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Foroya Banki P/FOCSE:FOBANK -0.88%38 Pretax Margin % is 55.75% as of Mar. 2026, which is 20% above its 10-year median of 46.45. GuruFocus rates OCSE:FOBANK with a GF Score™ of 38/100 and a GF Value™ of kr165.03 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,525 Banks companies, Foroya Banki P/F ranks better than 90.89% on this metric.
Foroya Banki P/F (OCSE:FOBANK) 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.
Foroya Banki P/F Pretax Margin % Related Terms
Foroya Banki P/F Pretax Margin % Historical Data
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The historical data trend for Foroya Banki P/F'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.
Foroya Banki P/F Pretax Margin % Competitor Comparison
For the Banks - Regional subindustry, Foroya Banki P/F'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.
Foroya Banki P/F Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Foroya Banki P/F's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Foroya Banki P/F'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.
Foroya Banki P/F (OCSE:FOBANK) has a Pretax Margin % of 55.75% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Foroya Banki P/F and its competitors. This is 20% above median its historical median of 46.45. Over the past decade, Foroya Banki P/F's Pretax Margin % has ranged from 25.95 to 61.48. According to the industry distribution chart, Foroya Banki P/F ranks #139 out of 1525 companies in the Banks industry, placing it in the top 9.1%.
Is Foroya Banki P/F's Pretax Margin % too high?
Foroya Banki P/F's current Pretax Margin % of 55.75% is 20% above median its 10-year median of 46.45. Over the past 10 years, this metric has ranged from a low of 25.95 to a high of 61.48. The Banks industry median Pretax Margin % is 35.37. Foroya Banki P/F's value of 55.75% is 57.6% above this industry median. Based on the distribution chart, Foroya Banki P/F ranks #139 out of 1525 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Foroya Banki P/F has a GF Score™ of 38/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Foroya Banki P/F's Pretax Margin % compare to competitors?
According to the Banks industry distribution chart, Foroya Banki P/F ranks #139 out of 1525 companies for Pretax Margin %. This places Foroya Banki P/F in the top 9% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 35.37. Foroya Banki P/F's value of 55.75% is 57.6% above this benchmark. Historically, Foroya Banki P/F's own Pretax Margin % has ranged from 25.95 to 61.48 over the past decade. While the company's 10-year median is 46.45 vs. the industry median of 35.37, Foroya Banki P/F 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 35.37, based on 1,525 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. Foroya Banki P/F's current Pretax Margin % of 55.75% is 57.6% 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 Foroya Banki P/F and its competitors. For the Banks industry, the median Pretax Margin % is 35.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Foroya Banki P/F's current Pretax Margin % is 55.75%, which is 20% above median its own 10-year median of 46.45. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Foroya Banki P/F stock overvalued right now?
Based on GuruFocus' analysis, Foroya Banki P/F (OCSE:FOBANK) is currently considered Significantly Overvalued. The stock's GF Value™ is kr165.03, compared to a current price of kr282.50 — trading 71.2% above its estimated fair value. The current Pretax Margin % is 55.75%, which is 20% above median its 10-year median of 46.45 and 57.6% above the Banks industry median of 35.37. Foroya Banki P/F's overall GF Score™ is 38/100 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 Foroya Banki P/F (OCSE:FOBANK), the current Pretax Margin % is 55.75% 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 Foroya Banki P/F (OCSE:FOBANK) Overvalued in 2026?
Based on GuruFocus' analysis, Foroya Banki P/F stock appears to be overvalued.
The current stock price of kr282.50 is trading 71.2% above its estimated GF Value™ of kr165.03.
GuruFocus considers Foroya Banki P/F to be Significantly Overvalued.
Key valuation signals for OCSE:FOBANK:
Pretax Margin %: 55.75% (20% above median its 10-year median of 46.45)
GF Value™: kr165.03 vs. price of kr282.50 (71.2% above fair value)
Industry Position: 57.6% above the Banks median (#139 of 1525)
No single metric tells the full story. See the OCSE:FOBANK stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Foroya Banki P/F is a banking company. It provides a range of banking products and financial services to private and corporate customers. Its business units include Banking and Non-life insurance. The Banking unit comprises of Personal Banking and Corporate Banking. Personal Banking comprises private customers in the Faroe Islands and Greenland. Corporate Banking comprises corporate customers mainly in the Faroe Islands and in Greenland. The corporate also comprises a few remaining corporate customers from Denmark. Non-life insurance comprises the insurance company P/F TRYGD based The Faroe Islands. TRYGD is responsible for the-life insurance products. It operates in the Faroe Islands, Denmark and Greenland of which key revenue is derived from the Faroe Islands.
38GF Score
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