Pioneer BankcorpPBKC 60 Pretax Margin % is 41.20% as of Mar. 2026, which is 18% above its 10-year median of 35.05. GuruFocus rates PBKC with a GF Score™ of 60/100 and a GF Value™ of $62.67 (Significantly Overvalued). The stock has 6 warning signs investors should review. Among 1,526 Banks companies, Pioneer Bankcorp ranks better than 69.72% 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.
Pioneer Bankcorp Pretax Margin % Related Terms
Pioneer Bankcorp Pretax Margin % Historical Data
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The historical data trend for Pioneer Bankcorp'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.
PBKC vs PBHC, BKSC, CBKM: Pretax Margin % Comparison
For the Banks - Regional subindustry, Pioneer Bankcorp'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.
Pioneer Bankcorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pioneer Bankcorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Pioneer Bankcorp'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.
Pioneer Bankcorp (PBKC) has a Pretax Margin % of 41.20% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pioneer Bankcorp and its competitors. This is 18% above median its historical median of 35.05. Over the past decade, Pioneer Bankcorp's Pretax Margin % has ranged from 28.32 to 43.04. According to the industry distribution chart, Pioneer Bankcorp ranks #462 out of 1526 companies in the Banks industry, placing it in the top 30.3%.
Is Pioneer Bankcorp's Pretax Margin % too high?
Pioneer Bankcorp's current Pretax Margin % of 41.20% is 18% above median its 10-year median of 35.05. Over the past 10 years, this metric has ranged from a low of 28.32 to a high of 43.04. The Banks industry median Pretax Margin % is 34.89. Pioneer Bankcorp's value of 41.20% is 18.1% above this industry median. Based on the distribution chart, Pioneer Bankcorp ranks #462 out of 1526 companies in the Banks industry, which is above the industry midpoint. Overall, Pioneer Bankcorp has a GF Score™ of 60/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pioneer Bankcorp's Pretax Margin % compare to PBHC and BKSC?
According to the Banks industry distribution chart, Pioneer Bankcorp ranks #462 out of 1526 companies for Pretax Margin %. This puts Pioneer Bankcorp in the upper half of its industry. The industry median Pretax Margin % is 34.89. Pioneer Bankcorp's value of 41.20% is 18.1% above this benchmark. Historically, Pioneer Bankcorp's own Pretax Margin % has ranged from 28.32 to 43.04 over the past decade. While the company's 10-year median is 35.05 vs. the industry median of 34.89, Pioneer Bankcorp 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 34.89, 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. Pioneer Bankcorp's current Pretax Margin % of 41.20% is 18.1% 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 Pioneer Bankcorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.89 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pioneer Bankcorp's current Pretax Margin % is 41.20%, which is 18% above median its own 10-year median of 35.05. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pioneer Bankcorp stock overvalued right now?
Based on GuruFocus' analysis, Pioneer Bankcorp (PBKC) is currently considered Significantly Overvalued. The stock's GF Value™ is $62.67, compared to a current price of $84.00 — trading 34% above its estimated fair value. The current Pretax Margin % is 41.20%, which is 18% above median its 10-year median of 35.05 and 18.1% above the Banks industry median of 34.89. Pioneer Bankcorp's overall GF Score™ is 60/100 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 Pioneer Bankcorp (PBKC), the current Pretax Margin % is 41.20% 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 Pioneer Bankcorp (PBKC) Overvalued in 2026?
Based on GuruFocus' analysis, Pioneer Bankcorp stock appears to be overvalued.
The current stock price of $84.00 is trading 34% above its estimated GF Value™ of $62.67.
GuruFocus considers Pioneer Bankcorp to be Significantly Overvalued.
Key valuation signals for PBKC:
Pretax Margin %: 41.20% (18% above median its 10-year median of 35.05)
GF Value™: $62.67 vs. price of $84.00 (34% above fair value)
Industry Position: 18.1% above the Banks median (#462 of 1526)
No single metric tells the full story. See the PBKC stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pioneer Bankcorp Inc is a bank holding company incorporated in Florida. The Bank is a state-chartered, FDIC-insured bank headquartered in Clewiston, Florida, and conducts business from three banking offices in Hendry County and other banking offices in surrounding counties. The company has identified five portfolio segments of loans, real estate - commercial; real estate - residential; real estate - construction, development, land; commercial; and consumer and other. The majority of its revenues are interest earned on loans, investment securities, and other financial instruments.
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