MBT BancsharesMBKL +0.37%62 Pretax Margin % is 32.24% as of Dec. 2025, which is 22% above its 10-year median of 26.47. GuruFocus rates MBKL with a GF Score™ of 62/100 and a GF Value™ of $24.39 (Modestly Overvalued). The stock has 4 warning signs investors should review. Among 1,527 Banks companies, MBT Bancshares ranks worse than 57.37% on this metric.
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.
MBT Bancshares Pretax Margin % Related Terms
MBT Bancshares Pretax Margin % Historical Data
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The historical data trend for MBT Bancshares'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.
MBKL vs FFWC, LSFG, BSPA: Pretax Margin % Comparison
For the Banks - Regional subindustry, MBT Bancshares'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.
MBT Bancshares Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MBT Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where MBT Bancshares'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.
MBT Bancshares (MBKL) has a Pretax Margin % of 32.24% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on MBT Bancshares and its competitors. This is 22% above median its historical median of 26.47. Over the past decade, MBT Bancshares' Pretax Margin % has ranged from 17.53 to 33.64. According to the industry distribution chart, MBT Bancshares ranks #876 out of 1527 companies in the Banks industry, placing it in the top 57.4%.
Is MBT Bancshares' Pretax Margin % too high?
MBT Bancshares' current Pretax Margin % of 32.24% is 22% above median its 10-year median of 26.47. Over the past 10 years, this metric has ranged from a low of 17.53 to a high of 33.64. The Banks industry median Pretax Margin % is 34.88. MBT Bancshares' value of 32.24% is 7.6% below this industry median. Based on the distribution chart, MBT Bancshares ranks #876 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, MBT Bancshares has a GF Score™ of 62/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does MBT Bancshares' Pretax Margin % compare to FFWC and LSFG?
According to the Banks industry distribution chart, MBT Bancshares ranks #876 out of 1527 companies for Pretax Margin %. This places MBT Bancshares in the lower half of its industry. The industry median Pretax Margin % is 34.88. MBT Bancshares' value of 32.24% is 7.6% below this benchmark. Historically, MBT Bancshares' own Pretax Margin % has ranged from 17.53 to 33.64 over the past decade. While the company's 10-year median is 26.47 vs. the industry median of 34.88, MBT Bancshares 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 34.88, 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. MBT Bancshares's current Pretax Margin % of 32.24% is 7.6% 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 MBT Bancshares and its competitors. For the Banks industry, the median Pretax Margin % is 34.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MBT Bancshares's current Pretax Margin % is 32.24%, which is 22% above median its own 10-year median of 26.47. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MBT Bancshares stock overvalued right now?
Based on GuruFocus' analysis, MBT Bancshares (MBKL) is currently considered Modestly Overvalued. The stock's GF Value™ is $24.39, compared to a current price of $27.10 — trading 11.1% above its estimated fair value. The current Pretax Margin % is 32.24%, which is 22% above median its 10-year median of 26.47 and 7.6% below the Banks industry median of 34.88. MBT Bancshares' 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 MBT Bancshares (MBKL), the current Pretax Margin % is 32.24% 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 MBT Bancshares (MBKL) Overvalued in 2026?
Based on GuruFocus' analysis, MBT Bancshares stock appears to be overvalued.
The current stock price of $27.10 is trading 11.1% above its estimated GF Value™ of $24.39.
GuruFocus considers MBT Bancshares to be Modestly Overvalued.
Key valuation signals for MBKL:
Pretax Margin %: 32.24% (22% above median its 10-year median of 26.47)
GF Value™: $24.39 vs. price of $27.10 (11.1% above fair value)
Industry Position: 7.6% below the Banks median (#876 of 1527)
No single metric tells the full story. See the MBKL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MBT Bancshares Inc is a United States-based company providing commercial banking services. It offers personal banking and business banking services. The services portfolio includes online banking service, checking accounts service, savings account facility, card services, and other services.
62GF Score
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