of its industry. The industry median Pretax Margin % is 35.56. Lake Ridge Bancorp's value of 34.41% is 3.2% below this benchmark. Historically, Lake Ridge Bancorp's own Pretax Margin % has ranged from 17.93 to 34.90 over the past decade. While the company's 10-year median is 28.34 vs. the industry median of 35.56, Lake Ridge 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 35.56, 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. Lake Ridge Bancorp's current Pretax Margin % of 34.41% is 3.2% 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 Lake Ridge Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 35.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Lake Ridge Bancorp's current Pretax Margin % is 34.41%, which is 21% above median its own 10-year median of 28.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Lake Ridge Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Lake Ridge Bancorp (LRBI) is currently considered Modestly Overvalued. The stock's GF Value™ is $128.46, compared to a current price of $162.00 — trading 26.1% above its estimated fair value. The current Pretax Margin % is 34.41%, which is 21% above median its 10-year median of 28.34 and 3.2% below the Banks industry median of 35.56. Lake Ridge Bancorp's overall GF Score™ is 44/100 with 6 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 Lake Ridge Bancorp (LRBI), the current Pretax Margin % is 34.41% as of Jun. 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 Lake Ridge Bancorp (LRBI) Overvalued in 2026?
Based on GuruFocus' analysis, Lake Ridge Bancorp stock appears to be overvalued.
The current stock price of $162.00 is trading 26.1% above its estimated GF Value™ of $128.46.
GuruFocus considers Lake Ridge Bancorp to be Modestly Overvalued.
Key valuation signals for LRBI:
Pretax Margin %: 34.41% (21% above median its 10-year median of 28.34)
GF Value™: $128.46 vs. price of $162.00 (26.1% above fair value)
Industry Position: 3.2% below the Banks median (#908 of 1526)
No single metric tells the full story. See the LRBI stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Lake Ridge Bancorp Inc is a bank holding company. It provides a variety of financial services to individual and corporate customers through its subsidiary. The Bank operates as a full-service financial institution, with a primary market area including, but not limited to, Dane County, Rock County, Sauk County, and Green County, Wisconsin. It offers a full range of Business and Personal Financial Services, including Business, Real estate, and Consumer lending, as well as Wealth Management, Mortgage, Agriculture Division, and Financial Advisory services. Its products and services are Digital banking, Loans, Executive banking, Investments, and account cards.
44GF Score
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