National Cap BancorpNACB 59 Pretax Margin % is 31.24% as of Dec. 2025, which is 24% above its 10-year median of 25.26. GuruFocus rates NACB with a GF Score™ of 59/100 and a GF Value™ of $57.80 (Significantly Overvalued). The stock has 3 warning signs investors should review. Among 1,527 Banks companies, National Cap Bancorp ranks worse than 59.66% on this metric.
The historical rank and industry rank for National Cap Bancorp's Pretax Margin % or its related term are showing as below:
NACB'
s Pretax Margin % Range Over the Past 10 Years
Min: 14.95 Med: 25.26 Max: 31.36
Current: 31.24
NACB's Pretax Margin % is ranked worse than 59.66% of 1527
companies
in the Banks industry
Industry Median: 34.88
vs NACB: 31.24
National Cap Bancorp (OTCPK:NACB) 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.
National Cap Bancorp Pretax Margin % Related Terms
National Cap Bancorp Pretax Margin % Historical Data
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The historical data trend for National Cap 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.
NACB vs PBKX, DWNX, HCBN: Pretax Margin % Comparison
For the Banks - Regional subindustry, National Cap 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.
National Cap Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, National Cap Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where National Cap 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.
National Cap Bancorp (NACB) has a Pretax Margin % of 31.24% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on National Cap Bancorp and its competitors. This is 24% above median its historical median of 25.26. Over the past decade, National Cap Bancorp's Pretax Margin % has ranged from 14.95 to 31.36. According to the industry distribution chart, National Cap Bancorp ranks #911 out of 1527 companies in the Banks industry, placing it in the top 59.7%.
Is National Cap Bancorp's Pretax Margin % too high?
National Cap Bancorp's current Pretax Margin % of 31.24% is 24% above median its 10-year median of 25.26. Over the past 10 years, this metric has ranged from a low of 14.95 to a high of 31.36. The Banks industry median Pretax Margin % is 34.88. National Cap Bancorp's value of 31.24% is 10.4% below this industry median. Based on the distribution chart, National Cap Bancorp ranks #911 out of 1527 companies in the Banks industry, which is below the industry midpoint. Overall, National Cap Bancorp has a GF Score™ of 59/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does National Cap Bancorp's Pretax Margin % compare to PBKX and DWNX?
According to the Banks industry distribution chart, National Cap Bancorp ranks #911 out of 1527 companies for Pretax Margin %. This places National Cap Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.88. National Cap Bancorp's value of 31.24% is 10.4% below this benchmark. Historically, National Cap Bancorp's own Pretax Margin % has ranged from 14.95 to 31.36 over the past decade. While the company's 10-year median is 25.26 vs. the industry median of 34.88, National Cap 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 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. National Cap Bancorp's current Pretax Margin % of 31.24% is 10.4% 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 National Cap Bancorp 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. National Cap Bancorp's current Pretax Margin % is 31.24%, which is 24% above median its own 10-year median of 25.26. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is National Cap Bancorp stock overvalued right now?
Based on GuruFocus' analysis, National Cap Bancorp (NACB) is currently considered Significantly Overvalued. The stock's GF Value™ is $57.80, compared to a current price of $78.00 — trading 34.9% above its estimated fair value. The current Pretax Margin % is 31.24%, which is 24% above median its 10-year median of 25.26 and 10.4% below the Banks industry median of 34.88. National Cap Bancorp's overall GF Score™ is 59/100 with 3 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 National Cap Bancorp (NACB), the current Pretax Margin % is 31.24% 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 National Cap Bancorp (NACB) Overvalued in 2026?
Based on GuruFocus' analysis, National Cap Bancorp stock appears to be overvalued.
The current stock price of $78.00 is trading 34.9% above its estimated GF Value™ of $57.80.
GuruFocus considers National Cap Bancorp to be Significantly Overvalued.
Key valuation signals for NACB:
Pretax Margin %: 31.24% (24% above median its 10-year median of 25.26)
GF Value™: $57.80 vs. price of $78.00 (34.9% above fair value)
Industry Position: 10.4% below the Banks median (#911 of 1527)
No single metric tells the full story. See the NACB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
National Cap Bancorp Inc provides general banking services. The bank provides personal banking, mortgages, business banking services, and wealth management such as personal savings and loans, mobile banking, ATM cards, robust eBanking, remote deposit capture, merchant processing, construction finance, equipment leasing, treasury management services, and others.
59GF Score
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