Morris State BancsharesMBLU 49 Pretax Margin % is 56.65% as of Dec. 2025, which is 41% above its 10-year median of 40.17. GuruFocus rates MBLU with a GF Score™ of 49/100 and a GF Value™ of $24.47. The stock has 2 warning signs investors should review. Among 1,528 Banks companies, Morris State Bancshares ranks better than 78.14% on this metric.
The historical rank and industry rank for Morris State Bancshares's Pretax Margin % or its related term are showing as below:
MBLU'
s Pretax Margin % Range Over the Past 10 Years
Min: 36.39 Med: 40.17 Max: 47.04
Current: 47.04
MBLU's Pretax Margin % is ranked better than 78.14% of 1528
companies
in the Banks industry
Industry Median: 34.715
vs MBLU: 47.04
Morris State Bancshares (OTCPK:MBLU) 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.
Morris State Bancshares Pretax Margin % Related Terms
Morris State Bancshares 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.
MBLU vs MSBC, FVCB, FCCO: Pretax Margin % Comparison
For the Banks - Regional subindustry, Morris State 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.
Morris State Bancshares Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Morris State Bancshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Morris State 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.
Morris State Bancshares (MBLU) has a Pretax Margin % of 56.65% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Morris State Bancshares and its competitors. This is 41% above median its historical median of 40.17. Over the past decade, Morris State Bancshares' Pretax Margin % has ranged from 36.39 to 47.04. According to the industry distribution chart, Morris State Bancshares ranks #334 out of 1528 companies in the Banks industry, placing it in the top 21.9%.
Is Morris State Bancshares' Pretax Margin % too high?
Morris State Bancshares' current Pretax Margin % of 56.65% is 41% above median its 10-year median of 40.17. Over the past 10 years, this metric has ranged from a low of 36.39 to a high of 47.04. The Banks industry median Pretax Margin % is 34.72. Morris State Bancshares' value of 56.65% is 63.2% above this industry median. Based on the distribution chart, Morris State Bancshares ranks #334 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Morris State Bancshares has a GF Score™ of 49/100, reflecting its overall financial health beyond just this single metric.
How does Morris State Bancshares' Pretax Margin % compare to MSBC and FVCB?
According to the Banks industry distribution chart, Morris State Bancshares ranks #334 out of 1528 companies for Pretax Margin %. This places Morris State Bancshares in the top 22% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. Morris State Bancshares' value of 56.65% is 63.2% above this benchmark. Historically, Morris State Bancshares' own Pretax Margin % has ranged from 36.39 to 47.04 over the past decade. While the company's 10-year median is 40.17 vs. the industry median of 34.72, Morris State Bancshares 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 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. Morris State Bancshares's current Pretax Margin % of 56.65% is 63.2% 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 Morris State Bancshares 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. Morris State Bancshares's current Pretax Margin % is 56.65%, which is 41% above median its own 10-year median of 40.17. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Morris State Bancshares stock overvalued right now?
Morris State Bancshares (MBLU) has a current Pretax Margin % of 56.65%. The stock's GF Value™ is $24.47, compared to a current price of $25.00 — trading 2.2% above its estimated fair value. The current Pretax Margin % is 56.65%, which is 41% above median its 10-year median of 40.17 and 63.2% above the Banks industry median of 34.72. Morris State Bancshares' overall GF Score™ is 49/100 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 Morris State Bancshares (MBLU), the current Pretax Margin % is 56.65% 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 Morris State Bancshares (MBLU) Overvalued in 2026?
Based on GuruFocus' analysis, Morris State Bancshares stock appears to be overvalued.
The current stock price of $25.00 is trading 2.2% above its estimated GF Value™ of $24.47.
Key valuation signals for MBLU:
Pretax Margin %: 56.65% (41% above median its 10-year median of 40.17)
GF Value™: $24.47 vs. price of $25.00 (2.2% above fair value)
Industry Position: 63.2% above the Banks median (#334 of 1528)
No single metric tells the full story. See the MBLU stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Morris State Bancshares Inc operates as a bank. It provides a variety of financial services to individuals and small businesses through its offices in middle Georgia. The Bank offers a full range of commercial and personal loan products. It makes loans to individuals for purposes such as home mortgage financing, personal vehicles and various consumer purchases, and other personal and family needs. Commercial loans are offered to businesses for purposes such as providing equipment and machinery purchases, commercial real estate purchases, and working capital. The Bank also provides a full range of deposit services that are typically available from financial institutions, including NOW accounts, demand, savings, and other time deposits.
49GF Score
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