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NMB FinlNMBF 64 Pretax Margin % is 45.73% as of Dec. 2025, which is 14% above its 10-year median of 40.05. GuruFocus rates NMBF with a GF Score™ of 64/100 and a GF Value™ of $14.65 (Modestly Overvalued). The stock has 2 warning signs investors should review. Among 1,527 Banks companies, NMB Finl ranks better than 75.7% on this metric.
Pre-Tax margin is calculated as Pre-Tax Income divided by its Revenue. NMB Finl's Pre-Tax Income for the
six
months ended in Dec. 2025 was $15.27 Mil. NMB Finl's Revenue for the
six
months ended in Dec. 2025 was $33.39 Mil. Therefore, NMB Finl's pretax margin for the quarter that ended in Dec. 2025 was 45.73%.
The historical rank and industry rank for NMB Finl's Pretax Margin % or its related term are showing as below:
NMBF'
s Pretax Margin % Range Over the Past 10 Years
Min: 26.03 Med: 40.05 Max: 50.7
Current: 45.73
NMBF's Pretax Margin % is ranked better than 75.7% of 1527
companies
in the Banks industry
Industry Median: 34.65
vs NMBF: 45.73
NMB Finl (OTCPK:NMBF) 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.
NMB Finl Pretax Margin % Related Terms
NMB Finl Pretax Margin % Historical Data
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The historical data trend for NMB Finl'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.
NMBF vs FABP, CYVF, FTFI: Pretax Margin % Comparison
For the Banks - Regional subindustry, NMB Finl'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.
NMB Finl Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, NMB Finl's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where NMB Finl'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.
NMB Finl (NMBF) has a Pretax Margin % of 45.73% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on NMB Finl and its competitors. This is 14% above median its historical median of 40.05. Over the past decade, NMB Finl's Pretax Margin % has ranged from 26.03 to 50.70. According to the industry distribution chart, NMB Finl ranks #371 out of 1527 companies in the Banks industry, placing it in the top 24.3%.
Is NMB Finl's Pretax Margin % too high?
NMB Finl's current Pretax Margin % of 45.73% is 14% above median its 10-year median of 40.05. Over the past 10 years, this metric has ranged from a low of 26.03 to a high of 50.70. The Banks industry median Pretax Margin % is 34.65. NMB Finl's value of 45.73% is 32% above this industry median. Based on the distribution chart, NMB Finl ranks #371 out of 1527 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, NMB Finl has a GF Score™ of 64/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does NMB Finl's Pretax Margin % compare to FABP and CYVF?
According to the Banks industry distribution chart, NMB Finl ranks #371 out of 1527 companies for Pretax Margin %. This places NMB Finl in the top 24% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.65. NMB Finl's value of 45.73% is 32% above this benchmark. Historically, NMB Finl's own Pretax Margin % has ranged from 26.03 to 50.70 over the past decade. While the company's 10-year median is 40.05 vs. the industry median of 34.65, NMB Finl 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 34.65, 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. NMB Finl's current Pretax Margin % of 45.73% is 32% 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 NMB Finl and its competitors. For the Banks industry, the median Pretax Margin % is 34.65 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. NMB Finl's current Pretax Margin % is 45.73%, which is 14% above median its own 10-year median of 40.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is NMB Finl stock overvalued right now?
Based on GuruFocus' analysis, NMB Finl (NMBF) is currently considered Modestly Overvalued. The stock's GF Value™ is $14.65, compared to a current price of $18.90 — trading 29% above its estimated fair value. The current Pretax Margin % is 45.73%, which is 14% above median its 10-year median of 40.05 and 32% above the Banks industry median of 34.65. NMB Finl's overall GF Score™ is 64/100 with 2 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 NMB Finl (NMBF), the current Pretax Margin % is 45.73% 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 NMB Finl (NMBF) Overvalued in 2026?
Based on GuruFocus' analysis, NMB Finl stock appears to be overvalued.
The current stock price of $18.90 is trading 29% above its estimated GF Value™ of $14.65.
GuruFocus considers NMB Finl to be Modestly Overvalued.
Key valuation signals for NMBF:
Pretax Margin %: 45.73% (14% above median its 10-year median of 40.05)
GF Value™: $14.65 vs. price of $18.90 (29% above fair value)
Industry Position: 32% above the Banks median (#371 of 1527)
No single metric tells the full story. See the NMBF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
NMB Finl Corp is a bank holding company of New Millennium Bank. The bank generates commercial, mortgage, and consumer loans and receives deposits from customers at its New Brunswick and Somerset New Jersey locations. In addition, it also offers various other online banking services.
64GF Score
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