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Northeast Indiana BancorpNIDB +1.49%62 Pretax Margin % is 39.92% as of Jun. 2026, which is 5% above its 10-year median of 37.98. GuruFocus rates NIDB with a GF Score™ of 62/100 and a GF Value™ of $22.54 (Fairly Valued). The stock has 4 warning signs investors should review. Among 1,526 Banks companies, Northeast Indiana Bancorp ranks better than 58.52% 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.
Northeast Indiana Bancorp Pretax Margin % Related Terms
Northeast Indiana Bancorp 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.
NIDB vs CIBH, MBKL, BBBK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Northeast Indiana 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.
Northeast Indiana Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Northeast Indiana Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Northeast Indiana 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.
Northeast Indiana Bancorp (NIDB) has a Pretax Margin % of 39.92% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Northeast Indiana Bancorp and its competitors. This is near median its historical median of 37.98. Over the past decade, Northeast Indiana Bancorp's Pretax Margin % has ranged from 25.15 to 47.33. According to the industry distribution chart, Northeast Indiana Bancorp ranks #633 out of 1526 companies in the Banks industry, placing it in the top 41.5%.
Is Northeast Indiana Bancorp's Pretax Margin % too high?
Northeast Indiana Bancorp's current Pretax Margin % of 39.92% is near median its 10-year median of 37.98. Over the past 10 years, this metric has ranged from a low of 25.15 to a high of 47.33. The Banks industry median Pretax Margin % is 35.36. Northeast Indiana Bancorp's value of 39.92% is 12.9% above this industry median. Based on the distribution chart, Northeast Indiana Bancorp ranks #633 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Northeast Indiana Bancorp has a GF Score™ of 62/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Northeast Indiana Bancorp's Pretax Margin % compare to CIBH and MBKL?
According to the Banks industry distribution chart, Northeast Indiana Bancorp ranks #633 out of 1526 companies for Pretax Margin %. This puts Northeast Indiana Bancorp in the upper half of its industry. The industry median Pretax Margin % is 35.36. Northeast Indiana Bancorp's value of 39.92% is 12.9% above this benchmark. Historically, Northeast Indiana Bancorp's own Pretax Margin % has ranged from 25.15 to 47.33 over the past decade. While the company's 10-year median is 37.98 vs. the industry median of 35.36, Northeast Indiana Bancorp 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. Northeast Indiana Bancorp's current Pretax Margin % of 39.92% is 12.9% 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 Northeast Indiana Bancorp 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. Northeast Indiana Bancorp's current Pretax Margin % is 39.92%, which is near median its own 10-year median of 37.98. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Northeast Indiana Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Northeast Indiana Bancorp (NIDB) is currently considered Fairly Valued. The stock's GF Value™ is $22.54, compared to a current price of $24.56 — trading 9% above its estimated fair value. The current Pretax Margin % is 39.92%, which is near median its 10-year median of 37.98 and 12.9% above the Banks industry median of 35.36. Northeast Indiana Bancorp's overall GF Score™ is 62/100 with 4 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 Northeast Indiana Bancorp (NIDB), the current Pretax Margin % is 39.92% as of Jun. 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 Northeast Indiana Bancorp (NIDB) Overvalued in 2026?
Based on GuruFocus' analysis, Northeast Indiana Bancorp stock appears to be overvalued.
The current stock price of $24.56 is trading 9% above its estimated GF Value™ of $22.54.
GuruFocus considers Northeast Indiana Bancorp to be Fairly Valued.
Key valuation signals for NIDB:
Pretax Margin %: 39.92% (near median its 10-year median of 37.98)
GF Value™: $22.54 vs. price of $24.56 (9% above fair value)
Industry Position: 12.9% above the Banks median (#633 of 1526)
No single metric tells the full story. See the NIDB stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Northeast Indiana Bancorp Inc is a financial services company and bank holding company that provides commercial and residential real estate loans in the United States. It operates through Residential Mortgage, Commercial Mortgage, Construction and Land Development, Commercial and Industrial, and Consumer segments. The bank offers key personal products such as checking and savings accounts, debit cards, and deposits, as well as business services including checking accounts, merchant services, and cash management.
62GF Score
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