Paragon Financial SolutionsPGNN +1.75%75 Pretax Margin % is 27.84% as of Mar. 2026, which is 28% above its 10-year median of 21.71. GuruFocus rates PGNN with a GF Score™ of 75/100 and a GF Value™ of $12.02 (Modestly Overvalued). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, Paragon Financial Solutions ranks worse than 68.46% 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.
Paragon Financial Solutions Pretax Margin % Related Terms
Paragon Financial Solutions 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.
PGNN vs INFT, FBVI, HLFN: Pretax Margin % Comparison
For the Banks - Regional subindustry, Paragon Financial Solutions'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.
Paragon Financial Solutions Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Paragon Financial Solutions's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Paragon Financial Solutions'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.
Paragon Financial Solutions (PGNN) has a Pretax Margin % of 27.84% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Paragon Financial Solutions and its competitors. This is 28% above median its historical median of 21.71. According to the industry distribution chart, Paragon Financial Solutions ranks #1046 out of 1528 companies in the Banks industry, placing it in the top 68.5%.
Is Paragon Financial Solutions' Pretax Margin % too high?
Paragon Financial Solutions' current Pretax Margin % of 27.84% is 28% above median its 10-year median of 21.71. The Banks industry median Pretax Margin % is 34.67. Paragon Financial Solutions' value of 27.84% is 19.7% below this industry median. Based on the distribution chart, Paragon Financial Solutions ranks #1046 out of 1528 companies in the Banks industry, which is below the industry midpoint. Overall, Paragon Financial Solutions has a GF Score™ of 75/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Paragon Financial Solutions' Pretax Margin % compare to INFT and FBVI?
According to the Banks industry distribution chart, Paragon Financial Solutions ranks #1046 out of 1528 companies for Pretax Margin %. This places Paragon Financial Solutions in the lower half of its industry. The industry median Pretax Margin % is 34.67. Paragon Financial Solutions' value of 27.84% is 19.7% below this benchmark. While the company's 10-year median is 21.71 vs. the industry median of 34.67, Paragon Financial Solutions 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 34.67, based on 1,528 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. Paragon Financial Solutions's current Pretax Margin % of 27.84% is 19.7% 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 Paragon Financial Solutions and its competitors. For the Banks industry, the median Pretax Margin % is 34.67 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paragon Financial Solutions's current Pretax Margin % is 27.84%, which is 28% above median its own 10-year median of 21.71. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paragon Financial Solutions stock overvalued right now?
Based on GuruFocus' analysis, Paragon Financial Solutions (PGNN) is currently considered Modestly Overvalued. The stock's GF Value™ is $12.02, compared to a current price of $13.50 — trading 12.3% above its estimated fair value. The current Pretax Margin % is 27.84%, which is 28% above median its 10-year median of 21.71 and 19.7% below the Banks industry median of 34.67. Paragon Financial Solutions' overall GF Score™ is 75/100 with 5 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 Paragon Financial Solutions (PGNN), the current Pretax Margin % is 27.84% 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 Paragon Financial Solutions (PGNN) Overvalued in 2026?
Based on GuruFocus' analysis, Paragon Financial Solutions stock appears to be overvalued.
The current stock price of $13.50 is trading 12.3% above its estimated GF Value™ of $12.02.
GuruFocus considers Paragon Financial Solutions to be Modestly Overvalued.
Key valuation signals for PGNN:
Pretax Margin %: 27.84% (28% above median its 10-year median of 21.71)
GF Value™: $12.02 vs. price of $13.50 (12.3% above fair value)
Industry Position: 19.7% below the Banks median (#1046 of 1528)
No single metric tells the full story. See the PGNN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paragon Financial Solutions Inc is a bank that provides financial services to its customers in Tennessee; Mississippi; Georgia; and North Carolina. Its primary deposit products are checking, savings, and term certificate accounts, and its primary lending products are residential mortgage, commercial, and installment loans. Substantially all loans are secured by specific items of collateral including business assets, consumer assets, and commercial and residential real estate.
75GF Score
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