Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
Pinnacle BanksharesPPBN +0.66%70 Pretax Margin % is 47.27% as of Jun. 2026, which is 90% above its 10-year median of 24.82. GuruFocus rates PPBN with a GF Score™ of 70/100 and a GF Value™ of $40.09 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 1,525 Banks companies, Pinnacle Bankshares ranks better than 50.69% 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.
Pinnacle Bankshares Pretax Margin % Related Terms
Pinnacle Bankshares Pretax Margin % Historical Data
* Premium members only.
The historical data trend for Pinnacle Bankshares'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.
PPBN vs BNCC, CCNB, CTUY: Pretax Margin % Comparison
For the Banks - Regional subindustry, Pinnacle Bankshares'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.
Pinnacle Bankshares Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, Pinnacle Bankshares's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where Pinnacle Bankshares'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.
Pinnacle Bankshares (PPBN) has a Pretax Margin % of 47.27% as of Jun. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on Pinnacle Bankshares and its competitors. This is 90% above median its historical median of 24.82. Over the past decade, Pinnacle Bankshares' Pretax Margin % has ranged from 16.39 to 35.67. According to the industry distribution chart, Pinnacle Bankshares ranks #752 out of 1525 companies in the Banks industry, placing it in the top 49.3%.
Is Pinnacle Bankshares' Pretax Margin % too high?
Pinnacle Bankshares' current Pretax Margin % of 47.27% is 90% above median its 10-year median of 24.82. Over the past 10 years, this metric has ranged from a low of 16.39 to a high of 35.67. The Banks industry median Pretax Margin % is 35.37. Pinnacle Bankshares' value of 47.27% is 33.6% above this industry median. Based on the distribution chart, Pinnacle Bankshares ranks #752 out of 1525 companies in the Banks industry, which is above the industry midpoint. Overall, Pinnacle Bankshares has a GF Score™ of 70/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Pinnacle Bankshares' Pretax Margin % compare to BNCC and CCNB?
According to the Banks industry distribution chart, Pinnacle Bankshares ranks #752 out of 1525 companies for Pretax Margin %. This puts Pinnacle Bankshares in the upper half of its industry. The industry median Pretax Margin % is 35.37. Pinnacle Bankshares' value of 47.27% is 33.6% above this benchmark. Historically, Pinnacle Bankshares' own Pretax Margin % has ranged from 16.39 to 35.67 over the past decade. While the company's 10-year median is 24.82 vs. the industry median of 35.37, Pinnacle Bankshares 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. Pinnacle Bankshares's current Pretax Margin % of 47.27% is 33.6% 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 Pinnacle Bankshares 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. Pinnacle Bankshares's current Pretax Margin % is 47.27%, which is 90% above median its own 10-year median of 24.82. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Pinnacle Bankshares stock overvalued right now?
Based on GuruFocus' analysis, Pinnacle Bankshares (PPBN) is currently considered Significantly Overvalued. The stock's GF Value™ is $40.09, compared to a current price of $60.96 — trading 52.1% above its estimated fair value. The current Pretax Margin % is 47.27%, which is 90% above median its 10-year median of 24.82 and 33.6% above the Banks industry median of 35.37. Pinnacle Bankshares' overall GF Score™ is 70/100 with 4 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 Pinnacle Bankshares (PPBN), the current Pretax Margin % is 47.27% as of Jun. 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 Pinnacle Bankshares (PPBN) Overvalued in 2026?
Based on GuruFocus' analysis, Pinnacle Bankshares stock appears to be overvalued.
The current stock price of $60.96 is trading 52.1% above its estimated GF Value™ of $40.09.
GuruFocus considers Pinnacle Bankshares to be Significantly Overvalued.
Key valuation signals for PPBN:
Pretax Margin %: 47.27% (90% above median its 10-year median of 24.82)
GF Value™: $40.09 vs. price of $60.96 (52.1% above fair value)
Industry Position: 33.6% above the Banks median (#752 of 1525)
No single metric tells the full story. See the PPBN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Pinnacle Bankshares Corp is a bank holding company. It offers commercial and retail banking products and services including checking, savings and time deposits, individual retirement accounts, merchant bankcard processing, residential and commercial mortgages, loans, Treasury services, Business and Personal Credit Card, Telephone banking, commercial lines of credit, letters of credit and Others. The company also offers investment, insurance, and annuity products.
70GF Score
Get the complete analysis for PPBN
Pretax Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PPBN has been successfully added to your 
