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Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. MNB Holdings's Pre-Tax Income for the
six
months ended in Dec. 2025 was $-0.26 Mil. MNB Holdings's Revenue for the
six
months ended in Dec. 2025 was $6.06 Mil. Therefore, MNB Holdings's pretax margin for the quarter that ended in Dec. 2025 was -4.29%.
The historical rank and industry rank for MNB Holdings's Pretax Margin % or its related term are showing as below:
MNBO'
s Pretax Margin % Range Over the Past 10 Years
Min: -33.53 Med: 3.65 Max: 32.17
Current: -4.29
MNBO's Pretax Margin % is ranked worse than 96.72% of 1523
companies
in the Banks industry
Industry Median: 35.67
vs MNBO: -4.29
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.
MNB Holdings Pretax Margin % Related Terms
MNB Holdings Pretax Margin % Historical Data
* Premium members only.
The historical data trend for MNB Holdings'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.
MNBO vs GTPS, CAIB, EBSH: Pretax Margin % Comparison
For the Banks - Regional subindustry, MNB Holdings'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.
MNB Holdings Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, MNB Holdings's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where MNB Holdings'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.
MNB Holdings (MNBO) has a Pretax Margin % of -4.29% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on MNB Holdings and its competitors. According to the industry distribution chart, MNB Holdings ranks #1473 out of 1523 companies in the Banks industry, placing it in the top 96.7%.
Is MNB Holdings' Pretax Margin % too high?
MNB Holdings' current Pretax Margin % is -4.29%. Based on the distribution chart, MNB Holdings ranks #1473 out of 1523 companies in the Banks industry, which is in the bottom quartile relative to peers. Overall, MNB Holdings has a GF Score™ of 32/100, reflecting its overall financial health beyond just this single metric.
How does MNB Holdings' Pretax Margin % compare to GTPS and CAIB?
According to the Banks industry distribution chart, MNB Holdings ranks #1473 out of 1523 companies for Pretax Margin %. This places MNB Holdings in the lower half of its industry. The industry median Pretax Margin % is 35.67. 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 35.67, based on 1,523 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. 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 MNB Holdings and its competitors. For the Banks industry, the median Pretax Margin % is 35.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. MNB Holdings's current Pretax Margin % is -4.29%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is MNB Holdings stock overvalued right now?
MNB Holdings (MNBO) has a current Pretax Margin % of -4.29%. The stock's GF Value™ is $22.95, compared to a current price of $56.30 — trading 145.3% above its estimated fair value. The current Pretax Margin % is -4.29%. MNB Holdings' overall GF Score™ is 32/100 with 5 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 MNB Holdings (MNBO), the current Pretax Margin % is -4.29% 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 MNB Holdings (MNBO) Overvalued in 2026?
Based on GuruFocus' analysis, MNB Holdings stock appears to be overvalued.
The current stock price of $56.30 is trading 145.3% above its estimated GF Value™ of $22.95.
Key valuation signals for MNBO:
Pretax Margin %: -4.29%
GF Value™: $22.95 vs. price of $56.30 (145.3% above fair value)
No single metric tells the full story. See the MNBO stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
MNB Holdings Corp is a bank holding company. It is engaged in the general commercial banking business in the city and county of San Francisco and all other nine San Francisco Bay Area counties. The company provides traditional commercial and retail banking services, which include accepting demand, savings, and time deposits and making commercial, and real estate loans. It also offers other installment and term loans.
32GF Score
Get the complete analysis for MNBO
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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