Pontiac BancorpPONT -0.46%59 Pretax Margin % is 47.74% as of Dec. 2025, which is 20% above its 10-year median of 39.86. GuruFocus rates PONT with a GF Score™ of 59/100 and a GF Value™ of $637.93 (Fairly Valued). The stock has 1 warning sign investors should review. Among 1,528 Banks companies, Pontiac Bancorp ranks better than 79.45% 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.
Pontiac Bancorp Pretax Margin % Related Terms
Pontiac Bancorp Pretax Margin % Historical Data
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The historical data trend for Pontiac Bancorp'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.
PONT vs TYFG, ARBV, SLBK: Pretax Margin % Comparison
For the Banks - Regional subindustry, Pontiac 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.
Pontiac Bancorp Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pontiac Bancorp's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Pontiac 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.
Pontiac Bancorp (PONT) has a Pretax Margin % of 47.74% as of Dec. 2025. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pontiac Bancorp and its competitors. This is 20% above median its historical median of 39.86. Over the past decade, Pontiac Bancorp's Pretax Margin % has ranged from 37.22 to 47.74. According to the industry distribution chart, Pontiac Bancorp ranks #314 out of 1528 companies in the Banks industry, placing it in the top 20.5%.
Is Pontiac Bancorp's Pretax Margin % too high?
Pontiac Bancorp's current Pretax Margin % of 47.74% is 20% above median its 10-year median of 39.86. Over the past 10 years, this metric has ranged from a low of 37.22 to a high of 47.74. The Banks industry median Pretax Margin % is 34.72. Pontiac Bancorp's value of 47.74% is 37.5% above this industry median. Based on the distribution chart, Pontiac Bancorp ranks #314 out of 1528 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Pontiac Bancorp has a GF Score™ of 59/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Pontiac Bancorp's Pretax Margin % compare to TYFG and ARBV?
According to the Banks industry distribution chart, Pontiac Bancorp ranks #314 out of 1528 companies for Pretax Margin %. This places Pontiac Bancorp in the top 21% of its industry — outperforming the majority of peers. The industry median Pretax Margin % is 34.72. Pontiac Bancorp's value of 47.74% is 37.5% above this benchmark. Historically, Pontiac Bancorp's own Pretax Margin % has ranged from 37.22 to 47.74 over the past decade. While the company's 10-year median is 39.86 vs. the industry median of 34.72, Pontiac 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 34.72, 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. Pontiac Bancorp's current Pretax Margin % of 47.74% is 37.5% 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 Pontiac Bancorp and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Pontiac Bancorp's current Pretax Margin % is 47.74%, which is 20% above median its own 10-year median of 39.86. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pontiac Bancorp stock overvalued right now?
Based on GuruFocus' analysis, Pontiac Bancorp (PONT) is currently considered Fairly Valued. The stock's GF Value™ is $637.93, compared to a current price of $654.75 — trading 2.6% above its estimated fair value. The current Pretax Margin % is 47.74%, which is 20% above median its 10-year median of 39.86 and 37.5% above the Banks industry median of 34.72. Pontiac Bancorp's overall GF Score™ is 59/100 with 1 warning sign 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 Pontiac Bancorp (PONT), the current Pretax Margin % is 47.74% 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 Pontiac Bancorp (PONT) Overvalued in 2026?
Based on GuruFocus' analysis, Pontiac Bancorp stock appears to be overvalued.
The current stock price of $654.75 is trading 2.6% above its estimated GF Value™ of $637.93.
GuruFocus considers Pontiac Bancorp to be Fairly Valued.
Key valuation signals for PONT:
Pretax Margin %: 47.74% (20% above median its 10-year median of 39.86)
GF Value™: $637.93 vs. price of $654.75 (2.6% above fair value)
Industry Position: 37.5% above the Banks median (#314 of 1528)
No single metric tells the full story. See the PONT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pontiac Bancorp Inc is engaged in banking services. The company offers personal banking, business banking, lending, wealth management, and agriculture lending services. The bank grants agribusiness, commercial, residential, and personal loans to customers located in the bank's market area.
59GF Score
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