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NASB FinancialNASB -0.19%58 Pretax Margin % is 51.27% as of Mar. 2026, which is 20% above its 10-year median of 42.64. GuruFocus rates NASB with a GF Score™ of 58/100 and a GF Value™ of $36.90 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,526 Banks companies, NASB Financial ranks better than 77.06% 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.
NASB Financial Pretax Margin % Related Terms
NASB Financial Pretax Margin % Historical Data
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The historical data trend for NASB Financial'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.
NASB vs FDBC, FNRN, CCFN: Pretax Margin % Comparison
For the Banks - Regional subindustry, NASB Financial'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.
NASB Financial Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NASB Financial's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where NASB Financial'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.
NASB Financial (NASB) has a Pretax Margin % of 51.27% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on NASB Financial and its competitors. This is 20% above median its historical median of 42.64. Over the past decade, NASB Financial's Pretax Margin % has ranged from 37.60 to 62.68. According to the industry distribution chart, NASB Financial ranks #350 out of 1526 companies in the Banks industry, placing it in the top 22.9%.
Is NASB Financial's Pretax Margin % too high?
NASB Financial's current Pretax Margin % of 51.27% is 20% above median its 10-year median of 42.64. Over the past 10 years, this metric has ranged from a low of 37.60 to a high of 62.68. The Banks industry median Pretax Margin % is 35.36. NASB Financial's value of 51.27% is 45% above this industry median. Based on the distribution chart, NASB Financial ranks #350 out of 1526 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, NASB Financial has a GF Score™ of 58/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NASB Financial's Pretax Margin % compare to FDBC and FNRN?
According to the Banks industry distribution chart, NASB Financial ranks #350 out of 1526 companies for Pretax Margin %. This places NASB Financial in the top 23% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 35.36. NASB Financial's value of 51.27% is 45% above this benchmark. Historically, NASB Financial's own Pretax Margin % has ranged from 37.60 to 62.68 over the past decade. While the company's 10-year median is 42.64 vs. the industry median of 35.36, NASB Financial 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 35.36, 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. NASB Financial's current Pretax Margin % of 51.27% is 45% 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 NASB Financial and its competitors. For the Banks industry, the median Pretax Margin % is 35.36 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NASB Financial's current Pretax Margin % is 51.27%, which is 20% above median its own 10-year median of 42.64. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NASB Financial stock overvalued right now?
Based on GuruFocus' analysis, NASB Financial (NASB) is currently considered Modestly Overvalued. The stock's GF Value™ is $36.90, compared to a current price of $41.92 — trading 13.6% above its estimated fair value. The current Pretax Margin % is 51.27%, which is 20% above median its 10-year median of 42.64 and 45% above the Banks industry median of 35.36. NASB Financial's overall GF Score™ is 58/100 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 NASB Financial (NASB), the current Pretax Margin % is 51.27% as of Mar. 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 NASB Financial (NASB) Overvalued in 2026?
Based on GuruFocus' analysis, NASB Financial stock appears to be overvalued.
The current stock price of $41.92 is trading 13.6% above its estimated GF Value™ of $36.90.
GuruFocus considers NASB Financial to be Modestly Overvalued.
Key valuation signals for NASB:
Pretax Margin %: 51.27% (20% above median its 10-year median of 42.64)
GF Value™: $36.90 vs. price of $41.92 (13.6% above fair value)
Industry Position: 45% above the Banks median (#350 of 1526)
No single metric tells the full story. See the NASB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NASB Financial Inc is a federally chartered stock savings bank, whose business is to attract deposits from the general public and to originate real estate loans, other loans, and short-term investments. It has a portfolio of mortgage loans that are secured by multifamily, construction, development, and commercial real estate properties. Its sources of income include interest on loans, interest on MBS, interest on investment securities, customer service fees, and mortgage banking fees.
58GF Score
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