Neffs BancorpNEFB 49 Pretax Margin % is 24.50% as of Dec. 2025, which is 38% below its 10-year median of 39.70. GuruFocus rates NEFB with a GF Score™ of 49/100 and a GF Value™ of $274.22 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,530 Banks companies, Neffs Bancorp ranks worse than 73.79% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. Neffs Bancorp's Pre-Tax Income for the
six
months ended in Dec. 2025 was $2.79 Mil. Neffs Bancorp's Revenue for the
six
months ended in Dec. 2025 was $11.38 Mil. Therefore, Neffs Bancorp's pretax margin for the quarter that ended in Dec. 2025 was 24.50%.
The historical rank and industry rank for Neffs Bancorp's Pretax Margin % or its related term are showing as below:
NEFB'
s Pretax Margin % Range Over the Past 10 Years
Min: 22.19 Med: 39.7 Max: 55.02
Current: 24.5
NEFB's Pretax Margin % is ranked worse than 73.79% of 1530
companies
in the Banks industry
Industry Median: 34.715
vs NEFB: 24.50
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.
Neffs Bancorp Pretax Margin % Related Terms
Neffs Bancorp Pretax Margin % Historical Data
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The historical data trend for Neffs 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.
NEFB vs CEFC, LFGP, BAOB: Pretax Margin % Comparison
For the Banks - Regional subindustry, Neffs 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.
Neffs Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Neffs Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Neffs 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.
Neffs Bancorp (NEFB) has a Pretax Margin % of 24.50% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Neffs Bancorp and its competitors. This is 38% below median its historical median of 39.70. Over the past decade, Neffs Bancorp's Pretax Margin % has ranged from 22.19 to 55.02. According to the industry distribution chart, Neffs Bancorp ranks #1129 out of 1530 companies in the Banks industry, placing it in the top 73.8%.
Is Neffs Bancorp's Pretax Margin % too high?
Neffs Bancorp's current Pretax Margin % of 24.50% is 38% below median its 10-year median of 39.70. Over the past 10 years, this metric has ranged from a low of 22.19 to a high of 55.02. The Banks industry median Pretax Margin % is 34.72. Neffs Bancorp's value of 24.50% is 29.4% below this industry median. Based on the distribution chart, Neffs Bancorp ranks #1129 out of 1530 companies in the Banks industry, which is below the industry midpoint. Overall, Neffs Bancorp has a GF Score™ of 49/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Neffs Bancorp's Pretax Margin % compare to CEFC and LFGP?
According to the Banks industry distribution chart, Neffs Bancorp ranks #1129 out of 1530 companies for Pretax Margin %. This places Neffs Bancorp in the lower half of its industry. The industry median Pretax Margin % is 34.72. Neffs Bancorp's value of 24.50% is 29.4% below this benchmark. Historically, Neffs Bancorp's own Pretax Margin % has ranged from 22.19 to 55.02 over the past decade. While the company's 10-year median is 39.70 vs. the industry median of 34.72, Neffs 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 34.72, based on 1,530 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. Neffs Bancorp's current Pretax Margin % of 24.50% is 29.4% 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 Neffs Bancorp 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. Neffs Bancorp's current Pretax Margin % is 24.50%, which is 38% below median its own 10-year median of 39.70. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Neffs Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Neffs Bancorp (NEFB) is currently considered Significantly Overvalued. The stock's GF Value™ is $274.22, compared to a current price of $395.00 — trading 44% above its estimated fair value. The current Pretax Margin % is 24.50%, which is 38% below median its 10-year median of 39.70 and 29.4% below the Banks industry median of 34.72. Neffs Bancorp's overall GF Score™ is 49/100 with 6 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 Neffs Bancorp (NEFB), the current Pretax Margin % is 24.50% 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 Neffs Bancorp (NEFB) Overvalued in 2026?
Based on GuruFocus' analysis, Neffs Bancorp stock appears to be overvalued.
The current stock price of $395.00 is trading 44% above its estimated GF Value™ of $274.22.
GuruFocus considers Neffs Bancorp to be Significantly Overvalued.
Key valuation signals for NEFB:
Pretax Margin %: 24.50% (38% below median its 10-year median of 39.70)
GF Value™: $274.22 vs. price of $395.00 (44% above fair value)
Industry Position: 29.4% below the Banks median (#1129 of 1530)
No single metric tells the full story. See the NEFB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Neffs Bancorp Inc provides a full range of financial services to individuals, small businesses and corporate customers. The Bank's primary deposits are checking accounts, savings accounts and certificates of deposit. The bank offers personal banking and commercial banking services. The primary source of revenue is interest and fees earned from providing residential mortgages, consumer loans and commercial loans to customers located within the Lehigh Valley of Pennsylvania.
49GF Score
Get the complete analysis for NEFB
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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